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How to apply, step by step
Pick a program. We show you what papers to gather, where to apply and what happens next, one step at a time.
Pick a program
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No program matches that. Try a simpler word, like "food" or "rent", or call 2-1-1 and tell them what you need.
Food
Health care
Money and taxes
Housing
Bills and phone
Kids and childcare
School and jobs
Veterans
From iCoach Solutions, a licensed insurance agency
Not a government program. iCoach Solutions runs this free site and also sells insurance.
Food
SNAP (food stamps)
The Supplemental Nutrition Assistance Program helps families buy groceries. Here's how to apply step by step.
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Before starting your application, gather these documents. Having them ready makes the process faster.
- Photo ID (driver's license, state ID, or passport)
- Social Security cards for everyone in your household
- Proof of income (pay stubs, benefit letters, tax returns)
- Rent or mortgage statement
- Utility bills (electric, gas, water)
Tip: If you don't have all documents, apply anyway. The office can help you get what's missing. Don't let paperwork stop you from getting help.
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Most states let you apply online. Find your state's portal and create an account.
Apply online in your state:
SNAP limits from October 1, 2026 (48 states and DC)
- 1 person
- Gross income up to $1,729 a month. Most you can get: $306 a month.
- 4 people
- Gross income up to $3,575 a month. Most you can get: $1,023 a month.
Many states use higher income limits. Apply even if you are over. Alaska and Hawaii have different amounts.
Common fields you'll see
- Household size
- Count everyone who lives with you and shares meals together
- Gross income
- Your total income before taxes are taken out
- Resources
- Bank accounts, cash on hand. Most states exempt your home and one car.
Need food now? Ask for expedited (fast) SNAP. The office must get benefits to you within 7 days if any of these is true:
- Your income this month is under $150 and you have $100 or less in cash and bank accounts.
- Your income plus your cash and bank accounts add up to less than your rent and utilities.
- You are a migrant or seasonal farmworker with $100 or less.
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After submitting your application, you'll be scheduled for an interview. Most states now do these by phone.
What to expect:
- Interview lasts 15-30 minutes
- They'll verify information from your application
- Have your documents handy to reference
- Be honest. An honest mistake is not fraud, and it can be fixed.
Common interview questions
- "Who lives with you?"
- List everyone by name, age, and relationship
- "What's your income?"
- Include all sources: jobs, child support, SSI, etc.
- "What are your expenses?"
- Rent, utilities, childcare, medical costs
Tip: If you miss your interview, call back immediately to reschedule. They'll give you another chance.
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After your interview, you may need to submit additional verification. You usually have 10 days to provide documents.
Ways to submit:
- Upload through the online portal (fastest)
- Fax to the number they provide
- Mail copies (keep originals)
- Drop it off at your local SNAP office
Tip: Take photos of documents with your phone and upload them. It's faster than mailing and you have proof of submission.
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Once approved, you'll get an EBT card in the mail. Benefits are loaded each month.
Using your EBT card:
- Works like a debit card at most grocery stores
- Buy food items only (no alcohol, tobacco, hot foods)
- Check balance online, by phone, or on receipt
- Benefits load on same day each month
Tip: Many farmers markets take EBT, and some add extra money for fruits and vegetables. Ask about "SNAP Match" programs in your area.
Health care
Medicaid
Medicaid is free or low-cost health coverage for people with low income. Each state runs its own program.
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Medicaid eligibility is based on your income and household size. In 40 states and Washington, D.C., adults ages 19 to 64 can qualify with income up to 138% of the federal poverty level (FPL). The 10 states that have not expanded Medicaid have much lower limits for most adults.
2026 income limits in expansion states (138% FPL)
- 1 person
- $22,025 a year (about $1,835 a month)
- 2 people
- $29,863 a year (about $2,489 a month)
- 3 people
- $37,702 a year (about $3,142 a month)
- 4 people
- $45,540 a year (about $3,795 a month)
A work rule is coming. By January 1, 2027, most adults ages 19 to 64 who get Medicaid through expansion will need to show at least 80 hours a month of work, school, job training or volunteering. Some people are exempt, such as pregnant women and people with certain disabilities or caregiving duties. Your state will tell you how to report it.
Tip: Even if you're slightly over the limit, apply anyway. Pregnant women, children, and people with disabilities often have higher income limits.
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- Photo ID for all adults applying
- Social Security numbers for everyone
- Proof of citizenship (birth certificate or passport)
- Proof of income (pay stubs or tax return)
- Proof of where you live (utility bill, lease)
Tip: Many documents can be verified electronically. If you're missing something, apply anyway and provide it later.
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You can apply through Healthcare.gov, your state's Medicaid website, or by phone.
Apply online in your state:
In Washington, you can also call Washington Healthplanfinder at 1-855-923-4633 (TTY 1-855-627-9604).
Tip: You can apply for Medicaid any day of the year. There is no enrollment period. Applying online is usually fastest.
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Once approved, you'll need to choose a managed care plan. Each plan has different doctors and benefits.
- Check if your current doctor accepts the plan
- Look at which hospitals are covered
- Compare prescription drug coverage
- Consider extra benefits (vision, dental, transportation)
Tip: If you don't choose a plan, one will be assigned to you. You can switch plans within the first 90 days.
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Your Medicaid card will arrive in the mail. You can start using your coverage right away.
- Find in-network doctors at your plan's website
- Schedule a wellness checkup
- Fill prescriptions at participating pharmacies
- No copays for most preventive services
Tip: Keep your card with you at all times. If you lose it, call your plan to get a replacement.
Money and taxes
EITC: Earned Income Tax Credit
The Earned Income Tax Credit is a refundable tax credit for working people with low to moderate income.
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To qualify for EITC, you must have earned income from a job or self-employment.
Tax year 2026 (the return you file in 2027)
- No children
- Income under $19,540 single, or $26,820 married filing jointly. Credit up to $664.
- 1 child
- Income under $51,593 single, or $58,863 married filing jointly. Credit up to $4,427.
- 2 children
- Income under $58,629 single, or $65,899 married filing jointly. Credit up to $7,316.
- 3 or more children
- Income under $62,974 single, or $70,244 married filing jointly. Credit up to $8,231.
- Investment income
- Must be $12,200 or less for the year.
Married but filing separately? You can still claim the EITC if you lived apart from your spouse for the last 6 months of the year (or are legally separated) and your qualifying child lived with you for more than half the year.
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- W-2 forms from all employers
- 1099 forms for freelance/contract work
- Social Security cards for you and children
- Prior year tax return (if available)
- Bank account info for direct deposit
Tip: Claim all qualifying children. Each child can add thousands to your refund. Children must live with you for more than half the year.
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You claim the EITC when you file your federal tax return. You don't need to apply separately.
Free filing options:
Also try:
- VITA (Volunteer Income Tax Assistance), free in-person help
- GetYourRefund.org, free online filing with support
Tip: If your income is $89,000 or less, you can file free with IRS Free File. If it is about $70,244 or less, VITA volunteers can do your return for free.
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By law, the IRS can't send refunds that include the EITC before mid-February. If you file early and choose direct deposit, the refund usually arrives by early March.
Tip: Track your refund at IRS.gov/Refunds or the IRS2Go mobile app. Don't pay for "rapid refund" loans, they charge high fees.
Food
WIC (Women, Infants and Children)
WIC gives healthy food, nutrition help and breastfeeding support to pregnant women, new mothers, babies and children under 5.
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You may qualify if you are:
- Pregnant
- Breastfeeding (up to 1 year postpartum)
- Postpartum (up to 6 months after birth)
- Parent/guardian of infant or child under 5
Income limits, July 2026 to June 2027 (185% FPL)
- 2 people
- $40,034 a year
- 3 people
- $50,542 a year
- 4 people
- $61,050 a year
A pregnant woman counts as two or more people (her and her expected babies).
