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If you’re a single mom in Louisiana struggling to make ends meet, keep reading for resources that help with: 

Statistically, families benefit most with cash assistance (vs through benefits programs).1 Here is our guide to single mom grant programs, including our own.

Every month, I give out $500 cash to one single mom struggling with money, health, stress, child care, illness or loneliness — no strings attached. 

Qualifications are simple:

1. You're a single mom.

2. You need the money right now.

Fill out this form to apply:

(Note that the figures and information in this post are current as of publication date.)

Number of people in family/householdAnnual income
1$15,960
2$21,640
3$27,320
4$33,000
5$38,680
6$44,360
7$50,040
8$55,720

For families/households with more than 8 people, add $5,680 for each additional person.each additional person.

You can also look up your area median income (AMI) here.

Want to buy a home in 2026? See what mortgage you qualify for.

Emergency cash for low-income families in Louisiana

If you need cash to pay bills, buy gas, feed your family, or for any other reason, these resources can help:

Temporary Assistance for Needy Families (TANF)-Louisiana

Louisiana’s TANF programs provide financial assistance, education, job preparation, and other services through two separate programs:  

Family Independence Temporary Assistance Program (FITAP): Provides financial aid for children whose parents cannot provide sufficient financial support.

  • $484 per month for a family of three

Kinship Care Subsidy Program (KCSP): Provides cash assistance for children who reside with a qualified relative other than a parent.

  • $450 per month for each eligible child 
  • Child cannot make more than $450 per month

Qualifications:

  • U.S. citizen or a qualified non-citizen
  • Louisiana resident
  • Financially needy family 
  • Must have Social Security numbers for all families members
  • Children must be 18 years old or younger or be 18 years old and enrolled in full-time secondary school/technical training
  • Individual receiving FITAP for child must be related by blood, marriage, or adoption
  • Children must live in the same home as applying relative
  • Applicant must assign child support/medical support rights to the state 
  • Applicant must cooperate with Child Support Enforcement Services
  • Monthly income cannot exceed the flat grant amount
    • Total countable income is subtracted from flat grant amount
    • Allowable income deductions:
      • Earned income deduction of $120 for each employed family member
      • Time limited deduction of $900 for six months for each employed family member
  • Work eligible applicants and recipients must participate in Strategies to Empower People (STEP) program
  • Children’s immunizations must be up to date
  • Each applicant/recipient who is pregnant or has a child under one years old must attend parenting skills training
  • Ineligible if parent or two parents have received benefits for 24 of the prior 60 months
  • Recipients have a lifetime limit of 60 months
  • Minor unmarried parents and children must reside in the home of parent, legal guardian, other adult relatives, or in an adult supervised arrangement
  • Applicants/recipients 18 years and older must cooperate in screening for use of illegal drugs, drug testing, and education/rehabilitation if needed

How to get help:

More emergency cash help in Louisiana: 

Single moms in Louisiana can visit 211.org or dial 2-1-1 to ask for assistance.

Check out these posts for more ways to get emergency cash: 

These are some more tips for getting cash quickly: 

Housing help for single moms in Louisiana

If you need help finding a place to live or paying your rent/mortgage, these programs can help: 

Rental assistance in Louisiana

There are multiple programs in Louisiana to help renters find housing and pay their rent:

Emergency Rental Assistance

The Louisiana Emergency Rental Assistance Program was established to help those experiencing housing instability as a result of COVID-19. The statewide application closed on 12/21/2022. However, the following parishes may still be accepting applicants for individual programs: 

Public Housing and Housing Choice Vouchers (Section 8)

The U.S. Department of Housing and Urban Development (HUD) offers affordable housing and vouchers to help low-income households pay their rent. The voucher covers a portion of the rent. The tenant pays 30-40% of their monthly adjusted gross income for rent and utilities. 

Qualifications:

  • Louisiana resident
  • Income cannot exceed 50% of median income for the county in which you live

How to get help: 

Mortgage assistance in Louisiana

If you need help with your mortgage in Louisiana, these programs can help: 

Hope Credit Union Home Loans

Hope Credit Union Enterprise Corporation offers loan options for first-time homebuyers, those looking to refinance, and those denied lending due to low credit scores. Hope has specific loan products that cater to low- to moderate-income families:

  • FHA loan – Ideal for families with low to moderate income who cannot afford a large down payment
  • Hope loan – An affordable housing loan from Hope Credit Union you can apply for even if your credit score is as low as 580

Hope has loan options for any income level and credit standing.

