Rent Assistance for Single Mothers

There are times in our lives when paying bills becomes a hardship as a single mother. Unforeseen circumstances can arise without notice putting us behind. In some cases, trouble with paying rent becomes an issue. There are rental assistance programs for single mothers available in every state to help with paying rent or mortgages. The program availability and eligibility requirements will vary state by state.

Preventing Eviction

In some states, programs through the local welfare office are available in the form of a one time grant. This grant can help to pay rent from between one and three months depending on the need of the family and program details. If you are already receiving assistance in the form of food stamps, Medicaid or cash assistance, ask your caseworker about financial assistance availability for rent. Most of the time an eviction notice is required to receive assistance to remain in your current home. Income requirements must be satisfied along with other program requirements being met. Simply misspending your funds will not qualify you for these programs. They are intended to help in an emergency situation when funds received from employment are not sufficient.

Other assistance programs in local communities also exist. Your local Salvation Army does have a rental assistance program. There are not always funds available for this type of assistance. The Salvation Army is funded by grants and donations. If grant funds and donations do not come in, they are unable to help. They will have other resources within your local community to provide to you if they are unable to help. The Salvation Army will help once per year with eviction prevention if you qualify for their services.

Many churches within a community often offer eviction prevention rental assistance as well. These are usually larger church organizations that provide other community services. A list of churches that help with rent are available at your local community services office such as the welfare office or through Salvation Army. Churches may not require an eviction notice; they may just require your proof of income and the proof of your necessary household bills. Some churches have programs specifically for rental assistance for single mothers.

If your local area has a community action agency or community services agency other than the welfare department, inquire with them regarding rental assistance for single mothers. Some communities have programs specifically for single mothers. If you receive WIC, ask them for resources. They may have information that other agencies don’t as they work more with single mothers than some other agencies.

Move-In Assistance

Rental assistance for single mothers to obtain shelter is often another available program in many states. There are times when a severe circumstance forces a mother to move out of her current living situation and find shelter for her and her children. The funds aren’t always available in emergent situations. Some agencies will help with security deposits and first month’s rent. Services like this are often available through community programs and not the welfare office.

Obtaining proper shelter is important. As a single mother it is hard enough to pay the bills that you currently have without having to come up with extra to obtain reasonable housing for your children. Some states do have a grant program for rental assistance for single mothers that never has to be paid back. This can be used to put a down a down payment on a home purchase or to pay a security deposit, first month’s rent and moving expenses. A caseworker or social worker would need to help you apply for one of these grant programs.

Other Housing Assistance Programs

Section 8 and HUD provide low-cost shelter to families in need. The rental agreement amount will be based upon your income. This amount can be from a few dollars a month to a few hundred a month. These programs are for extremely low-income and under employed families to provide adequate shelter for their children. Program requirements for these services are very strict. You may not have unapproved people living with you, it may also be a stipulation that no one with any criminal history be permitted to live in the home with you and your children. If your income changes, you are required to report it immediately. Government subsidized housing provides enough space with the basic amenities required for a family to live safely together and be able to provide food and shelter with a little less trouble.

It is very common to be put on a waiting list for Section 8 or HUD housing. Sometimes the waiting lists are years long. Emergent cases are pushed up closer to the front of the list, but the wait can still be more than 30 days. If this is the case, seek out a state grant for housing assistance or visit another program in the area to inquire about their funding availability. If there no funds available with any programs and the waiting list is too long for HUD or Section 8, seek the help of a shelter. There are shelters specifically for women and children. These are safe facilities that will allow you to stay with them until you can move into a new home. Meals are often provided along with basic bathroom amenities such as showers and laundry. In many of these facilities, it is required that you help with cleaning and/or cooking to help the facility run more smooth.

Always ask for program availability and additional avenues for receiving the help that you do need for your family. There may be programs available that you are not aware of. That is often the case. Many women struggle financially and think that no one can help them, the fact of the matter is, there are more assistance programs available for single mothers than one may realize. You just have to reach out and find the help. The ideas given above all point you in the right direction to start searching for the help that you need.

Assistance for Single Mothers in Georgia

Assistance for single mothers in Georgia is available through several avenues. There are several programs to help with food, utilities and rent. Educational programs and grants may also be available to single mothers with qualifying income and circumstances. Other programs that may be available include an energy assistance program, weatherization assistance, and a program that helps with early childhood development. Each program will have a different qualification process and not all applicants will be granted assistance.