Tip: If you're on Medicaid, SNAP, or TANF, you automatically qualify for WIC income-wise.
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WIC starts with an appointment at a local WIC office. Some states offer phone or video appointments. Call to schedule.
Washington State WIC: 1-800-322-2588
Tip: Many WIC offices have evening and Saturday hours. Ask about all available appointment times.
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Bring to your appointment:
- ID for you (and children if applying for them)
- Proof of income or Medicaid/SNAP card
- Proof of address (utility bill, lease)
- Immunization records for children
At the appointment:
- Height and weight measurements
- Blood test for iron (finger prick)
- Nutrition education
- Often, getting your WIC card the same day
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WIC foods include:
- Milk, cheese, yogurt
- Eggs
- Whole grain bread and cereals
- Fruits and vegetables
- Peanut butter, beans
- Baby formula (if not breastfeeding)
Tip: Ask if your state has a WIC shopping app. Many let you scan a product to see if WIC covers it.
Bills and phone
LIHEAP: help with energy bills
LIHEAP helps low-income households pay for heating, cooling, and energy costs.
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Income limits in many states (150% of the 2026 poverty level)
- 1 person
- $23,940 a year
- 2 people
- $32,460 a year
- 3 people
- $40,980 a year
- 4 people
- $49,500 a year
Each state sets its own limits, and some use higher ones. The amount of help also varies by state.
Funding note: as of late September 2026, Congress had not yet approved LIHEAP money for the year that starts October 1, 2026. Some states may open later than usual. Apply as soon as your state opens.
Tip: Priority goes to households with elderly members, disabled individuals, or young children. If that's you, mention it.
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- Photo ID for all adults
- Social Security numbers for everyone
- Proof of income (last 30 days)
- Current utility bill (in your name)
- Landlord info if utilities included in rent
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LIHEAP is run by states and local agencies. The fastest way to find yours: call 2-1-1 and ask for energy assistance, or ask your local Community Action agency.
In Washington State:
- Pierce County: (253) 798-4500
- King County: (206) 461-3700
- Snohomish County: (425) 259-3188
Tip: Apply early. LIHEAP money can run out. Many states open in the fall.
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Once approved, LIHEAP sends payment directly to your utility provider. You'll see a credit on your next bill.
Tip: Also ask about weatherization assistance. Many LIHEAP agencies can help insulate your home for free, reducing future bills.
Health care
CHIP: children's health coverage
The Children's Health Insurance Program gives free or low-cost health coverage to children in families who earn too much for Medicaid. Limits and costs are set by each state.
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CHIP covers children under 19 in families that earn too much for Medicaid but can't afford private insurance.
Income limits vary by state
- Example: Washington
- Covers children in families earning up to 312% of the poverty level. Above 210%, families pay $20 or $30 a month per child.
Your state may use different limits and costs. The application tells you what your children qualify for.
Tip: Most states cover children in families with incomes well above the Medicaid limits. Apply even if you think you earn too much.
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- Birth certificates for children
- Social Security numbers for children
- Proof of income (pay stubs, tax return)
- Proof of state residency
- Immigration status documents (if applicable)
Tip: Children who are lawfully present can get CHIP or Medicaid in many states. You can apply for your children even if you are not applying for yourself.
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CHIP uses the same application as Medicaid. The system automatically determines which program your children qualify for.
Or call: 1-800-318-2596 (24/7)
Apply online in your state:
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Once approved, choose a health plan and your children can start using their coverage right away.
CHIP typically covers:
- Doctor visits and checkups
- Immunizations and shots
- Hospital care
- Dental and vision care
- Prescriptions
- Mental health services
Tip: Some states charge small copays or premiums. By law, a family's total CHIP costs can't be more than 5% of its income.
Money and taxes
SSI: Supplemental Security Income
Supplemental Security Income provides monthly payments to people with disabilities and seniors with limited income and resources.
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You may qualify if you are:
- Age 65 or older, or
- Blind or disabled (any age, including children)
And you have:
Financial limits
- Resources
- Less than $2,000 individual / $3,000 couple
- Income
- Low. The limit depends on the kind of income you have.
Tip: Your home and one vehicle don't count toward the $2,000 resource limit. Neither do burial plots or life insurance under $1,500.
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You'll need:
- Social Security card and birth certificate
- Proof of citizenship or immigration status
- Bank statements (all accounts)
- Lease or mortgage documents
- Medical records from all doctors
- List of medications with dosages
- Names and addresses of all healthcare providers
- Work history for the past 15 years
Tip: Request your medical records now. It can take weeks to get them. Don't wait until you're ready to apply.
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Ways to apply:
Or:
- Call: 1-800-772-1213 (TTY: 1-800-325-0778)
- Visit your local Social Security office
Tip: You can get help from a disability advocate or lawyer. They are usually paid only if you win, and the law caps the fee at 25% of past-due benefits, up to $9,200.
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A first decision often takes several months. If you are denied, don't give up.
Important:
- Many first applications are denied
- You have 60 days to appeal a denial
- Many people win on appeal
- Get a disability attorney if denied
Tip: Keep seeing your doctors while waiting. New medical evidence strengthens your case on appeal.
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Once approved, you'll receive monthly payments. You may also get back pay from your application date.
SSI benefits include:
- Monthly cash payment (up to $994 for one person, or $1,491 for a couple, in 2026)
- Automatic Medicaid enrollment in most states
- May qualify for SNAP automatically
Tip: Some states add a payment on top of federal SSI. Ask your local Social Security office about your state.
Housing
Section 8 Housing Choice Vouchers
The Housing Choice Voucher Program (Section 8) helps low-income families afford safe, decent housing in the private market.
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Section 8 is for families earning less than 50% of the area median income (AMI). Priority goes to those under 30% AMI.
Limits depend on where you live and your household size. Look up your county on HUD's income limits page.
Tip: Elderly, disabled, and families with children often get priority. Apply everywhere, each housing authority has its own waitlist.
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Section 8 has limited funding. Most areas have waitlists that are often closed. Check multiple housing authorities.
Some housing authorities in Washington State:
- Tacoma Housing Authority: (253) 207-4400
- King County Housing Authority: (206) 574-1100
- Seattle Housing Authority: (206) 615-3300
Tip: Apply to multiple housing authorities. Waitlists vary, some rural areas have shorter waits. Sign up for alerts when waitlists open.
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Documents typically needed:
- Photo ID for all adults
- Social Security cards for everyone
- Birth certificates for children
- Proof of income (pay stubs, benefits letters)
- Bank statements
- Current lease (if renting)
- Proof of citizenship or eligible immigration status
Tip: Keep a copy of everything you submit. If you move, tell the housing authority. Missing one of their letters can cost you your spot.
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Waitlists can take years. During this time:
- Keep your contact info updated (critical.)
- Respond promptly to any letters
- Report changes in income or family size
- Continue applying to other housing authorities
Tip: While waiting, apply for other housing programs: public housing, LIHTC apartments, or nonprofit housing. Don't put all eggs in one basket.
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When your name comes up, you'll receive a voucher. Then you need to find a landlord who accepts Section 8.
- Voucher specifies your bedroom size
- You get at least 60 days to find housing, and some housing authorities give more
- Housing must pass inspection
- You usually pay about 30% of your income; the voucher pays the rest, up to a limit
Tip: Start looking for Section 8-friendly landlords before you get your voucher. Many areas have Section 8 landlord directories.
Money and taxes
TANF: cash help for families
Temporary Assistance for Needy Families provides cash assistance and support services to families with children.