Qualifications:

  • Louisiana resident

How to get help:

Market Rate GNMA Program

This program from the Louisiana Housing Corporation offers a 30-year fixed rate FHA, VA, or USDA Rural Development mortgage at low interest rates. It also helps homebuyers with down payment assistance or closing costs, up to 4% of the home’s purchase price.

Qualifications:

  • Available for purchase of a single home in Louisiana
  • Household must have income up to 115% of AMI
  • Minimum credit score of 640
  • First-time and repeat home buyers are able to apply

How to get help:

Market Rate Conventional Program

Conventional loan applicants can receive up to 4% assistance for down payments, closing costs, or prepaid items through the Louisiana Housing Corporation.

Qualifications:

  • Available for purchase of single-family home in Louisiana
  • Maximum loan amount of $453,100
  • Maximum allowed 80% AMI by parish and household size
  • Minimum credit score of 640
  • 97% LTV 1-unit
  • Homebuyer education required for first-time homebuyers

How to get help:

  • Contact a Louisiana Housing approved lender
  • Call 225-763-8700

MRB Home and Assisted Program

This program helps potential homebuyers who are at 80% AMI or less get a mortgage with interest rates below market level. 

Qualifications:

  • Must be a first-time homebuyer
  • Property must be in Louisiana
  • Purchase price cannot exceed $349,525
  • Minimum Credit score of 640
  • Must meet local income requirements:
    • $63,900 for a family of three in Baton Rouge area
    • $56,450 for a family of three in New Orleans area

How to get help:

  • Contact a Louisiana Housing approved lender
  • Call 225-763-8700

Resilience Soft Second Program

This program offers up to $55,000 for a down payment and up to $5,000 for closing costs on 30-year fixed-rate FHA, VA, USDA, and conventional loan products. 

Qualifications:

  • Must be a first-time homebuyer
  • Annual household income at or below 80% of AMI
  • Properties cannot be located in a flood zone
  • Available only in parishes affected by the Great Floods of 2016

How to get help:

Check today's mortgage loan rates >>





Homeless and special needs housing assistance in Louisiana 

If you are homeless or at risk of homelessness, you may be able to get help from the following program: 

Coordinated Entry Access Points

If you are about to lose your home or apartment, are living on the street or in your car, and/or are fleeing domestic violence, contact your local Coordinated Entry Access Point for assistance. 

Other homeless programs

There are programs across the state for homeless assistance: 

More housing help: 

Electric bill assistance in Louisiana

If you are struggling to pay your utility bills in Louisiana, check out the following programs:

Energy Assistance Program (EAP) in Louisiana

The Energy Assistance Program (EAP) provides a one-time annual benefit to help cover home energy bills if you are disconnected or about to be disconnected. EAP will not cover all energy costs.

Qualifications:       

  • U.S. citizen or legally admitted immigrant
  • Louisiana resident
  • Applicants must be responsible for the household energy bill
  • Applicant must have an active heating/cooling utility account
  • Applicants may only receive one LIHEAP benefit each season:
    • Heating: November 15-March 15
    • Cooling: April 1-September 30
    • Crisis: October 1-September 30
  • Income is at 60% of estimated state median income — $3,505 for a family of three

How to get help:

Weatherization Assistance Program (WAP)

WAP helps qualifying households lower their monthly energy bills by making their homes more energy efficient. 

Qualifying projects may include: 

  • Air and duct sealing
  • Wall, floor, attic insulation
  • Heating, ventilation, air conditioning system improvements
  • Lighting efficiency 
  • Hot water tank insulation
  • Water conservation devices

Qualifications:

  • Income at or below 200% of FPL
  • Louisiana resident
  • Based on household income:

How to get help:

To apply for weatherization services, contact your local WAP providers.

Low-Income Household Water Assistance (LIHWAP) in Louisiana

LIHWAP helps eligible households pay for drinking and wastewater. It provides a one-time payment to low-income eligible households. 

Qualifications:

  • U.S. Citizen or legal immigrant
  • Louisiana resident
  • Responsible for paying the water bill
  • Income at or below 300% of FPL

How to get help:

  • VIsit the LIHWAP website for more information
  • Call 202-401-9351 or email lhartley@lhc.la.gov

More electric bill help: 

Free money to help pay bills

Medical insurance and dental help for single moms in Louisiana

The following medical and dental services are available to qualifying individuals and families in the state of Louisiana.