Food Assistance for Single Mothers in Georgia

The most beneficial program for assistance for single mothers in Georgia is the Georgia Food Stamp program. This program is available to single mothers and low income families with qualifying income and household expenses. Eligibility requirements must meet or be below poverty level standards. The allotted benefits for this program will vary for each household. A specific amount per person is adjusted depending on the qualifying factors within the home.

WIC is another program that is available for qualifying families or single mothers in Georgia. This program helps to provide nutritious juices and foods for children that are age five or younger. Formula, baby food and baby cereal are items that are included in the approved foods list. Other foods that are part of this program are milk, cheese, fresh fruit, fresh vegetables, eggs, peanut butter and juice.

To qualify for WIC assistance and/or Food Stamps an applicant must have proof of income or proof of no income, birth certificates for all household members, proof of residency, utility bills, rental lease or mortgage statements, bank statements and other documentation required for the qualification process. Applicants that do not meet the requirements for these programs may be referred to other programs such as food banks or local churches.

There is a program in Georgia that assists low income families and single mothers in providing healthy breakfasts and lunches for school aged children. Free or low cost meals will be furnished by a child’s school if the income of the home qualifies. An example of the income requirements is that a family of four cannot exceed $40,793 in gross income. Families can apply within their child’s school for the Georgia School Breakfast and Lunch Program.

The Georgia Special Milk Program helps to provide milk to children of low income families in schools. Children that qualify for this program will receive free milk during school meals. Income restrictions do apply. Low income families can apply for this program through their children’s school. The same income restrictions apply for this program as the Georgia School Breakfast and Lunch Program.

An additional program offering assistance for single mothers in Georgia is the Georgia Summer Foods Program. Again, this is an income qualifying program. It helps single mothers and low income families to have healthy foods for their children during the non-school months. Children of qualifying families for this program must be 18 or younger.

Education Programs for Children

Education assistance for single mothers in Georgia to provide quality early childhood development is available. Georgia has a fantastic Head Start program. Qualifying families will receive free learning programs via Head Start for their children. This program is for children that are not school aged, meaning that Head Start is for preschool aged children between the ages of four and five years old.

Head Start is available in 157 of the 159 existing counties in Georgia. As a national program, three quarters of a million children are helped each year with the Head Start program. Income requirements are very strict. For a family of four, the annual gross income cannot exceed $29,965. Self-sufficiency goal assessments for parents are part of this program. It helps you to track progress toward becoming more financially secure and able to provide for your family without assistance.

Healthcare Programs in Georgia

There are two healthcare programs, which offers assistance for single mothers in Georgia. Medicaid is the most well known program. The other program is Georgia PeachCare for Kids. Medicaid can be whole family coverage should the entire family qualify. Strict income requirements and other circumstances are in place for the qualification process for Medicaid acceptance. There is no guarantee that a family or individual will receive Medicaid. All program specifications must be met to qualify.

PeachCare for Kids began in 1999. It is designed to provide children of single mothers or low-income families with healthcare and medical coverage. The services included in the PeachCare program are immunizations, office visits, dental, vision, specialist care, mental/behavioral health, emergency room or hospitalization and prescription medications. Children that are age five or younger qualify for a $0 co-pay. For a single child family with a child that is age six or above, the premium begins at $10. An increased premium of $15 or $20 will be assessed to families with two or more children that are age six or above depending on the household income.

Energy and Other Assistance for Single Mothers in Georgia

Georgia does have a couple of programs to assist single mothers or low income families to provide energy for their homes. This program helps to provide fuel that produces energy in homes for low income families. The income requirements for this program are slightly higher at $44,100 annual gross income for a family of four. Assistance amounts do vary for each family. Funds are sent directly to the fuel provider for this program.

Single mothers and low income families may also qualify for the Georgia Weatherization Program. This program helps to make a home more energy efficient. It is available in an effort to reduce the heating, cooling and energy costs within a home. There are income requirements with this program as well as any other. It is designed to aid extremely low-income families only. A family of four cannot gross more than $33,075 annually. To apply or inquire about this program, contact the local Community Action Agency servicing your area.