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Basic requirements:
- Have a child under 18 (or pregnant)
- Be a U.S. citizen or qualified immigrant
- Have very low or no income
- Have limited savings (each state sets its own limit)
Tip: TANF has work requirements for most adults. You'll need to participate in job training, job search, or community service. Exemptions exist for some situations.
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- Photo ID for adults
- Social Security cards for everyone
- Birth certificates for children
- Proof of income (or lack thereof)
- Proof of address (utility bill, lease)
- Bank statements
- School enrollment for children (if applicable)
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Apply through your state's benefits portal:
In Washington, you can also call DSHS at 1-877-501-2233.
Tip: Apply for TANF, SNAP, and Medicaid all at once. It's the same application and you may qualify for multiple programs.
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You'll have an interview and create an Individual Responsibility Plan (IRP) outlining your path to self-sufficiency.
The plan may include:
- Job search activities
- Education or training programs
- Community service hours
- Parenting classes
- Substance abuse treatment (if needed)
Tip: TANF can pay for childcare while you work or attend training. Ask about childcare assistance.
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TANF cash is loaded to an EBT card monthly. You can withdraw cash at ATMs or use it for purchases.
The amount depends on your state and your family size. Your caseworker will tell you your amount.
Tip: Federal rules limit most families to 60 months of TANF cash help in a lifetime, and some states set shorter limits. Use the job, training and child care help that comes with it.
School and jobs
Pell Grant
Pell Grants provide free money for college that you NEVER have to pay back. It's the largest federal grant program for students.
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Basic requirements:
- Be a U.S. citizen or eligible noncitizen
- Have a high school diploma or GED
- Be enrolled in a degree/certificate program
- Demonstrate financial need
- Not have a bachelor's degree already
How much you get depends on your Student Aid Index (SAI) from the FAFSA, your school's cost and whether you go full time. For 2026-27, the most you can get is $7,395 for the year.
Tip: Everyone should fill out the FAFSA, even if you think you won't qualify. You might be surprised, and it's required for all federal aid.
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Before you can fill out the FAFSA, you need an FSA ID. This is your electronic signature.
You'll need:
- Your Social Security number
- Email address
- Phone number
Tip: If you're a dependent student, your parent also needs their own FSA ID to sign the FAFSA.
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The FAFSA for the next school year usually opens by October 1. Apply early, because some state and school aid runs out.
Have ready:
- Your (and parents') Social Security numbers
- Federal tax returns from 2 years ago
- W-2 forms and other income records
- Bank statements
- Records of investments
- List of schools you're considering
Tip: When the FAFSA asks, give consent to get your tax information straight from the IRS. It's required, and it saves typing.
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After you submit, you'll get a FAFSA Submission Summary. Schools you listed then send financial aid offers.
Check your summary for:
- Your Student Aid Index (SAI) number
- Any errors in your information
- Verification requests (may need more documents)
Tip: Pell Grants are free MONEY. Loans are not. Don't confuse them. Accept grants first, then decide on loans.
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Accept your Pell Grant through your school's financial aid portal. The money goes directly to your school for tuition, fees, and housing.
If grant exceeds your costs:
- You get a refund check for the difference
- Use it for books, transportation, living expenses
- Set up direct deposit for faster refunds
Tip: You must reapply for FAFSA every year. Set a reminder for October 1. Also, maintain satisfactory academic progress to keep your aid.
Health care
Medicare: signing up at 65
Medicare is federal health insurance for people 65 and older and some younger people with disabilities. Signing up on time helps your coverage start when you need it and avoids late penalties.
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Medicare parts, in plain words
- Part A (hospital)
- Hospital stays, skilled nursing care after a hospital stay, and hospice. Most people pay no premium if they or a spouse worked about 10 years.
- Part B (medical)
- Doctor visits, outpatient care and preventive services. The standard premium is $202.90 a month in 2026, and the yearly deductible is $283.
- Part C (Medicare Advantage)
- Plans from private companies that cover Part A and Part B, and often drugs and extras. Optional.
- Part D (drugs)
- Prescription drug plans from private companies. Optional, but a late penalty can apply if you go without drug coverage.
Original Medicare (Parts A and B) doesn't pay for everything. Some people add a Medigap policy and a Part D plan; others choose a Medicare Advantage plan. What fits depends on your doctors, drugs, health and budget. For free, unbiased help, contact your State Health Insurance Assistance Program (SHIP) (opens in a new tab).
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Your Initial Enrollment Period is 7 months long: the 3 months before the month you turn 65, your birthday month, and the 3 months after.
When your coverage starts
- Sign up in the 3 months before your birthday month
- Coverage starts the 1st day of your birthday month.
- Sign up in your birthday month
- Coverage starts the 1st day of the next month.
- Sign up in the 3 months after
- Coverage starts the 1st day of the month after you sign up.
Born on the 1st of the month? Everything moves one month earlier.
Avoid a lifelong penalty. If you don't sign up when you are first eligible and you don't have other qualifying coverage (like a plan from your or your spouse's current job), you may pay a late penalty for as long as you have Medicare. For Part B, it is 10% more for each full 12 months you could have had Part B but didn't. The Part D penalty is figured a different way.
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You can enroll online, by phone, or in person at a Social Security office.
Or call Social Security: 1-800-772-1213
You'll need:
- Your Social Security number
- Date of birth
- Current health insurance info (if any)
- Employment info (if still working)
Tip: If you're already receiving Social Security benefits, you'll be automatically enrolled in Parts A & B. Watch your mail for your Medicare card.
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You have two main paths. Neither is right for everyone.
- Original Medicare, plus Medigap and Part D
- See any doctor or hospital in the U.S. that takes Medicare. You pay a separate premium for each part.
- Medicare Advantage (Part C)
- One private plan that covers Parts A and B, and usually drugs. Most use a network of doctors. Many add extras like dental or vision.
Compare plans for free on Medicare.gov (opens in a new tab), by calling 1-800-MEDICARE (1-800-633-4227), or with your local SHIP (opens in a new tab).
Want to talk it through? Licensed agents at iCoach Solutions, the company that runs BenefitIntel, can compare plans they represent with you at no cost to you.
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If you have limited income, programs can help pay your Medicare costs:
Help with Medicare costs
- Extra Help
- Helps pay Part D premiums, deductibles and drug copays
- Medicare Savings Programs
- Help pay the Part B premium, and sometimes deductibles and coinsurance
- Medicaid
- If you qualify for both, Medicaid can cover costs Medicare doesn't
If you are not sure you qualify, apply anyway. The limits may be higher than you think.
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Medicare plans can change their costs, covered drugs and doctors every year. Review your coverage during Medicare Open Enrollment, October 15 to December 7.
Each year, check:
- Are your doctors still in the network?
- Are your drugs still covered?
- Did premiums or copays go up?
- Is another plan a better fit now?
Yearly review: licensed agents at iCoach Solutions can go over your plan with you each fall. Email [email protected] or call the number below.
We do not offer every plan available in your area. Currently we represent 10 organizations which offer 1,111 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Not affiliated with or endorsed by the U.S. Government or the federal Medicare program. This is a solicitation for insurance. A licensed agent may contact you.
Bills and phone
Lifeline: phone and internet discount
Lifeline provides discounted phone or internet service to eligible low-income households.
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You automatically qualify for Lifeline if you participate in any of these programs:
Qualifying programs
- SNAP (Food Stamps)
- Medicaid
- SSI (Supplemental Security Income)
- Federal Public Housing Assistance
- Veterans Pension or Survivors Benefit
Income-based: If you don't participate in these programs, you may still qualify if your household income is at or below 135% of the Federal Poverty Guidelines.
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If qualifying through a program:
- Benefit award letter or statement showing your name and program
If qualifying through income:
- Prior year's tax return
- Current income statement from employer
- Social Security benefits statement
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The National Verifier is the official system for checking Lifeline eligibility.