Louisiana Donated Dental Services

The Louisiana Donated Dental Services is part of Dental Lifeline Network. This program provides dental care to disabled, elderly, or medically at-risk patients. 

Qualifications: 

  • Lack adequate income to afford dental services
  • Permanently disabled, medically at risk, or 65 years or older

How to get help: 

Low or no-cost dental care in Louisiana

These local clinics provide low or no-cost dental services in Louisiana.

Health Resources & Services Administration (HRSA) in Louisiana

HRSA, an agency of the United States Department of Health and Human Services, funds health centers that provide free or subsidized health and dental care to low-income people and those otherwise unable to access quality health care, like people living in rural areas.

HRSA also offers a 24/7 free and confidential mental health hotline for pregnant and new moms. Dial 833-943-5746 (833-9-HELP4MOMS) if you are struggling.

Qualifications: 

Each health center sets its own eligibility criteria for free or reduced-cost care. 

How to get help:

Find an HRSA health center in Louisiana by typing in your address on HRSA’s search tool.

Louisiana Medicaid Options

Medicaid provides medical benefits to lower-income families.

Qualifications:

  • Receive Supplemental Security Income (SSI) from the Social Security Administration
  • Receive financial assistance from the Office of Family Support (OFS) through the Family Independence Temporary Assistance Program (FITAP)

You may qualify if you are:

  • Disabled
  • Have corrected vision no better than 20/200
  • Low-income parent of children under 19
  • Child under the age of 19
  • Pregnant
  • Have no insurance and need treatment for breast and/or cervical cancer
  • Receive Medicare coverage and are low-income 
  • Aged 19-64, have a household income less than 138% of the FPL — $2,859/month for a family of three

How to get help:

ACT 421 Children’s Medicaid Option/TEFRA

This program allows certain children with disabilities to receive Medicaid coverage even if their household income is too high.

Qualifications:

  • Louisiana resident
  • U.S. Citizen or qualified non-citizen
  • Under the age of 19
  • Have a disability recognized by the Supplemental Security Income program
  • Child does not have total assets over $2,000
  • Child’s income is less than three times the Federal Benefit Rate (FBR)
  • Child meets the institutional level of care provided in a hospital, skilled nursing facility, or intermediate care facility

How to get help:

Medicaid Application Office

PO Box 91278

Baton Rouge, LA 70821

The Louisiana Children’s Health Insurance Program (LaCHIP)

LaCHIP provides health coverage to uninsured children who are up to 19 years old.

Qualifications:

  • Child under the age of 19
  • Child may not have current health insurance
  • Household meets income limits — $4,496/month for a family of three

How to get help:

  • Apply online
  • Call 877-252-2447 to have an application mailed to you
  • Apply in person at a local office
  • Visit the Medicaid LaCHIP website

LaCHIP Affordable Plan

This plan helps to cover uninsured children whose families have an income too high to qualify for regular LaCHIP. The premium is $50/month per household.

Services covered by LaCHIP and/or LaCHIP Affordable Plan:

  • Doctor Visits
  • Hospital Visits
  • Dental Care
  • Vision Care
  • Hearing Care
  • Lab Work & Tests
  • Immunizations (Shots)
  • Prescription Medicines
  • Medical Equipment & Supplies
  • Medically Necessary Transportation
  • Speech & Language Therapy
  • Physical Therapy
  • Occupational Therapy
  • Mental Health Clinic Services
  • Psychological Tests & Therapy
  • Help Scheduling Appointments

Qualifications:

  • Child under the age of 19
  • Child may not have current health insurance
  • Household meets income limits — $4,894/month for a family of three

How to get help:

  • Apply online
  • Call 877-252-2447 to have an application mailed to you
  • Apply in person at a local office
  • Visit the Medicaid LaCHIP website

The Louisiana Health Insurance Premium Payment Program (LaHIPP)

LaHIPP may pay for your individual or employer-sponsored insurance if you or a family member qualifies for Medicaid. 

How to get help:

  • Download and complete the application. Submit form in one of the below ways:
    • Email completed form to La.HIPP@la.gov 
    • Fax form to 855-618-5486
    • Mail form to:
      • ATTN LaHIPP

P.O. Box 91030

Baton Rouge, LA 70821

LaMOMS

The LaMOMS program will pay for pregnancy-related services and may provide coverage for up to 12 months following the end of your pregnancy. 