Georgia TANF is a cash assistance program available to qualifying single mothers and low or no income families. The financial requirements for this program state that you must be unemployed, about to become unemployed or must be under-employed working for very low wages. This is a temporary program to assist needy families to get back on their feet. A small amount of funds will be allotted to qualifying families each month for a restricted period of time. These funds are to go toward utilities, rent and necessities.

Assistance for Single Mothers in Kansas

Raising children alone is a struggle for any mother and that struggle can be even worse with a low income. However, there are many state run and federally funded organizations that can help single mothers in Kansas make ends meet. Many of these programs can help you on the path to self-sufficiency and a better life for you and your children.

HUD (Housing and Urban Development)

If you find that you are struggling to pay rent or find a place to live. There are a few resources available here There you can find subsidized apartments and other low cost housing options. If you want to apply for subsidized rent all you have to do is visiting an apartment complex that offers subsidized rent and apply. You can also contact a Public Housing Agency to try and get free or subsidized housing. The website also gives you contact information for housing counselors that can help you put together an action plan and find a program that works for your situation.

TANF (Temporary Assistance for Needy Families)

TANF is a program that is geared toward giving needy families temporary cash assistance in order to get back on their feet and move toward self-sufficiency. The program allows for an eligible adult to have 60 months of cash assistance once in their life time.


In order to quality for TANF you must meet certain income requirements that are based on the amount of money you make and the number of people in your household. Your family assets will be assessed to determine if you are eligible, however cars, your family home, furniture, personal items, tools and any assets worth less than $2,000 are not taken into account. You can apply online for TANF here


The TANF program offers cash assistance that is paid out every month for 60 months. At the end of the 60 months the money is stopped and it can never again be requested. The amount of cash assistance will be based on your income level and the amount of people in your household.

Child Care Subsidy Program

Another difficult problem for single mothers is how to find and afford child care. The Child Care Subsidy Program is a way for single mothers to afford child care while they go to work or school


The program is available to low-income working families, mothers who are pursuing an education or training program, teenage mothers who are working toward their GED and families who are members of the Temporary Assistance for Families program. To see if you qualify simply apply online at


The program chooses an amount to give toward child care every month based on the family income and the household size. This money is then transferred to an Electronic Benefit transfer vision card on the first of every month. Then this card is used to help pay the child care provider. The provider that is chosen must fit the requirements of the program and the program will not pay for a mother to watch her own children.

Food Assistance

The food assistance program is a great way to help provide food for you and your family. The program allows for a certain amount of money to be given to you each and every month to help pay for food items.


In order to be eligible for food assistance you must be below a certain income threshold that is based upon your household income and the number of people in your household. The program is open to nearly anyone who meets certain need requirements and you can apply online here This application allows you to apply for TANF, child care subsidies and food assistance at once.


The program will give you an Electronic Benefit transfer Vision card. Then, every month, money will be put on the card to be used toward food purchases. The card can be used at any of a number of places where it is accepted and can be used toward nearly any type of food purchase. The amount of money that is given each month will depend on your income level and the number of people in your household.

WIC (Woman Infants and Children)

The WIC program is available for pregnant woman, nursing mothers and children under 5. The program offers food assistance and assistance for necessary baby items.


The program is available to low income mothers and children under age five. They provide checks based on the monthly income and number of members in your household. To apply for WIC all you have to do is contact a health department office near you. You can find out more about WIC in Kansas here


WIC offers food checks each month that can be used on specific types of food that meet certain health and nutrition requirements. They also offer breastfeeding help, nutrition support and immunizations to ensure the health of you and your family. They can also offer assistance with buying formula for infants as well.

FAFSA (Free Application for Student Aid)

If you are looking to go back to school in order to better provide for you and your children, then you may also be eligible for education assistance. You can fill out a FAFSA application online at The program can help you afford to go to school and get a degree. The program is available for low income households and can pay for some or all of your tuition costs. This can be a great way for single mothers to improve their situation and work toward self-sufficiency.

Taking advantage of these programs can help you create a better life for you or your children. You can also ask at your local agencies about other programs that may be able to help you, such as assistance with medical expenses or grants to help care for children with special needs. Many of these programs allow you to apply in tandem, making it easy to get the best for you and your family.

Who Provides the Best Home Loans for Single Mothers?