Tip: Have your qualifying document ready to upload. The application is much faster if you can verify instantly.
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Once approved, you'll need to choose a Lifeline provider in your area. The discount will be applied to your monthly bill.
You can use Lifeline for:
- Phone service: cell phone or landline
- Internet service: home internet
- Bundled service: phone and internet together
Free phones available: Some Lifeline companies include a phone. To avoid scams, pick a company from the official list below.
Food
Free and reduced-price school meals
Free and Reduced-Price School Meals provide breakfast and lunch for eligible students.
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Your children automatically qualify for free meals if your household:
Automatic qualification
- Receives SNAP (Food Stamps)
- Receives TANF cash assistance
- Child is in foster care
- Child is enrolled in Head Start
- Child is homeless, migrant, or runaway
Direct certification: If you receive SNAP or TANF, your school may automatically certify your children, no application needed. Check with your school first.
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If you don't qualify automatically, it depends on household income. These limits apply from July 1, 2026 to June 30, 2027:
Yearly income limits, July 2026 to June 2027
- Household of 2
- Free: up to $28,132. Reduced price: up to $40,034.
- Household of 3
- Free: up to $35,516. Reduced price: up to $50,542.
- Household of 4
- Free: up to $42,900. Reduced price: up to $61,050.
Free meals: up to 130% of the poverty level. Reduced price: from 130% to 185%. Bigger households have higher limits; your school's form lists them.
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Get the application from your child's school or district website. You'll need:
- Names of all household members
- Income of each household member
- Last 4 digits of Social Security number (adult)
- Signature of adult household member
Tip: One application covers all the children in your household. You don't need one for each child.
Return the completed application to your child's school office or submit online through your district's portal.
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You'll receive an approval letter within 10 school days. Your children will be assigned a PIN or ID to use in the cafeteria.
Benefits include:
- Free or reduced-price breakfast
- Free or reduced-price lunch
- Snacks for after-school programs
- Summer meals at certain sites
Privacy protected: Schools cannot identify students receiving free meals to other students. All students use the same system to get meals.
Kids and childcare
Head Start and Early Head Start
Head Start provides free early childhood education, health, and family support services.
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Age requirements:
- Head Start: Children ages 3-5 (before kindergarten)
- Early Head Start: Pregnant women and children birth to age 3
Income requirement: Family income at or below the Federal Poverty Level
Automatic eligibility
- Family receives SNAP, TANF, or SSI
- Child is in foster care
- Family is homeless
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Head Start programs are run by local organizations (schools, nonprofits, community agencies). Find the one serving your area:
Tip: Apply early, because programs can fill up. Many take applications all year, and many start taking them in the spring for the fall.
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Documents needed:
- Child's birth certificate
- Proof of income (pay stubs, tax return, benefit letters)
- Proof of address (utility bill, lease)
- Child's immunization records
- Health insurance information (if any)
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Contact your local Head Start program to complete the application. Most programs require an in-person meeting.
What happens at enrollment:
- Complete application forms
- Discuss your family's needs
- Tour the facility
- Schedule health screenings for your child
Services your child will receive:
- Early education and school readiness
- Health screenings (dental, vision, hearing)
- Nutritious meals and snacks
- Family support services
- Disability services if needed
Money and taxes
SSDI: Social Security Disability Insurance
Social Security Disability Insurance provides benefits to workers who become disabled.
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SSDI (Disability Insurance)
- Work history required
- Must have worked and paid Social Security taxes
- Based on your earnings
- Benefit amount depends on work history
- Medicare after 24 months
- Automatic Medicare enrollment
SSI (Supplemental Security Income)
- No work history needed
- Based on financial need
- Asset limits apply
- $2,000 individual / $3,000 couple
- Medicaid automatic
- In most states
Note: You can apply for both SSDI and SSI at the same time. Many people receive both.
-
Your medical records are the most important part of your application. Gather:
- Names, addresses, phone numbers of all doctors
- Dates of all medical visits and hospitalizations
- Names of medications and dosages
- Lab work, MRIs, X-rays, and test results
- Mental health treatment records
Critical: Your disability must have lasted (or be expected to last) at least 12 months, or be expected to result in death. Short-term disabilities don't qualify.
-
For the past 15 years, document:
- Job titles and dates of employment
- Duties performed at each job
- Physical requirements (lifting, standing, etc.)
- Why you left each job
- Last day you were able to work
Also gather:
- W-2 forms or tax returns
- Social Security statement (create account at ssa.gov)
-
You can apply:
- Online at ssa.gov (recommended)
- By phone at 1-800-772-1213
- In person at your local Social Security office
Processing time: A first decision often takes several months. Many first applications are denied. Don't give up: you have 60 days to appeal.
-
Many first applications are denied. If that happens, you can appeal, step by step:
Appeal levels
- 1. Reconsideration
- Different examiner reviews your case
- 2. ALJ hearing
- Hearing before an Administrative Law Judge
- 3. Appeals Council
- Review by Social Security Appeals Council
- 4. Federal Court
- File lawsuit in federal district court
Consider a lawyer: Disability lawyers usually charge nothing up front and get paid only if you win. The law caps the fee at 25% of past-due benefits, up to $9,200. Many people get a lawyer for the hearing with a judge.
Money and taxes
Unemployment insurance
Unemployment Insurance (UI) provides temporary income while you search for a new job.
-
To qualify for unemployment benefits, you generally must:
- Lost your job through no fault of your own (laid off, company closed, hours reduced)
- Worked enough in the past (each state sets its own rules)
- Earned enough wages (varies by state)
- Be able and available to work
- Actively looking for work
Quit or Fired? You may still qualify if you quit for "good cause" (hostile work environment, safety issues) or were fired for something other than misconduct.
-
Before applying, gather:
- Social Security number
- Driver's license or state ID
- Complete work history for past 18 months
- Employer names, addresses, phone numbers
- Dates of employment and wages earned
- Reason for leaving each job
- Direct deposit information (for faster payment)
-
File your claim with your state's unemployment office. Apply as soon as you lose your job. Many states have a one-week waiting period before benefits begin.
File right away. Benefits usually count from the week you file, not the week you lost your job.
-
To keep receiving benefits, you must certify (usually weekly or bi-weekly). You'll confirm:
- You're still unemployed or working reduced hours
- You're able and available to work
- You're actively searching for work
- Any income you earned that week
Keep records: Document your job search. Many states require a set number of job search contacts each week. Keep a log of applications, interviews and networking.
-
While receiving unemployment, take advantage of free resources:
Free services
- American Job Centers
- Resume help, job listings, training
- SNAP (Food Stamps)
- May qualify while unemployed
- Medicaid
- Health coverage based on reduced income
- LIHEAP
- Help with utility bills
Bills and phone
Weatherization Assistance Program
WAP provides free home energy improvements to reduce utility costs.
-
You may qualify automatically if you get:
- SSI (Supplemental Security Income)
- TANF (cash assistance)
- LIHEAP (utility assistance)
Or if your household income is at or below 200% of Federal Poverty Guidelines.
Priority is given to:
- Elderly households (60+)
- Households with disabilities
- Families with children
- High energy users
-
Weatherization is administered by local Community Action Agencies. Contact yours to apply.
Waitlists: This program is in high demand, and some areas have long waitlists. Apply as soon as you can.
-
Documents you'll need:
- Proof of income (past 12 months)
- Utility bills
- Proof of homeownership or landlord permission
- ID for all household members
-
If approved, a trained auditor will visit your home to identify the most cost-effective improvements.
Common improvements include:
- Insulation (attic, walls, floors)
- Air sealing (cracks, gaps, leaks)
- Heating/cooling system repair or replacement
- Water heater replacement
- Energy-efficient windows and doors
- LED lighting
Savings: The Energy Department says weatherized homes save $372 or more a year on energy. The work costs nothing for households that qualify.