Qualifications:

  • Louisiana resident
  • Any pregnant woman may apply for coverage
  • Meet income limits — $3,450 for a family of three

How to get help:

Partners for Healthy Babies (PHB)

PHB was implemented by the Bureau of Family Health and connects Louisiana moms/families to pregnancy resources, services, and information. 

How to get help:

More medical/dental help: 

Food help for low-income families in Louisiana

A number of federal and state food and nutrition programs are available across the state:

The Supplemental Nutrition Assistance Program (SNAP)

USDA’s Supplemental Nutrition Assistance Program (formerly known as the Food Stamp program) provides food benefits and nutrition education to low-income households. 

SNAP recipients are issued an EBT card that can be used like an ATM card to purchase food in retail food stores, including:

  • Breads
  • Cereals
  • Fruits
  • Vegetables
  • Meats
  • Fish
  • Poultry
  • Dairy
  • Plants and seeds to grow food 

Click here for a list of what you can and cannot buy. 

Qualifications:

  • Louisiana resident
  • U.S. citizen or legal immigrant
  • Show proof of identity
  • Households must provide or apply for Social Security numbers for each member
  • All able-bodied adults must register for work and accept suitable employment
  • Asset/resource limit of $5,000
  • Meet income limits within 200% of FPL — $3,052/month for a family of three, who can receive up to $740/month in SNAP benefits

How to get help: 

DCFS Economic Stability
P.O. Box 260031
Baton Rouge, LA 70826

  • Call 888-524-3578 to apply on the phone
  • Mail your completed application to or apply in person at any DFCS office
  • Once your application is filed a DFCS case manager will interview you
  • View the SNAP website for more information

The Emergency Food Assistance Program (TEFAP)/Feeding Louisiana

TEFAP is a federal program that helps low-income individuals in Louisiana supplement their diet by providing emergency nutrition at no cost. 

Qualifications: 

  • Each food bank sets its own eligibility and proof of need requirements 

How to get help: 

Louisiana’s Women, Infants, and Children (WIC)

The Special Supplemental Nutrition Program for Women, Infants, and Children is a nutrition program that provides free baby formula and nutritional food items to low-income mothers and their babies. 

Qualifications:

  • Low-income, pregnant, breastfeeding, and postpartum women, for up to one year postpartum
  • Women up to six months postpartum who are not breastfeeding
  • Infants and children under 5 years old, including foster children
  • Low-income sole provider parents of children under age of 5 who are at nutritional risk and who are below 185% of FPL
  • If you are currently receiving Medicaid, Temporary Assistance, or Food Assistance help, you are also eligible for WIC

How to get help:

National School Lunch Program (NSLP) and School Breakfast Program (SBP)

NSLP serves healthy, well-balanced, reduced-price or free meals to children in school. An extension of the NSLP, the School Breakfast Program provides free or low-cost breakfast to eligible students. 

Qualifications: 

How to get help: 

Contact your child’s school to enroll.

Summer Food Service Program (SFSP)

SFSP provides nutritious meals/snacks to children in low-income areas during summer months and long vacation periods during the school year. 

The program provides up to two meals or one meal and one snack per day per child. They are typically available at schools, churches, recreation centers, camps, playgrounds, parks, etc. 

Qualifications:

  • Children 18 years old and younger
  • Children 19 years and over who have a mental/physical disability

How to get help:

  • Call the National Hunger Hotline at 866-2-HUNGRY
  • Searchable Meal Site Locator
  • Call 866-348-6479 to find nearest site to you
  • Text “Summer Meals” to 97779

More food help: 

Child care help for low-income families in Louisiana

There are multiple federally funded education programs and resources in Louisiana.

Louisiana Head Start and Early Head Start 

Head Start is a free federal preschool program for children aged 3 to 5 from low-income families. Early Head Start serves pregnant women and children under age 3. The programs focus on cognitive, social, and emotional development and prepare children for school. 

Qualifications: 

  • Children from birth to 5 
  • Meet federal poverty guidelines 
  • Children in foster care, homeless children, and children from families receiving public assistance (TANF, SSI, etc.) are eligible regardless of income
  • Some programs accept kids with incomes above the Poverty Guidelines
  • Pregnant women can also receive prenatal and postpartum information, education, and services through Early Head Start

How to apply: 

Contact your local Head Start or Early Head Start to apply.