Most single mothers find themselves having to start life all over again. Purchasing a safe home for their children is paramount to the family’s future. However, many single mothers must struggle to purchase a home because of costly down payments, high closing costs, and bad credit. But giving up isn’t an option. Fortunately, there can be plenty of assistance available for single mothers who are having issues buying a home. Continue reading Who Provides the Best Home Loans for Single Mothers?

Assistance for Single Mothers in Illinois

Being a single mother in today’s economy is a real struggle. Whether the mother has one child or several, making it on her own is difficult. There is assistance for single mothers in Illinois. There are several different government programs in the state of Illinois to help the mother live a more comfortable life, knowing she will be able to provide for her children.

Food Stamp Assistance for Single Mothers in Illinois

One of the main concerns for many single mothers is how they are going to put food on the table. The Food Stamp program in the state of Illinois is called The SNAP program. The program works by taking the gross income and net income and utilities into consideration. They also take into consideration the size of the family. Each month the mother will get a certain amount of money put onto her card. The card is very similar to a debit card but only allows food to be purchased. Things such as tobacco or alcohol are not allowed to be purchased using the card. There are other rules when applying for a SNAP card. Some of these rules are things such as; they expect a mother to try to get work even if they do not get very many hours during the week. They will require the mother to provide proof of employment and hours. They also require, if there are any changes to the household size or income that they be reported immediately. The program will do checks on a random basis to make sure things are in order. Another type of food program that comes as a great assistance for single mothers in Illinois is the WIC program. Here the mother and children will get checks for items such as bread, peanut butter, milk, cheese, juice and eggs. The requirements are similar to the first program. The mother and children do get access to nutrition classes as well. The WIC program is intended for families with a child who is under five years of age. If all the children in the household are over the age of five, they no longer qualify for the program

Child Care Assistance for Single Mothers in Illinois

Another struggle for the single mother living in Illinois, is finding affordable childcare. Childcare rates have doubled in recent years. The childcare program in the state of Illinois is called CCAP. This program will require specific information to make sure the mother qualifies. This program also helps single teen mothers continue their education by providing care for their child. The requirements for this government program will require the household size, the county the mother lives in, if the children are in school and need part time care or full time care. They also ask for the gross monthly income of the mother and whether or not they receive child support or other sources of income. This program not only offers help with childcare but other services to help the single mother. Some of these services include consumer education and referrals as well as analyzed data for supply and demand for childcare in their area. There are several ways a single mother can apply, she can visit the local DHS office or apply online. The assistance will be based on a certain block of time for each week. If the time the child is there, goes over this block then the single mother will be required to pay the overage price.

Health Care Assistance for single Mothers In Illinois

Another concern for the single mother living in Illinois is how to pay for a doctor’s bill if their child gets sick. Insurance rates are higher then they have ever been in recent years. There is a program offered in the state of Illinois as well as most states across the United States. The program is called Medicaid. Expectant mothers are not turned away from this program. The program will pay for all the prenatal care of the mother and child. The mother will also get two months of post care after the baby is born. The program is also for children who are under the age of 19. The program goes by the mother’s income as well as household size. The medical care for the child is for medical doctors as well as dental and vision care. The program will require that the mother submits paycheck stubs of her income. The program will check on the status of the mother and income at least twice per year. If there are any changes to the household then the mother must report immediately. Failure to report may cause the mother to lose the program and she may have to pay money back to the state.

Financial Assistance

There are many single mothers who would like to further their education but does not think they can afford it. There is a government program called FAFSA that can help. This program offers the single mother the opportunity to further her education for free. The program will ask for information regarding her work history as well as past tax records. They also take into consideration how many children she may have. Additional educational grants are offered to single mothers, by the state. These grants are awarded based on the single mothers financial hardship. One such grant is called a Pell grant. This grant is one that goes by the income and will not have to be paid back. There are also student loans a mother can apply for but these will have to be repaid with a low interest rate.

Assistance for a Single Mother in Illinois made simple

Each of these programs listed are simple to apply for. There are basic questions the mother can fill out either at a local office or online. If the mother has any questions, she will be able to contact somebody either personally at the office, or over the phone. The mother must make sure she complies with all the rules and regulations of each program. Failing to comply may result in fines and possible jail time.

Welfare Benefits for Single Mothers

There are many programs available for welfare benefits for single mothers. These include food, medical, childcare, education and housing assistance. Program availability will vary depending on your location. Program eligibility will vary for each program as well. Each state has the same basic programs; they may just be called something different. In some states, transportation assistance may be included in some welfare benefits programs.