Housing
Emergency rent help
The federal Emergency Rental Assistance program has ended. Its money ran out on September 30, 2025. There is still help, and this page shows where to turn.
Being behind on rent is stressful. You are not alone, and there is still help. There is no national rent program to apply to right now, but cities, counties, charities and churches still give rent help in many places.
Where to turn now
- Call 2-1-1Dial 2-1-1. It is free and open 24/7. Say you are behind on rent and ask about local rent help and free legal aid.
- Contact your local housing authorityAsk about emergency help, public housing and voucher waitlists. Find yours (HUD) (opens in a new tab)
- Ask your Community Action agencyMany have emergency funds for rent or utilities. See our guide
- Got an eviction notice? Act fastDon't ignore court papers. Ask 2-1-1 for free legal help for tenants, and go to every court date.
Kids and childcare
Child care help
CCDF helps working families pay for child care so parents can work or attend school.
-
You typically qualify if:
- Your child is under 13 (or up to 19 with special needs)
- You're working, in job training, or in school
- Your income is below your state's limit (usually 85% of State Median Income)
- You're a U.S. citizen or qualified immigrant
Priority: Priority often goes to families receiving TANF, experiencing homelessness, or with children in protective services.
-
Each state runs its own child care assistance program. Find yours:
Common program names:
- Child Care Assistance Program (CCAP)
- Child Care Subsidy
- Working Connections Child Care
- Child Care Certificate Program
-
Documents you'll need:
- Birth certificates for your children
- Proof of identity (driver's license, ID)
- Proof of income (pay stubs, tax return)
- Proof of work or school enrollment
- Work schedule documentation
- Child care provider information
-
You can typically use your subsidy at:
- Licensed child care centers
- Licensed family child care homes
- Some license-exempt providers (relatives, friends)
- Before/after school programs
Co-pay: Most programs ask you to pay a share based on your income. It is usually much less than full-price care.
Veterans
VA health care and disability pay
Veterans Affairs provides healthcare, disability compensation, education, and more.
-
VA health care: you may qualify if you served in the active military and were not dishonorably discharged.
- If you started active duty after September 7, 1980, you usually need 24 months in a row, or the full period you were called up for. There are exceptions, for example for service-connected conditions.
- Some veterans, such as recent combat veterans, can get enhanced eligibility. VA's eligibility page explains who.
VA disability eligibility:
- Have a current physical or mental condition
- Served on active duty, active duty for training, or inactive duty training
- Condition is connected to your service
-
Your DD-214 (Certificate of Release or Discharge) is required for most VA benefits.
Don't have yours? Request a copy:
Timing: Getting records can take weeks. Start this early.
-
VA healthcare covers:
- Primary care and preventive services
- Mental health services
- Prescriptions (low co-pays)
- Specialty care
- Emergency care
-
If you have conditions related to your military service, you may receive monthly tax-free payments.
Monthly rates from december 1, 2025 (veteran with no dependents):
- 10% rating: $180.42/month
- 30% rating: $552.47/month
- 50% rating: $1,132.90/month
- 70% rating: $1,808.45/month
- 100% rating: $3,938.58/month
Get free help: Veterans Service Organizations (VSOs) help with claims for free. Find one with VA's accredited representative search (opens in a new tab).
-
Other VA benefits to explore:
- GI Bill: Education and training benefits
- VA Home Loans: No down payment mortgages
- Vocational Rehab: Job training and placement
- Life Insurance: SGLI and VGLI
- Burial Benefits: Cemetery and memorial benefits
School and jobs
FAFSA: federal student aid
The Free Application for Federal Student Aid (FAFSA) is the one form for federal grants, loans and work-study.
-
Before starting the FAFSA, create your FSA ID, your username and password for the system.
Who needs an FSA ID:
- The student (required)
- One parent (if student is dependent)
Important: FSA IDs can take 1-3 days to be fully active. Create yours before starting the FAFSA.
-
What you'll need:
- Social Security Number
- Federal tax returns (student and parent if dependent)
- W-2s and other income records
- Bank statements and investment records
- Records of untaxed income
Tax information: When the FAFSA asks, give consent to get your tax information straight from the IRS. It is required, and it saves typing.
-
The FAFSA for the next school year usually opens by October 1. Apply as early as you can.
Key tips:
- List the schools you're considering
- Save your work frequently
- You, and any parent who has to give information, each sign with your own account (FSA ID)
-
After you submit, you'll get a FAFSA Submission Summary. Schools then send financial aid offers.
Types of aid you may receive:
- Pell Grant: money you don't repay (up to $7,395 for 2026-27)
- Federal Work-Study: Part-time campus job
- Direct Subsidized Loans: Government pays interest while in school
- Direct Unsubsidized Loans: You pay all interest
- School grants/scholarships: Free money from the school
Compare carefully: Compare the "net price" (total cost minus grants/scholarships), not just the sticker price.
Money and taxes
Child Tax Credit
The Child Tax Credit lowers your taxes by up to $2,200 for each qualifying child, and part of it can come back as a refund.
-
Your child qualifies if they:
- Are under age 17 at the end of the tax year
- Are your son, daughter, stepchild, foster child, sibling, or descendant
- Lived with you for more than half the year
- Are a U.S. citizen, national, or resident alien
- Have a valid Social Security number
- Did not provide more than half their own support
-
Credit amount:
- Up to $2,200 per qualifying child (tax year 2026)
- Up to $1,700 of it can be refunded to you (the Additional Child Tax Credit)
- $500 for other dependents (age 17+)
Income limits:
- Single: Full credit up to $200,000 income
- Married Filing Jointly: Full credit up to $400,000
- Credit phases out above these amounts
Refundable: Even if you owe no taxes, you can get up to $1,700 per child back as a refund, if you earned at least $2,500 from work.
-
The Child Tax Credit is claimed when you file your federal tax return.
You'll need:
- Your child's Social Security number
- Your child's date of birth
- Proof of relationship (for audits)
Forms used:
- Form 1040 (main tax return)
- Schedule 8812 (Additional Child Tax Credit)
-
Don't forget EITC. If you have earned income, you may also qualify for the Earned Income Tax Credit, up to $8,231 more for tax year 2026.
Check the EITC guide in this app to see if you qualify.
Money and taxes
Free tax help (VITA)
VITA provides free tax preparation for qualifying individuals.
-
VITA is for people who:
- Generally earn about $70,244 or less a year
- Have disabilities
- Have limited English proficiency
- Are elderly (TCE program for 60+)
IRS-certified: VITA volunteers are trained and certified by the IRS. Your return is prepared for free.
-
VITA sites are located at community centers, libraries, schools, and other public locations.
Also available:
- IRS Free File: free tax software if your income is $89,000 or less
- GetYourRefund.org: Virtual VITA assistance
-
Bring to your appointment:
- Photo ID (for you and spouse)
- Social Security cards (all family members)
- All W-2s from employers
- 1099 forms (interest, dividends, self-employment)
- Last year's tax return (if available)
- Bank account info for direct deposit
- Childcare provider info (if claiming credit)
- Health insurance forms (1095-A, B, or C)
-
After filing:
- E-filed returns: Refund in 21 days or less
- Direct deposit is fastest
- Track your refund at IRS.gov/refunds
Maximize your refund: VITA volunteers are trained to look for the credits you qualify for, like the EITC, the Child Tax Credit and education credits.
Food
Meals on Wheels
Home-delivered meals for seniors and homebound individuals.
-
Generally eligible if:
- Age 60 or older
- Homebound or have difficulty preparing meals
- Spouse of eligible senior (any age)
- Disabled adult (some programs)
No income limits: Most Meals on Wheels programs don't have strict income limits. Donations are suggested but not required.