Child Care Assistance Program for Families (CCAP)

The CCAP provides financial assistance to low-income families while they are working or attending school. 

Qualifications:

  • Louisiana resident
  • Child/children are U.S. citizens or eligible aliens
  • Parents or legal guardians must:
    • Work at least 20 hours a week OR:
      • Attend school or a training program on a full-time basis 
      • Attend school or a training program for at least 20 hours a week
      • Attend a combination of school and work
      • Are actively seeking work
      • Participate in a transitional living program
      • Receive disability income
      • Are experiencing homelessness
  • Within income limits — $4,866 for a family of three

How to get help:

More child care help

Education help for single moms in Louisiana

If you’re a single mom who wants to further her education, here are some helpful resources: 

Louisiana High School Equivalency Test (HiSET)

The HiSET is a five-part test that helps you earn a state-issued high school equivalency credential. 

Costs:

  • State administration fee: $10.00
  • Paper-Based test fee: $15.00
  • Computer-based fee: $10.75
  • Test center fee: $6.00
  • Test-at-home fee: $17.50

Qualifications:

  • You do not have to be a Louisiana resident
  • Students who are 16 to 18 years of age can take the test if you provide the following:
    • Enrollment in or authorization by an approved WorkReady U literacy program
    • Enrollment in state-recognized LA Options program
    • The HiSET Official Practice Test (OPT) is required 
  • If you are at least 19 years old you can take the exam without any other documentation
  • All applicants must present state/government issued identification

How to get help:

Grants and scholarships in Louisiana

The Louisiana Office of Student Financial Assistance (LOSFA) contains information on all scholarships and grants. There are no application fees when applying for scholarships or grants with LOSFA. 

Qualifications:

Each scholarship has its own list of qualifications. Visit the individual site for further review. 

How to get help:

Louisiana Believes Scholarship Program

The Louisiana Scholarship Program (LSP) is designed to provide additional financial support to lower-income families. 

Qualifications:

  • Louisiana resident
  • Family income must not exceed 250% of the FPL
  • Children must be entering kindergarten or enrolled in public school with a C, D, F, or T letter grade

How to get help:

Public Service Loan Forgiveness Programs

There are certain programs that forgive some or all of your federal student loans if you choose a career in government, military, education, or other public services. Visit the ECMC website for more information about each program and to see if you qualify. 

More education help: 

Employment help for single moms in Louisiana

Workforce programs in Louisiana provide training and assist with employment:

Unemployment Insurance/HiRE

This program provides temporary unemployment compensation to eligible Louisiana workers who are out of work through no fault of their own.

Helping Individuals Reach Employment (HiRE) also helps you search for job openings, post a resume online, find career guidance, search for training/education programs, find local employers, or file for unemployment. 

Qualifications: 

  • Louisiana resident
  • Unemployed through no fault of your own
  • Previously employed for the first four quarters of the last five calendar quarters
  • Able to work, available to work, actively seeking work 

How to get help: 

American Job Centers

American Job Centers offer employment and training services, career counseling, and job search assistance. 

How to get help: 

More employment help: 

Charity organizations in Louisiana

There are a number of charitable organizations throughout Louisiana that offer support to single moms:

The Salvation Army of Louisiana

The Salvation Army wears many hats. Chapters assist with:

  • Food, shelter and clothing
  • Medication costs
  • Education and job training
  • Christmas presents
  • Rent and utility bills
  • Substance abuse rehabilitation
  • Youth services
  • Emergency disaster response

Qualifications: 

Each Salvation Army branch determines its own eligibility criteria for different programs.

How to get help: 

VIsit Louisiana's branch to find out more information. 

Catholic Charities of Louisiana

Catholic Charities assist with:

  • Housing
  • Utility assistance
  • Food assistance
  • Health care assistance

Qualifications: 

Each Catholic Charities branch determines its own eligibility criteria for different programs. 

How to get help: 

United Way of Louisiana

The United Way of Louisiana connects people in need with local resources like: 

  • Food
  • Shelter
  • Child care services
  • Housing
  • Health care
  • Support groups

How to get help: 

More charities for single moms: 

Learn about more nonprofit programs and other charities in Louisiana.