Food and Nutrition Assistance

Food Stamps and WIC are the two main food and nutrition programs included in welfare benefits for single mothers. WIC is a separate program, but often works alongside the local food stamp program for your state. Usually, if you qualify for one, you qualify for both.

Food stamps are available for low-income and under employed single mothers and families that are unable to purchase food items. Program requirements for each state vary. The items that are taken into consideration are your income, your rent or mortgage payment, electricity, water, natural gas and telephone. A determined amount of assistance will be allotted to each qualifying family each month. The amount for each family will differ. The benefits are automatically loaded onto a debit like card each month. Additional funds are not administered if you run out early.

WIC is a program that is set in place to help mothers and families of children ages five and younger. Healthy foods are provided on checks that include a specific amount that can be purchased at a time. The items included in the WIC program are baby formula, baby cereal, baby food, cereal, milk, peanut butter, juice, cheese, fresh fruit and fresh vegetables. Some WIC programs may include additional items.

Food Banks are available in all areas of the United States. Some of them do require proof of income or lack of income and proof of identity or residency. Food banks are set in place for emergency help to provide food for up to one week for needy families. The items available at food banks vary depending on what is donated and what is provided via government subsidies.

Housing Assistance

Most states have programs available to prevent eviction and foreclosure. In some cases it is in the form of a state grant. These grants are available one time and one time only to qualifying families. There are specific grants for single mothers to help with housing costs. State and federal programs fund these programs.

Welfare benefits for single mothers to help with housing can come in the form of cash assistance. Cash assistance is generally reserved for single mothers that do not have income but may receive child support payments. Speak to your personal caseworker about the availability of cash assistance and for the program requirements. Some states require that the person receiving cash assistance have a job working at least 30 hours per week.

The local Salvation Army may have funds available to help with housing costs and to prevent eviction or foreclosure. The Salvation Army is supported by grants and donations. If they do not have the funds to help, they can refer you to other local services that may be able to help. You can only receive this help from the Salvation Army once per year. They can help with other services once per year as well that include electric bill payment and natural gas bill payments.

Healthcare Assistance

Every state has welfare benefits for single mothers to provide healthcare for their children. This is most often identified as the Medicaid program. In some states it has a different name. There are often specific healthcare programs for children only. Some states only cover children due to the high poverty level or financial distress of the state’s economy. Adults can’t always be covered. These programs can be applied for at your local welfare office.

Many states have free or low-cost clinics. If your family qualifies for free care, children are often cared for first. It is much harder for an adult to receive healthcare assistance through a welfare program due to the large restrictions that are now on the programs in general.

Childcare Assistance

Childcare assistance may be available through the local welfare department as well. Childcare welfare benefits for single mothers often include six months of state paid daycare expenses to help a family become situated financially. Income requirements must be met. If the family is approved for these services, the children must attend a daycare facility that is chosen by the welfare system. It will be close in proximity to your location. They will find a daycare program that works with your schedule. If your child has special needs, a program to suit them will also be located.

Education Assistance

There are several state and local programs to aid adults in obtaining their G.E.D. for little or no cost. This is in an effort to further your education and help you to find more suitable employment. Your local library or welfare office will have program details and availability.

Assistance in attending college may also be made available by way of a grant. This is a one time grant that is attainable in special circumstances. Some jobs require that you pay for your own training or schooling. If you are unable to afford the costs, a state program may be able to help.

Transportation Assistance

Many states have transportation programs as a part of medical welfare benefits for single mothers and low income families. This transportation program provides free transportation to and from medical appointments and procedures. This is tied in with Medicaid benefits. Not all states are able to provide this type of assistance due to the cost of the program.

Transportation assistance to school or work is available in very few states. Ask your caseworker on bus pass assistance programs and other transportation program availability to help get you to and from work or school at a discounted rate. In some cases, a bus pass can be provided to you at no cost for one month depending on your circumstances and the program availability that your state has.