-
Meals on Wheels is operated by local organizations. Find yours:
Services may include:
- Hot meals delivered to your home
- Frozen meals for weekends
- Special diet accommodations
- Friendly visitor check-ins
- Pet food for seniors with pets
-
Call your local Meals on Wheels to enroll. They'll ask about:
- Your name and address
- Your age and living situation
- Any dietary restrictions or allergies
- Emergency contact information
Many programs can start delivering meals within a few days.
Health care
Help paying for prescriptions
Programs that help reduce the cost of prescription medications.
-
Most pharmaceutical companies offer Patient Assistance Programs (PAPs) for people who can't afford medications.
Ask your doctor: Your doctor's office often has PAP applications on hand and can help you apply.
-
Free prescription discount programs:
- Free discount cards and apps show cash prices at nearby pharmacies. You don't need insurance to use them.
- Prices for the same drug can differ a lot from one pharmacy to the next.
Note: Discount cards don't count toward your insurance deductible. Compare using your insurance vs. discount card to see which is cheaper.
-
If you have Medicare: You may qualify for Extra Help (Low-Income Subsidy) which pays Part D premiums and lowers drug costs.
2026 income limits:
- Single: up to $23,940 a year
- Married and living together: up to $32,460 a year
-
Money-saving tips:
- Ask your doctor about generic alternatives
- Request 90-day supplies (often cheaper per pill)
- Compare prices between pharmacies
- Ask about pill-splitting (some meds only)
- Check prices at grocery and warehouse-store pharmacies
- Look into mail-order pharmacies
Housing
USDA rural housing
Loans and grants for homeownership and home repair in rural areas.
-
USDA programs are for rural areas. Check if your location qualifies:
Surprising: "Rural" includes many suburban areas and small towns. More places qualify than you might think.
-
USDA rural housing programs:
- Single Family Housing Direct Loan: Low interest loans for low-income buyers
- Single Family Housing Guaranteed Loan: home loans with no down payment, through approved lenders
- Home Repair Loans & Grants: Fix up your existing home
- Mutual Self-Help Housing: Build your own home with others
-
USDA programs have income limits based on your area:
General guidelines:
- Direct Loans: Very low to low income (50-80% of AMI)
- Guaranteed Loans: Low to moderate income (up to 115% of AMI)
- Repair Grants: Very low income, age 62+
-
For direct loans: apply through your USDA Rural Development office.
For guaranteed loans: Apply through a USDA-approved lender (many banks and mortgage companies)
Benefits: USDA home loans can have no down payment, and some let you include closing costs in the loan.
Money and taxes
SSI for children
Supplemental Security Income for children with disabilities.
-
Your child may qualify if they:
- Have a physical or mental condition that seriously limits activities
- Condition has lasted (or is expected to last) 12+ months, or result in death
- Family has limited income and resources
- Are under age 18
Conditions that may qualify include:
- Autism spectrum disorders
- Cerebral palsy
- Down syndrome
- Severe ADHD
- Intellectual disabilities
- Serious mental health conditions
- Chronic illnesses
-
Collect all medical records:
- Names and addresses of all doctors and therapists
- Hospitals and clinics where child has been treated
- Medications and dosages
- Test results, evaluations, and assessments
- School records (IEP, 504 plan, evaluations)
Teacher input: SSA will contact your child's teachers. A supportive letter from teachers about limitations can help.
-
You can apply:
- Online at ssa.gov (start the process)
- By phone: 1-800-772-1213
- In person at your local Social Security office
Processing time: A decision often takes several months. Many first applications are denied. Don't give up: you can appeal.
-
If denied, you have 60 days to appeal. The appeal process:
- Reconsideration: Different examiner reviews
- ALJ Hearing: Hearing before a judge
- Appeals Council: Final administrative review
Get help: Some disability lawyers focus on children's SSI. They usually get paid only if you win, and the law caps the fee at 25% of past-due benefits, up to $9,200.
Money and taxes
Tribal TANF
Cash assistance for Native American families administered by tribal governments.
-
You may qualify if:
- You are a member of a federally recognized tribe, or
- You live in the service area of a Tribal TANF program
- You have dependent children (or are pregnant)
- Your family income is below the tribal limit
Key difference: Tribal TANF is administered by tribes, not states. Benefits and requirements may differ from state TANF programs and are often more culturally appropriate.
-
Many tribes run their own TANF programs. Find yours:
- Contact your tribal enrollment office
- Ask at your tribal social services department
- Call your local Indian Health Service office
-
Documents typically needed:
- Tribal enrollment card or Certificate of Indian Blood (CIB)
- Social Security cards for all family members
- Birth certificates for children
- Proof of income (pay stubs, benefit letters)
- Proof of residence
- Bank statements
-
Tribal TANF often provides:
- Monthly cash assistance
- Job training and employment services
- Child care assistance
- Transportation help
- Cultural preservation activities
- Emergency assistance
Food
FDPIR: food distribution on Indian reservations
Food Distribution Program on Indian Reservations provides USDA foods to eligible households.
-
You may qualify if:
- You live on an Indian reservation, or
- You are a member of a federally recognized tribe living in an approved service area
- Your household income meets FDPIR guidelines (similar to SNAP)
Important: You cannot receive FDPIR and SNAP in the same month. Choose the program that works better for your family.
-
FDPIR is administered by Indian Tribal Organizations (ITOs) or State agencies:
-
FDPIR food packages include:
- Canned meats, poultry, and fish
- Canned fruits and vegetables
- Grains (rice, pasta, cereal, flour)
- Dairy products (cheese, milk)
- Juice and other beverages
- Fresh produce (when available)
Health care
Indian Health Service (IHS)
Healthcare services for American Indians and Alaska Natives.
-
Generally eligible if you are:
- A member of a federally recognized tribe
- Descendant (to specified degree) of a tribal member
- Recognized as Indian by the community
- Alaska Native (member of Alaska Native village/corporation)
-
IHS operates hospitals, clinics, and health stations throughout the country:
Services may include:
- Primary care and preventive services
- Dental care
- Mental health services
- Substance abuse treatment
- Prescription medications
- Emergency care
-
Bring to your first visit:
- Tribal enrollment card or CIB
- Government-issued ID
- Insurance cards (if you have coverage)
- Social Security card
Also get insurance: IHS encourages eligible patients to also enroll in Medicaid, Medicare, or ACA coverage. This helps IHS collect third-party revenue to improve services.
Housing
Native American housing
Housing assistance programs for American Indians and Alaska Natives.
-
Native American housing programs include:
- NAHASDA: Native American Housing Assistance and Self-Determination Act (the main program)
- Section 184: Home loans for Native Americans
- Tribal HUD-VASH: Housing for Native veterans
- ICDBG: Indian Community Development Block Grant
-
Each tribe has a housing authority (TDHE) that administers housing programs. Contact yours to learn about:
- Available rental units
- Homeownership programs
- Home repair assistance
- Waiting lists and eligibility
-
Section 184 loan benefits:
- Low down payment
- No private mortgage insurance (there are smaller loan guarantee fees instead)
- Competitive interest rates
- Can finance on trust, restricted, or fee simple land
Health care
Medicare Extra Help
Help paying Medicare Part D prescription drug costs.
-
2026 limits for Extra Help
- Income
- Up to $23,940 a year (single) or $32,460 (married, living together)
- Resources
- Up to $18,090 (single) or $36,100 (married). These include $1,500 each set aside for burial.
- Not counted
- Your home, one car and personal belongings
What you save: in 2026, you pay no more than $5.10 for a generic drug and $12.65 for a brand-name drug, with little or no premium or deductible.
