Financial Help for Single Mothers

Single Mothers Financial Assistance.  Many single Moms will be glad to know there are programs that provide financial assistance programs are available to those who qualify financially. There are more programs that help single mothers and their young children and infants than most any group in the United States.  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 in your heart is how to take care of your children.  They are your priority!  When you are having financial difficulties, where do you go for help?  Often friends and family members may be struggling just like you.  (More info) 

Here is a list of  the Best Single Mothers Financial Assistance Programs

Do you have a 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, it is likely you are eligible for many of these programs.  Keep in mind you may have to go to more than one agency to get help.  There are thousands of other single Moms who need help as well, and these charities what to try to provide service to every woman that qualifies for help.

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 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.  It has been proven that 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 important skills.  (more)

Supplemental Nutrition Assistance Program (SNAP)

If you are struggling, have lost your job or are disabled, you may qualify for SNAP.  This is a food assistance program to help a low-income family 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.

What many people do not know is even if you are not receiving any type of federal support you can qualify for emergency food assistance and expedited food assistance within 7-10 days.  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 5 years gain access to healthy food by way of vouchers that can be used anywhere the program is accepted.

Farmers Market Nutrition Program  (FMNP)

FMNP was authorized by Congress in 1992 to enable people eligible for WIC to receive monthly vouchers to purchase fresh produce.  Produce can be purchased directly from farmers, local farmers 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 during 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.  The good news is 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.

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 is 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. Money is given out to the 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 financial assistance allowed me to go back to school and improve the quality of life for me and my child.  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 Division of Child Development in your state to get further information.

Job Connection Child Care Subsidy

For families who are not working but receiving approved training.  (more info)

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)

Child Care Certificate Program

Subsidies who do not qualify for the other programs. Income can’t be above 50% state median to be eligible.  (more)

The Salvation Army

The Salvation Army provides safe shelters for single mothers and families.  These transitional living centers also provide 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.  (more)

Catholic Charities

This faith-based charity that 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, the walk-in food bank providers groceries, parenting classed, 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 fare, 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, just to name a few.  (more)


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

 you are facing 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)

Here is a list of the Best Financial Assistance Programs for Single Moms

  1. HUD
  2. CHIP
  3. Early Head Start
  4. Medicare
  5. Salvation Army
  6. Catholic Charities
  7. Habitat for Humanity
  8. Charities that Help
  9. Childcare Assistance (CCAP)
  10. Women Infants and Children (WIC)
  11. The Society of St Vincent de Paul
  12. Home Energy Assistance (LIHEAP)
  13. The National School Lunch Program (NSLP)
  14. Supplemental Nutritional Assistance Program (SNAP)

The Economy and Single Moms with Children

In today’s economy, more people are living at or below the federal level; 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 are not paying a living wage, leaving people to look for 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 are unable to get benefits like medical, dental. It is a shame that in this rich nation, almost 50% of our children are living in poverty.

Some politicians, believe government spending is already out of hand and subsidy programs should be cut. The poor in this country should not be abandoned and our obligation as a country is to help our own citizens, especially single mothers.  They say the recession is over, but the truth is, millions of people live in the new age of poverty.  It is painful to live in the richest country in the world, and not have access to the American dream.

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