Assistance for Single Mothers in Arkansas

There are several programs for assistance for single mothers in Arkansas. The local Welfare or Human Services office will have a variety of programs available to help single mothers. We will discuss several of the programs available and what the requirements for each program are throughout this article. Many single mothers know that help is out there, they just do not know where to begin looking or what items they may need to qualify. Every program will have different guidelines for qualification. Many of them will ask for the same documents, it is best to keep these documents available in one folder for easy location. The basic items to always keep together in one folder are pay stubs or income verification, rental agreements or mortgage statements, birth certificates, bank statements and utility bills. These items are the basics that almost every agency will require for program eligibility.

Childcare Assistance for Single Mothers in Arkansas

A Federally funded program assisting single mothers in Arkansas regarding childcare provides care for children at a reduced fee or no fee, depending on the qualifying income of the single mother. To apply for this program, contact the Department of Human Services and inquire about the Childcare Assistance Program. Single mothers that are full time students or that work thirty or more hours per week to sustain a household may qualify for full childcare assistance through a federally funded program.

With this program, the Department of Human Services will review the income in the home compared with the living expenses and determine if the applicant qualifies for a reduced rate or free childcare. The single mother will then be given a provider name that is in the network of providers and that is close to their home to contact for the service. If the income exceeds the program requirements, the agency can provide information regarding other childcare programs. Federal funding is available to Arkansas single mothers, in some cases, even with the income requirements being exceeded for the Department of Human Services programs. These will be discounted rate programs with providers within the network that is approved by the Department of Human Services.

Healthcare Programs

The state of Arkansas has a great program to assist single mothers in providing healthcare for their children. This program is called ARKids First. It is a program for assistance for single mothers in Arkansas to ensure that their children receive proper medical care. This program is designed for single mothers whose income exceeds the requirements for whole family coverage. The state of Arkansas sponsors this program solely without government assistance.

Whole family Medicaid coverage is available for those families that meet the income requirements of the state. Arkansas has income requirements that are coupled with a household’s living expenses that will determine eligibility for the whole family Medicaid program. If a child qualifies for this program, they will be excluded from the ARKids First program. ARKids First generally includes all children that are not included in the whole family Medicaid program. The income requirements are a bit more lenient regarding the ARKids First medical assistance program.

Food and Household Supplies Assistance

There are several programs available for food and household supplies assistance for single mothers in Arkansas. WIC is a wonderful program to help mothers or families that meet their program requirements. Children up to the age of five can be included in the WIC program.

The requirements for the Arkansas WIC Program are:

• The income of the household must be within 185% of the poverty level.

• Children must be between the ages of newborn to five years old.

• Arkansas residency is a must.

• A specific dietary need or general need for nutritional assistance for the children.

• An exam deeming a participant’s children eligible by an on-staff Nurse or other medical professional

• Children who are deemed to be at a nutritional risk.

WIC has added many food items to their accepted list. Always be sure to inquire about alternative item availability should the child in the program have a specific food allergy or lactose intolerance problem. WIC also has a Farmer’s Market Nutrition Program available. It is operated by the Special Supplemental Nutrition Program for Women, Infants and Children. This program is funded by the USDA. Fresh fruits and vegetables are provided to the women and children that qualify for this program or that are currently receiving general WIC assistance.

The food stamp program is available for families that meet the requirements for nutritional assistance. Eligibility is based upon the income of the home, number of people in the home and the living expenses within the home. The amount received will vary for each qualifying household. Items needed for qualification include proof of income or lack of income, rental lease or mortgage statement, bank account statements, utility bills, birth certificates for all members of the home and other required documentation.

Arkansas also has a Food bank Network that can assist low-income families with emergency food supplies. In many cases, additional items such as toiletries, diapers, wipes, clothing and general household necessities may be available. A list of locations is available at the Department of Human Services. It is a good reference to keep on hand during the waiting period for food stamp approval or denial.

Additional Assistance for Single Mothers in Arkansas

The state of Arkansas does have a transportation assistance program. This program is designed to help single mothers obtain transportation to work or school. It also helps transport qualifying families to non-emergency medical appointments. Transportation assistance is available within specific welfare quarters limits.

Rent and housing assistance can be available for qualifying single mothers and families. If shelter for the family must be sought, HUD is an available option. Strict income restrictions do apply to the HUD Housing program. A highly reduced rent payment will be assessed to qualifying families in approved housing. The local welfare office can provide references for rental assistance; however, most programs do require an eviction notice in order to assist in providing rental assistance funds.