-
Ways to apply:
- Online at ssa.gov
- Call Social Security: 1-800-772-1213
- Visit your local Social Security office
- If you have Medicaid, SSI or a Medicare Savings Program, you get Extra Help automatically
Money and taxes
Social Security retirement
Monthly retirement benefits based on your work history.
-
To qualify, you need:
- 40 work credits (about 10 years of work)
- Age 62 or older (for reduced benefits)
- Age 67 for full benefits (if born 1960+)
-
Claiming age impact:
- Age 62: about 30% less than your full benefit, for life
- Full retirement age (67 if you were born in 1960 or later): your full benefit
- Age 70: about 24% more than your full benefit, if your full retirement age is 67
Consider: Waiting longer means higher monthly checks for life. Use SSA's calculator to compare options.
-
Apply online (easiest):
You'll need:
- Social Security number
- Birth certificate
- W-2s or self-employment records
- Bank account info for direct deposit
Veterans
Veterans Pension
Tax-free monthly payments for wartime veterans with limited income and net worth.
-
You may qualify if:
- Served at least 90 days of active duty, with at least 1 day during a wartime period (if you started after September 7, 1980, the rule is usually 24 months or the full period you were called up)
- Discharged under other than dishonorable conditions
- Age 65+ or permanently disabled
- Income and net worth below VA limits
Wartime periods include: WWII, Korea, Vietnam, Gulf War (ongoing)
-
Most you can get per year, Dec. 1, 2025 to Nov. 30, 2026
- Veteran alone
- $17,441
- Veteran with 1 dependent
- $22,839
- Veteran alone, housebound
- $21,313
- Veteran alone, with Aid and Attendance
- $29,093
These are maximums. VA subtracts your countable income, so most people get less. VA's rates page lists every case.
Free help with your claim: Veterans Service Organizations and other VA-accredited representatives help for free. Find one near you (opens in a new tab).
-
Apply through:
- VA.gov online portal
- Mail VA Form 21-527EZ
- Work with a VSO (free help)
Veterans
VA Aid and Attendance
Aid and Attendance is a higher VA pension rate for veterans and surviving spouses who need help with daily activities. It is a higher maximum, not an extra payment: VA subtracts your countable income.
-
You may qualify if you:
- Qualify for VA Pension (see the Veterans Pension guide)
- Need help with daily activities (bathing, dressing, eating)
- Are bedridden due to illness
- Are in a nursing home
- Have limited eyesight
Surviving spouses: Surviving spouses of wartime veterans may also qualify for Aid & Attendance.
-
You'll need:
- Examination report from your doctor (VA Form 21-2680)
- Statement of need for regular aid and attendance
- Medical records supporting your care needs
-
Apply through VA or work with a Veterans Service Organization:
Free help with your claim: Veterans Service Organizations and other VA-accredited representatives help for free. Find one near you (opens in a new tab).
Food
CSFP: monthly food box for seniors
Monthly food boxes for seniors 60 and older.
-
You may qualify if:
- Age 60 or older
- Income at or below 130% of Federal Poverty Level
- Live in a participating state/area
2026 income limits:
- Single: $1,729 a month
- Couple: $2,345 a month
-
CSFP is run by state and local agencies. To find yours, call 2-1-1 or your local food bank, or start at the USDA CSFP page:
Food packages include:
- Canned fruits, vegetables, meats
- Cheese and shelf-stable milk
- Cereal and grains
- Juice and peanut butter
Food
Summer EBT
Food benefits for school children during summer months.
-
Your child qualifies if they:
- Receive free or reduced-price school meals, or
- Attend a Community Eligibility Provision (CEP) school, or
- Your family gets SNAP or TANF (and, in many states, Medicaid)
Good to know: Summer EBT has been a permanent program since the summer of 2024. Not every state takes part, so check whether yours does.
-
How you'll receive benefits:
- Benefits loaded onto EBT card (if you have SNAP)
- Or a new Summer EBT card mailed to you
- $120 for each eligible child for the summer
Make sure your school has your current address.
School and jobs
Job training through WIOA
Free job training and career services through your local workforce center.
-
American Job Centers (also called CareerSource, WorkSource, etc.) offer free services:
Free services include:
- Career counseling
- Resume help
- Job search assistance
- Skills assessments
-
WIOA can pay for:
- Vocational training programs
- Certifications and licenses
- On-the-job training
- Apprenticeships
- Supportive services (transportation, childcare, tools)
Priority: Priority goes to veterans, low-income individuals, and those receiving public assistance.
School and jobs
Job Corps
Free residential career training for young adults 16-24.
-
You may qualify if:
- Ages 16 to 24 (the upper age limit can be waived for people with disabilities)
- Low-income household
- U.S. citizen or legal resident
- Need education, training, or employment
-
Training areas include:
- Healthcare (CNA, Medical Assistant)
- Construction trades
- Information Technology
- Culinary arts
- Automotive
- Business and finance
-
What Job Corps provides free:
- Career training and certifications
- High school diploma or GED
- Housing and meals
- Healthcare
- Living allowance
- Job placement assistance
Housing
Public housing
Affordable rental housing for low-income families, seniors, and people with disabilities.
-
General requirements:
- Income below local income limits (typically 80% AMI)
- U.S. citizen or eligible immigrant
- Pass tenant screening (credit, rental history)
Rent is usually: about 30% of your adjusted income (your income after certain deductions)
-
Apply through your local Public Housing Authority:
Waiting lists: Many areas have long waiting lists (months to years). Apply to multiple PHAs if possible, and apply for Section 8 vouchers too.
-
Tips for applying:
- Apply as soon as waiting lists open
- Apply to multiple PHAs in your area
- Keep your contact information updated
- Respond promptly to any PHA communications
- Ask about preferences (elderly, disabled, homeless)
School and jobs
AmeriCorps
Serve your community while earning money for education.
-
AmeriCorps programs:
- AmeriCorps State/National: Serve with local nonprofits
- AmeriCorps VISTA: Fight poverty, capacity building
- AmeriCorps NCCC: team-based, live-in service for young adults (check americorps.gov for current openings)
- AmeriCorps Seniors: Age 55+ volunteers
-
What you receive:
- Living allowance (varies by program)
- A Segal Education Award for school or student loans (for a full year of full-time service, it equals the maximum Pell Grant)
- Student loan forbearance
- Health coverage (most programs)
- Childcare assistance (if eligible)
Money and taxes
Community Action agencies
Local anti-poverty services and emergency assistance.
-
Over 1,000 Community Action Agencies serve communities nationwide:
-
Common CAA services:
- LIHEAP (utility assistance)
- Weatherization
- Head Start / Early Head Start
- Help with rent, in some areas
- Food pantries
- Job training and placement
- Financial literacy and tax prep
- Transportation assistance
One-stop shop: CAAs can help you access multiple programs in one place. They often know about local resources others miss.
Food
CACFP: meals at child care
Nutritious meals and snacks at child care centers, family day care homes, and after-school programs.
-
CACFP provides free or reduced-price meals at:
- Child care centers
- Family day care homes
- Head Start programs
- After-school programs
- Emergency shelters
Ask your child care provider if they participate in CACFP.
-
Your provider will handle the enrollment. You may need to provide:
- Household income information
- Number of people in household
- Child's information
Housing
Community Development Block Grants (CDBG)
Community Development Block Grants fund housing, infrastructure, and services in local communities.
-
CDBG may fund:
- Home repair programs
- Down payment assistance
- Public facilities improvements
- Economic development and job creation
- Social services in low-income areas
Contact your city's Community Development or Housing Department to learn what programs are available.
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CDBG is administered locally. Each city/county has different programs and applications.
Common programs include home repair grants, small business loans, and infrastructure improvements.
Health care
Title X family planning
Confidential reproductive health services on a sliding fee scale.