SOURCES

  1. “The Long-Term Impacts of Cash Assistance to Families,” by Kevin Werner, The Urban Institute, Jan. 31, 2024 https://www.urban.org/research/publication/the-long-term-impacts-of-cash-assistance-to-families




Not your state? Select yours here:

If you’re a single mom in Maryland struggling to make ends meet, keep reading for resources that help with: 

Statistically, families benefit most with cash assistance (vs through benefits programs).1 Here is our guide to single mom grant programs, including our own.

Every month, I give out $500 cash to one single mom struggling with money, health, stress, child care, illness or loneliness — no strings attached. 

Qualifications are simple:

1. You're a single mom.

2. You need the money right now.

Fill out this form to apply:

(Note that the figures and information in this post are current as of publication date.)

Number of people in family/householdAnnual income
1$15,960
2$21,640
3$27,320
4$33,000
5$38,680
6$44,360
7$50,040
8$55,720

For families/households with more than 8 people, add $5,680 for each additional person.each additional person.

You can also look up your area median income (AMI) here.

Want to buy a home in 2026? See what mortgage you qualify for.

Emergency cash for low-income families in Maryland

If you need cash to pay bills, buy gas, feed your family, or for any other reason, these resources can help:

Emergency Assistance to Families with Children

Emergency Assistance to Families with Children (EAFC) provides cash assistance to families dealing with: 

  • Eviction notices
  • Mortgage foreclosures
  • Gas and electric turn-off notices
  • Delinquent water bills 

Families must agree to use their available income, contributions, and other resources like bank accounts to help resolve the emergency.

Qualifications:

  • Must have one or more children under 21 in the household 
  • Present proof of an emergency that was not caused by a family member quitting a job
  • Present eviction notice from utility company that services have been or will be cut off or other proof of an emergency

How to get help:

You must apply in person at your local Department and Human Services office. 

Temporary Cash Assistance in Maryland

TCA — Maryland’s Temporary Assistance for Needy Families (TANF) program — provides cash assistance for qualifying families with children or to relatives who have court-ordered custody of a child placed in their home. 

The amount paid out varies depending on household income and family size. For example, a family of three can receive a maximum benefit of $624/month. Cash assistance is available for a lifetime total of 48 months for adults.

Qualifications:

  • Must be a U.S. citizen or a qualified non-citizen
  • Permanent Maryland resident
  • Have children under 18 or under 19 if still enrolled in high school
  • Children and mother must have social security number
  • Cooperate with child support 
  • Participate in work activities
  • Meet financial requirements — $624/month for a family of three

How to get help:

More emergency cash help in Maryland: 

Single moms in Maryland can visit 211.org or dial 2-1-1 to ask for assistance.

Check out these posts for more ways to get emergency cash: 

These are some more tips for getting cash quickly: 

Housing help for single moms in Maryland

If you need help finding a place to live or paying your rent/mortgage, these programs can help: 

Rental assistance in Maryland

There are multiple programs in Maryland to help renters find housing and pay their rent:

Emergency Rental Assistance Program 

The Maryland Department of Housing and Community Development helps low-income renters who were affected by COVID-19 pay their rent. 

They also offer a number of affordable housing options. 

Qualifications:

Local jurisdictions determine eligibility. 

How to get help: 

Public Housing and Housing Choice Vouchers (Section 8)

The U.S. Department of Housing and Urban Development (HUD) offers affordable housing and vouchers to help low-income households pay their rent.

Qualifications:

Vouchers and housing are based on household income and family size. You can find your county’s income limits on the HUD website. 

How to get help: 

Mortgage assistance in Maryland

If you need help buying a home or paying a mortgage in Maryland, these programs can help: 

Maryland Homeowner Assistance Fund

The Maryland Homeowner Assistance Fund helps homeowners who are struggling to pay their mortgage or other housing costs after COVID-19. 

