Financial Assistance for Single Moms

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Are you looking for Single Mothers Financial Assistance?   Many single Moms will be glad to know some programs provide financial assistance to those who qualify financially.  You can even get Christmas help.  These financial programs for single mothers offer emergency help to low-income moms and single mothers, along with their young children and infants.  The truth is women are 35% more likely to live in poverty than men. (National Women’s Law Center)

Work inequities account for women being 60 percent of the nation’s lowest-paid workers.  Finding help can be stressful when you are the only one supporting your family.  As a single mom, the most important thing is how to take care of your children. Often friends and family members may be struggling just like you.  (More info) 

How do I Find Get Financial Help for Single Mothers?

What are the Best Single Mothers Financial Assistance Programs?

Do you desire to return to school to improve job prospects or need help with childcare or rent and utilities?   Perhaps you want to purchase your first home, well we want to help you.  If you are eligible for a free government phone, you will likely qualify for many of these programs.

Habitat for Humanity

Habitat for Humanity helps low-income single moms built a first-time home for their families.  A group of volunteers will work to build your new home, and as a requirement, you help by working to build your new dwelling and buying furniture from their Habitat stores. For more information, visit their website, go to a Habitat office near you, or call  1-800-422-4828. (more)

Early Head Start

This child program is a federally funded benefit program that allows low-income parents to give their children better educational preparedness. It is open to infants, toddlers, or two-year-old.  When a young child attends head start, they are more prepared for an education environment when entering kindergarten. This program prepares young minds to learn how to work and play with others and other essential skills.  (more)

Free Government Phone Program (Lifeline)

Lifeline Assistance makes it possible for low-income single mothers to receive free or discounted landline or cell phone assistance.  To receive a free cell phone or landline services, locate a government phone provider in your state, go to their website and apply online, with proof of financial status.  If approved, you can receive a free smartphone and free minutes or discount on your landline installation and monthly services.

Supplemental Nutrition Assistance Program (SNAP) for Single Mothers

If you are struggling, have lost your job, or are disabled, you may qualify for SNAP.  This food assistance program helps low-income families purchase and provide nutritious meals for their families.  If your gross family income is at or below the Federal Poverty Guidelines, you may qualify for help.

Many people do not know that you can qualify for emergency food assistance and expedited food assistance within 7-10 days, even if you do not receive any federal support.  Contact the Department of Social Services near you or go online to find out how to apply for Food Stamps (SNAP).

Women Infants and Children (WIC)

WIC is a federal and state food nutritional program.  This program helps low-income pregnant women, babies, and children under five years old. WIC can be used in local supermarkets and wherever they accept WIC.  (more)

Farmers Market Nutrition Program  (FMNP)

Congress authorized FMNP in 1992 to enable people eligible for WIC to receive monthly vouchers for purchasing fresh produce.  You can buy fresh produce directly from farmers, local farmer’s markets, and roadside produce stands in the area. (more)

 The National School Lunch Program (NSLP)

This free lunch program helps low-income children by providing breakfast and lunch during the school year and the Summer months. Many disadvantaged families can not afford to feed their children three meals a day. Some have to go to food banks to supplement meals.  If you qualify financially, your child can receive two free meals a day or receive a discount voucher. Find out if you are eligible for this meal assistance program.

TEFAP Grants (The Emergency Food Assistance Program)

This Federal assistance program offers free food assistance to low-income single moms, senior citizens, families, and individuals.  If you qualify financially according to the US Poverty Guideline standards, you can receive emergency food assistance.  To find out contact information for your state, go here and locate your form, then press “contact info.”

Children’s Health Insurance Program (CHIP)

CHIP allows disadvantaged women who do not qualify for Medicaid to purchase low-cost health care for their kids.   The health care programs are available in every state, DC, and Indian and US Territories.   You can apply online or by phone. 1-800-986-KIDS (5437)

Home Energy Assistance (LIHEAP)

Many families need help paying high heating and cooling bills. Home heating grants are distributed each year as a once-a-year subsidy from the Department of Health and Human Services.  The government allocates money to states, territories, and all tribal governments. If you qualify, you can receive a check for up to $350 the help disadvantaged single-family households.   (202) 401-9351.  (website)

Childcare Assistance

If you are a single mother, you have to work to provide for your family, or you are in school to continue your education.  The most important thing is to find safe, affordable childcare for your children.   Single mother’s financial assistance allowed me to go back to school and improve the quality of life for my child and me.

DSS funds the Child Care Assistance Program (CCAP), which consists of four childcare subsidy programs.  You can also get this help if you qualify. Contact the Division of Child Development in your state to get further information.

Transitional Child Care

Your income cannot be above 75% of the state average income. You can earn up to $47,568 for a family of three.  (more)

Mortgage assistance programs for single mothers

The Home Affordable Modification Program (HAMP) helps single mothers receive the help needed to prevent foreclosure on their homes. With mortgage assistance, refinancing, etc., you can lower your mortgage payments to a more manageable amount.   For information, call (888) 995-4673.

Home Affordable Refinance Program (HARP)

This program can help you have had your mortgage reevaluated. Therefore lowering the interest rant payments or shorten the life of your loan.  Contact FannieMae or FreedieMac to find out more about grants for single moms.

Second Lien Modification Program (2MP)

If you have a second mortgage through HAMP, this program can help you get your principle reduced on the second mortgaged property.   For more information on mortgage assistance for single mothers,  (888) 955-4673.  

Principal Reduction Alternative (PRA) 

PRA or principal reduction alternative, A federal program that reduces your principal on your mortgage principal when your balance is more than the home’s value.  To find out more, go to the IRS Website or call (888) 995-4673.

Charities that Help Single Moms

The Salvation Army

The Salvation Army provides safe shelters for single mothers and families.  These transitional living centers also offer moms with life support services such as education, counseling, vocational education, food, and other support to help a woman become stable and maintain family stability. They also sponsor a yearly Christmas toy drive to give gifts to needy children and seniors. 

Catholic Charities

This faith-based charity offers life-affirming, supportive services to residents struggling to care for themselves and their children.  These programs provide financial assistance with bills, social support for single mothers, families, and low-income individuals.  They provide help with bills, walk-in food bank providers, groceries, parenting classes, support, and guidance for pregnant teens who want adoption or to keep their children. (more)

St. Vincent de Paul Catholic Church

The Christian organization helps single mothers, parents, elderly, and singles with many support services that help add quality to their lives. Struggling families can receive help with transpiration in the form of gas vouchers and bus fares, rental assistance for those about to lose their homes, help with utilities, clothing, and household items from their thrift store, Christmas, and Thanksgiving food basket, to name a few.  (more)

Charities that Help Single Moms

Many charities help single mothers and other families struggling to care for their families.   They can help you pay late rent, utilities, offer counsel, food assistance, job preparation, parenting classes, Christmas toys, and more.  They recognize that our communities are not healthier than their families, and their goal is not just to give handouts but to help you maintain your family’s stability.

 You face eviction or loss of lights, water, or gas. Please contact the organization below to help.  Some of these agencies also have onsite food pantries.  Be prepared to show proof of income and identification for all children in the home. (more)

Single Women with Children

More people live at or below the federal level in today’s economy, not because they are lazy and not because they don’t want to work. More than 75% of low-income families have at least one family member working full-time.  That means that many employers do not pay a living wage, leaving people to seek help from charities and government agencies.

Many in the U.S. returned to work but make only a fraction of what they earned before.  Single mothers carry the whole burden for their families. With the increase of new low-paying jobs, many women cannot get benefits like medical, dental. It is a shame that almost 50% of our children live in poverty in this prosperous nation.

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