Emergency Financial Assistance for Single Mothers

Lidia Staron   OpenLoans Marketing Manager
Personal Finance
I enjoy navigating people through important financial decisions.

Single mothers with emergency financial difficulties who need assistance can look into options like personal loans for single mothers.

Single moms may be able to find emergency funding through a personal loan online.

If you are a single mom, we'd like to applaud you for your courage, strength, and commitment to be the sole provider for your kids. Parenting is a full-time job that even couples have difficulty doing together. It can be at least twice as hard to do on your own. When combined with the cost of raising children, making ends meet can make an already difficult life even more so. With only one source of income for the family, maintaining adequate savings isn't always a priority. Which means, should an emergency arise, there's a high chance that there isn't going to be enough to pay for the unexpected expense. If you’re looking for emergency financial assistance for single mothers, we’ve got a list of options you can explore.

1. Church Assistance Programs

Faith-based ministries often have programs that assist low-income families with financial assistance for paying utility bills and rent. These programs may also provide free food, clothes, affordable healthcare, and shelter. For example, Catholic Charities help qualified individuals regardless of their religion or beliefs. Some of the types of assistance provided by this organization include financial assistance to single mothers in paying utilities, prescriptions, and rent. You may also get free hot meals, grocery boxes, and even emergency housing services from Catholic Charities. Social workers and case managers in Catholic Charities also provide career counseling and resume review, enabling those in need to increase their skills and help obtain employment.

The Salvation Army is another faith-based organization that provides various types of assistance to low-income families. The organization can provide both short- and long-term housing assistance to families who have been displaced, free meals, and employment assistance. The latter involves providing parents with resources and opportunities to get stable and gainful employment.

2. Personal loans for single mothers

Technically, there aren't any personal loans specifically catering to the needs of a single mother. However, that doesn't mean that there aren't any in existence that would suit your needs as a single parent. The beauty of personal loans without collateral is that it does not require you to put up an asset in exchange for the loan (also known as collateral). In addition, you may be spoiled for choice with the number of lenders available. You just need to make sure that you get the interest rate and payment terms with which you can live.

3. HUD programs

The US Department of Housing and Urban Development (HUD) has a number of programs that help homeowners who are struggling with their monthly mortgage payments and at risk of foreclosure. Some of the programs will help modify or refinance your loan for lower payments or suspend your mortgage payments for a minimum of 12 months if you become unemployed. The HUD even has programs that can help you transition to more affordable housing if you no longer can afford to pay your mortgage.

4. Home energy assistance

If you need help paying energy costs, you can check out the Low Income Home Energy Assistance Program (LIHEAP) which is managed by the Department of Health and Human Services. The funding from LIHEAP is distributed among all states, territories, and tribal governments. Should you qualify, the money, which can amount up to $350, can pay for home cooling and heating bills. The program also provides assistance in weatherization and energy-related minor home repairs. Take note that the eligibility requirements vary from state to state. You will need to check with your local Department of Social Services to inquire about eligibility.

5. Supplemental Nutrition Assistance Program (SNAP)

SNAP provides low-income individuals and families nutrition assistance. Qualified individuals and families will be able to use SNAP benefits to buy foods for the household to eat as well as seeds and plants that will enable them to produce food. In certain areas, SNAP benefits can even be used to pay for low-cost meals in authorized restaurants. To be eligible for this program, you will need to have a total family income is at or below 135 percent of the national poverty line.

6. Child care assistance

The Department of Social Services funds several child care subsidy programs through the Child Care Assistance Program (CCAP). The CCAP assists parents with lower incomes to pay for childcare. This is even more important for single mothers who have no one to look after the children. The subprograms of the CCAP include the First Work Child Care for Working Families which can give maximum benefits worth up to $325 a month and the Job Connection Child Care Subsidy which is designed for families who are unemployed but receiving approved training. To find out what CCAP subsidy programs are available in your location, you can check with the Department of Social Services or Education in your state.

7. Dental Care Assistance

Oral care is important but not exactly something that’s easy on the pocket. For single mothers who are strapped for cash, there are several ways to get assistance with getting oral care for the whole family. One way is to check local dental schools in your area. Dental students often offer their services for free so they can practice the craft. Some local dentists also offer their services for free in clinics that are in underserved communities. Also, depending on your state, you may receive coverage for your dental work through Medicaid.

8. Temporary Assistance for Needy Families (TANF) program

The Temporary Assistance for Needy Families (TANF) program gives grant funds to states and territories to provide financial assistance to families as well as related support services. The state and territory will have discretion on what benefits to provide using the funds. These can include child care assistance, job preparation, and work assistance. You can check the TANF agency in your area to learn what benefits and services are available as well as if you are eligible to receive them.

9. Community Action Agency

The Community Action Partnership is a national nonprofit organization that provides tools and resources to Community Action Agencies to ensure that families get the help that they need. This assistance includes helping them find high-quality education programs for children, affordable housing for families, and job retraining for adults. If you're not sure where to go, you can visit your local CAA to see what kind of assistance is available to you and where you can go to get it.

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