There are two types of assistance available: 

  • Maryland Homeowner Assistance Fund Grant (HAF Grant)
    • Maximum assistance of $20,000 to help residents avoid imminent displacement due to property tax delinquency, homeowner or condominium association fee delinquency, mortgage delinquency, and more 
  • Maryland Homeowner Assistance Fund Loan (HAF Loan)
    • Offers one-time payment of a delinquent mortgage amount, OR 
    • Additional funds to reduce monthly payments to an affordable level for the homeowner, ideally less than 50% of the household gross monthly income
    • Provides a maximum loan of $40,000 with 0% interest rate
    • Payment is due in full when the first mortgage ends, though the department may offer payment plans or allow full or partial forgiveness depending on the homeowner’s equity in the property
    • Loan requires a recorded lien on the property 

Qualifications:

  • Maryland resident 
  • Eligible COVID-19 financial hardship after January 21, 2020
  • 90 days in arrears 
  • Household income must not exceed limits

How to get help: 

Maryland Mortgage Program

The Department of Housing and Community Development's Maryland Mortgage Program offers several down payment assistance programs: 

​​1st Time Advantage

  • $6,000 loan for down payment and closing costs
  • Fixed year interest rate as low as 0%

Maryland Mortgage Program Flex 

  • Flex Direct offers no down payment assistance but the most competitive interest rates for repeat homebuyers
  • Flex 5000 offers a $5,000 loan for down payment and closing costs with 0% interest, and no payments are due for the life of the first mortgage
  • Flex 3% offers a loan equal to 3% of the first mortgage with 0% interest

Partner Match 

Partner Match helps homeowners find organizations that can help with down payment and closing cost assistance. 

Qualifications for all three programs: 

  • Must meet income and purchase price limits 
  • First time homebuyer or must not have owned residential property for three years (does not apply for homebuyers purchasing in Targeted Areas)
  • Home must be in Maryland 
  • Home must be primary residence 
  • Lenders may have additional requirements 

How to get help: 

Check today's mortgage loan rates >>





Homeless assistance in Maryland 

The main goal of the Bureau of Homeless Services is to prevent Maryland residents from becoming homeless — or from having to return to homelessness. The office oversees services including:

  • Emergency shelters
  • Transitional housing
  • Permanent housing
  • Counseling to acquire the necessary life skills to maintain permanent housing

The Department of Human Services also offers a Homeless Prevention Program (HPP) to assist families facing a housing crisis. Funding is available for small one-time crisis grants to keep those facing eviction.

Qualifications: 

Requirements are set by individual Continuums of Care agencies. 

How to get help: 

More housing help: 

Utility bill assistance in Maryland

If you are struggling to pay your utility bills in Maryland, check out the following programs:

Fuel Fund of Maryland

The Fuel Fund of Maryland helps Marylanders who cannot pay their energy bills in full, even with help from the Maryland Office of Home Energy Programs. The nonprofit provides a one-time energy assistance payment for low-income Maryland households with past due accounts.

Recipients pay a portion of the outstanding bill and the Fuel Fund provides the funds required for a zero balance. This financial help is available once every 365 days. 

Qualifications:

  • Maryland resident
  • Your energy service is cut off
  • Completed a state energy assistance application by July 1, 2021
  • BGE or bulk fuel customer in BGE service area
  • You have not received help from the Fuel Fund in 365 days
  • If you are a bulk fuel customer, you are almost out of fuel, it is between November and March, and you meet income requirements

How to get help:

Office of Home Energy Programs in Maryland

Maryland’s Office of Home Energy Programs helps low-income residents pay their utility bills to prevent shut offs through several programs: 

  • The Maryland Energy Assistance Program (MEAP) helps qualifying households with home heating and cooling costs. 
  • The Electric Universal Service Program (EUSP) provides cash assistance with electric bills. Eligible customers receive help that pays a portion of their current electric bills. 
  • The Utility Service Protection Program (USPP) is designed to protect low-income families from utility turn-offs during the heating season. All MEAP eligible customers may participate in USPP. 
  • The Low Income Household Water Assistance Program (LIHWAP) is a water assistance program  to help families pay their water bills. LIHWAP will assist Maryland families who are behind on their drinking water and wastewater bills focusing on accounts that are 30 days or more past due.

You can find more utility and energy bill assistance programs in Maryland here. 

Qualifications:       

How to get help:

Weatherization Assistance Program (WAP)

WAP helps low-income families lower their monthly energy bills by making their homes more energy efficient. Types of assistance include:

  • Installing carbon monoxide detectors
  • Removing mold
  • Replacing inefficient or unsafe heating units 
  • Insulating a single family home for energy efficiency

Qualifications:

  • U.S citizen or qualified non-citizen 
  • Maryland resident 
  • Meet annual household income guidelines
  • Automatically eligible if you are receiving SSI, TANF or Aid to Families with Dependent Children benefits

How to get help:

Applications are not available online, so you have to visit your county’s Weatherization provider.