These programs are all designed with the single mothers of the state of Arkansas in mind. The local welfare office will have all of the necessary resources and literature for eligibility requirements for these programs. Many must be started in a process through the Department of Human Services. Assistance for single mothers in Arkansas is available in many avenues. Their programs are some of the best in the country. The state of Arkansas prides themselves on being able to help families get back on their feet when they’ve suffered a hardship.

Debt Relief for Single Moms

Single moms often find themselves getting in over their heads in debt. Most of the time the debt occurs because of a divorce and the inability to handle all of the bills on her own. In other cases, it is just that her income is not enough to provide for her children and keep her head above water. There is debt relief for single moms available. Programs are made available that cater specifically to single moms.

Using Home Equity for Debt Relief

Some single moms own their homes or are given their homes in a divorce settlement. In this case, she can apply for an equity loan if there is equity available. She must not be behind in mortgage payments and must have a worthy enough credit rating. Debt relief for single moms often comes from an equity loan. Although it does add more money that will have to be paid back, the terms of equity loans are often much more manageable than other types of loans.

In some cases an equity loan can be tacked on to a mortgage or the payments can take over when the mortgage is paid in full. Mortgage lenders are more willing to work with someone that is in good standing. If payments have been made on time and the payments are current, there is usually little that a lender will look down on in regards to extending a loan or adding to it with an equity loan.

Lines of Credit for Single Moms

Lines of credit are sought out by single moms to help pay their bills and reduce their debt. This course of debt relief for single moms allows them to have funds available that can be budgeted to last for months. A line of credit is often a great idea when an actual loan cannot be obtained or she does not have equity available in her home to acquire an equity loan.

Using a line of credit to pay down debt and bring your accounts current can bring a huge sigh of relief upon approval. Although it is another bill to pay off, it gets the creditors to stop calling and reduces a single mom’s stress level. They have enough to worry about on a daily basis just providing for their children the basic necessities in life.

Grants for Debt Relief for Single Moms

There are several grant programs for debt relief for single moms. These grants do not have to ever be repaid. A single mom can apply for one of several government grant programs. These grants can only be given once in your lifetime through a single program. Many of them do have a cap as to how much can be applied for. The process begins with providing a detailed letter of need. This also needs to include a strong proposal with valid background information discussing the situation at hand causing the debt to have piled up. The bills and their balances need to be included along with your household living expenses in a detailed report. Income verification must also be included. Some programs may ask for you to submit your budget to show how you spend your income. It may seem like they are asking for your life story, but that is what they need to determine your eligibility for the grant.

Many women’s only programs offer grant opportunities as well. These grants are a little more flexible in what they ask for during the qualification process. They are specifically for debt relief for single moms to help them pay down debt accrued from emergencies with their children, re-establishing financial stability following a divorce or help in paying down non-covered medical expenses. The place to inquire about these possible grants would be the local WIC office. WIC is often given literature and requirements for special programs just for single moms since most of their clients are single moms.

Contact a Debt Settlement Company

This form of debt relief for single moms is often not thought of. A debt settlement company is often able to significantly reduce the amount of debt owed at the request of the debtor. Single moms can submit a statement of financial hardship with pertinent proof of the hardship in order for the collection agency or company owed funds in hopes of having the amount owed reduced. Wanting to settle a debt with a collection agency shows the company that you are not ignoring the debt, it says that you are just financially unable to pay all of what you owe. If it is an interest bearing collection account, they will stop the interest from piling up and usually remove the amount of interest owed completely. In many cases, only ½ to 2/3 of what is owed originally will actually be paid back when a settlement agreement is made. One of the stipulations of working with a debt settlement company is that you absolutely cannot miss a single payment. If you are going to be late, contact them as soon as you realize that you will be late so that arrangements can be made without additional penalties.

Credit Counseling for Debt Relief for Single Moms

A credit counselor can help a single mom budget her income to be able to provide housing and food for her children while paying down some of her debt. This type of debt relief for single moms helps to build her credit rating while getting out of debt at the same time. What the credit counselors do is contact your debtors. They work with the debtors to reduce the amount owed and come to a reasonable payment plan that does work into your budget. In some cases, it can be as little as just ten dollars a month. What creditors really want is for a debtor to show them that they want to pay what they owe and can do it in time. Single moms have much less money to work with most of the time. Even with child support payments coming in, it can still not be enough to get by. Credit counseling can be a very beneficial step in the right direction.