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Title X clinics provide:
- Contraception and family planning counseling
- STI testing and treatment
- Pregnancy testing and counseling
- Breast and cervical cancer screening
- Basic infertility services
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Key benefits:
- Services based on ability to pay
- No one turned away for inability to pay
- Confidential services (even for teens)
- No insurance required
Health care
Healthy Start
Prenatal and infant care services to reduce infant mortality.
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Healthy Start provides:
- Case management throughout pregnancy
- Health education
- Referrals to healthcare and social services
- Depression screening
- Breastfeeding support
- Home visiting
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Contact your local Healthy Start program to enroll. Services continue after your baby is born, until your child is 18 months old.
Housing
HOME program: help to buy or fix a home
HOME Investment Partnerships provide homebuyer assistance and affordable housing.
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HOME can help with:
- Down payment assistance
- Closing cost assistance
- Home rehabilitation/repair
- Building affordable rental housing
- Tenant-based rental assistance
Contact your city or county housing department to learn about HOME-funded programs.
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HOME programs serve low-income households (generally 80% of Area Median Income or below).
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Applications are handled by your local participating jurisdiction (city, county, or state).
Health care
Maternal and Child Health (Title V) services
Maternal and Child Health services including prenatal care and children's health programs.
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MCH Block Grant funds services like:
- Prenatal care
- Well-child visits
- Immunizations
- Children with special health care needs
- Lead poisoning prevention
- Newborn screening
Contact your state or local health department to find MCH-funded programs.
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Services are provided through public health clinics, community health centers, and contracted providers.
Food
Senior Farmers Market Nutrition Program
Fresh produce vouchers for low-income seniors at farmers markets.
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You qualify if:
- Age 60 or older
- Household income at or below 185% of Federal Poverty Level
- Live in a participating state/area
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Vouchers are distributed through senior centers, area agencies on aging, and other local organizations during growing season.
Use vouchers at:
- Farmers markets
- Roadside stands
- Community-supported agriculture (CSA)
School and jobs
Trade Adjustment Assistance (TAA)
Trade Adjustment Assistance helped workers who lost jobs because of imports or work moving overseas. It stopped taking new petitions on July 1, 2022.
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You may qualify if you lost your job because:
- Your employer moved production overseas
- Increased imports contributed to layoffs
- Your company supplies a TAA-certified firm
TAA is closed to new petitions. On July 1, 2022, the law that runs TAA reached its end date. The Labor Department cannot accept new petitions or certify new workers until Congress acts. Workers certified and laid off on or before June 30, 2022, may still get some benefits.
If you lost your job more recently, start with unemployment benefits and an American Job Center (see the unemployment guide and job training guide).
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TAA benefits include:
- Retraining for new careers
- Extended unemployment insurance (TRA)
- Job search allowances
- Relocation allowances
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If you were certified before July 1, 2022, ask your local American Job Center or state workforce agency what you can still get.
Food
TEFAP: emergency food
Free food distribution through food banks and pantries.
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TEFAP food is distributed through:
- Food banks
- Food pantries
- Soup kitchens
- Emergency shelters
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Visit your local food pantry during distribution hours. You may need to show:
- Proof of residence (utility bill, ID)
- Self-declaration of need
Many pantries ask for very little. If you're hungry, go. They are there to help.
Food
WIC Farmers Market Nutrition Program
Fresh fruits and vegetables vouchers for WIC participants.
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You must be enrolled in WIC to receive Farmers Market vouchers.
WIC serves:
- Pregnant women
- Breastfeeding women
- Postpartum women
- Infants and children under 5
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During growing season, your WIC office distributes additional vouchers for use at farmers markets.
Use vouchers for:
- Fresh fruits
- Fresh vegetables
- Fresh cut herbs
School and jobs
YouthBuild
Education and construction training for opportunity youth ages 16-24.
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You may qualify if you:
- Are 16-24 years old
- Have dropped out of school or are at risk
- Are from a low-income family
- Are involved in foster care or justice system, homeless, disabled, or a migrant youth
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YouthBuild operates in communities across the country:
What you'll get:
- High school diploma or GED
- Construction skills training
- Industry-recognized credentials
- Living stipend while in program
- Leadership development
- Job placement assistance
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Each YouthBuild program has its own application process. Contact them directly to learn about:
- Application deadlines
- Orientation dates
- Required documents
- Interview process
Money and taxes
Money basics: free resources
Free financial education to help you budget, save, build credit, and achieve financial stability.
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Key budgeting principles:
- 50/30/20 Rule: 50% needs, 30% wants, 20% savings/debt
- Track Everything: Know where every dollar goes
- Pay Yourself First: Save before you spend
- Emergency Fund: Build 3-6 months of expenses
Free budgeting tools:
- Free budget worksheets from the Consumer Financial Protection Bureau (CFPB)
- Your bank or credit union's budgeting tools
- A notebook or a simple spreadsheet
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What goes into a FICO credit score:
- Payment History (35%): Pay on time, every time
- Credit Utilization (30%): Keep balances below 30% of limits
- Credit History Length (15%): Keep old accounts open
- Credit Mix (10%): Different types of credit help
- New Credit (10%): Don't apply for too much at once
Free credit reports:
Building credit: Secured credit cards and credit-builder loans can help establish credit if you're starting from scratch.
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Free financial coaching resources:
- VITA Sites: Free tax prep + financial guidance
- Community Action Agencies: Local financial counseling
- HUD Housing Counselors: Free homeownership & budget help
- Financial Empowerment Centers: Free one-on-one coaching
- Credit Unions: Many offer free financial education
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Savings programs for low-income families:
- IDAs (Individual Development Accounts): Matched savings programs
- Saver's Credit: Tax credit for retirement contributions
- Roth IRA: a retirement savings account you can open at a bank or brokerage
- 529 Plans: Tax-advantaged education savings
Start small: Even $25/month adds up. Many apps let you invest spare change. The key is to start.
From iCoach Solutions, a licensed insurance agency. This guide is not about a government benefit. iCoach Solutions runs BenefitIntel and sells insurance, so we have a business interest here. Read it as general information, not advice for your situation.
From iCoach Solutions
Life insurance planning
How life insurance works, and questions to ask before you buy.
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Common types of life insurance:
- Term life: covers a set number of years, like 10, 20 or 30. For the same amount of coverage, it usually costs less than lifetime coverage.
- Whole life: covers your whole life and builds cash value. It costs more.
- Universal life: lifetime coverage with flexible premiums and cash value.
- Final expense: smaller policies meant for funeral costs. Some don't need a medical exam.
Check what you already have. Many jobs include some life insurance, and it may end if you leave the job.
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Add up what your family would need:
- Income: how many years of your pay would your family need to replace?
- Debts: mortgage, car loans, credit cards, student loans
- Children's future: child care and school costs
- Final expenses: funeral and burial costs
Then subtract savings and any life insurance you already have. What is left is a starting point for how much coverage to look at.
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Things that change the price:
- Your age
- Your health and family medical history
- Tobacco use (it raises the price)
- How much coverage, and for how long
Compare more than one company. An independent agent can show quotes from several. Your state insurance department can confirm that an agent is licensed.
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A licensed agent can:
- Compare policies from the companies they work with
- Help with the health questions on an application
- Help you name your beneficiaries
- Help with changes later
Agents are usually paid a commission by the insurance company, so there is typically no separate fee to you.
iCoach Solutions: Raymond Arce, licensed agent, offers a no-cost, no-obligation life insurance review. Email [email protected] or call the number below.
Need help near you?
2-1-1 connects you with food banks, shelters, help with bills and other services close to home. It is free and open 24 hours.
Program rules and amounts change. Check the official site before you apply, and remember that each program decides who qualifies.