More electric bill help: 

Free money to help pay bills

Medical insurance and dental help for single moms in Maryland

The following medical and dental services are available to qualifying individuals and families:         

Health Resources & Services Administration (HRSA) in Maryland

HRSA, an agency of the United States Department of Health and Human Services, funds health centers that provide free or subsidized health and dental care to low-income people and those otherwise unable to access quality health care, like people living in rural areas.

HRSA also offers a 24/7 free and confidential mental health hotline for pregnant and new moms. Dial 833-943-5746 (833-9-HELP4MOMS) if you are struggling.

Qualifications: 

Each health center sets its own eligibility criteria for free or reduced cost care. 

How to get help:

Find an HRSA health center in Maryland by typing in your address on HRSA’s search tool.

Maryland Medicaid

Medicaid provides medical coverage for low-income individuals and families. In Maryland, most Medicaid recipients are enrolled in the Statewide Medicaid Managed Care program, which includes:

  • Managed Medical Assistance (MMA): Covers medical services like doctor visits, hospital care, prescription drugs, mental health care, and transportation for medical needs
  • Long-term Care (LTC): Covers care in a nursing facility, assisted living, or at home (must be at least 18 years old and require nursing home-level care or hospital-level care if you have cystic fibrosis)
  • Dental: Covers all dental services for children and adults

Qualifications:

  • Maryland resident 
  • U.S. citizen or qualified non-citizen 
  • Must provide a social security number for all applicants 
  • Income limits vary for different groups of individuals and household sizes:

How to get help:

Maryland Children’s Health Program  

The Maryland Children’s Health Program (MCHP) offers free or low-cost health coverage to uninsured children under the age of 19 whose household incomes are too high to qualify for Medicaid.

Uninsured children in higher income households may qualify for MCHP Premium, which 

requires a monthly fee per family of either $61 or $76 depending on your household income.

MCHP provides health and dental services with a choice of local doctors, dentists, hospitals, and pharmacies. Benefits include:

  • Doctor visits
  • Surgeries
  • Vaccines
  • Vision and hearing 
  • Hospital stays

You can find a full list of benefits here. 

Qualifications: 

  • Maryland resident 

How to get help: 

Maryland Maternal and Child Health Bureau 

The Maternal and Child Health Bureau (MCHB) offers: 

  • Prenatal care and parenting help
  • Family planning and reproductive health 
  • Stress management
  • Home visits 
  • Local resources and assistance

Qualifications: 

Each program sets its own eligibility requirements. 

How to get help: 

More medical/dental help: 

Food help for low-income families in Maryland

A number of federal and state food and nutrition programs are available across the state:

Maryland Supplemental Nutrition Assistance Program (SNAP)

USDA’s Supplemental Nutrition Assistance Program (formerly known as the Food Stamp program) provides food benefits and nutrition education to low-income households. 

SNAP recipients are issued an EBT card that can be used like an ATM card in retail food stores to purchase food, including:

  • Breads
  • Cereals
  • Fruits
  • Vegetables
  • Meats
  • Fish
  • Poultry
  • Dairy
  • Plants and seeds to grow food 

Qualifications:

  • Maryland resident
  • Must provide a social security number for all applicants 
  • Able-bodied adults between 16 and 60 years of age must register for work, accept an offer of suitable work, and take part in an employment and training program when referred to one by the local department of social services
  • Meet income requirements

How to get help: 

Women, Infants, and Children (WIC)

The Special Supplemental Nutrition Program for Women, Infants, and Children is a nutrition program that provides free baby formula and nutritional food items to low-income mothers and their babies. 

Qualifications:

  • Low-income, pregnant, breastfeeding, and postpartum women, for up to one year postpartum
  • Women up to six months postpartum who are not breastfeeding
  • Infants and children under 5 years old, including foster children
  • Low-income sole provider parents of children under age of 5 who are at nutritional risk and who are below 185% of FPL
  • If you are currently receiving Medicaid, Temporary Assistance, or Food Assistance help, you are also eligible for WIC

How to get help: 

Call your local WIC office or 877-463-3464 and say you want to apply for WIC. 

National School Lunch Program (NSLP) and School Breakfast Program

NSLP serves healthy, well-balanced, reduced-price or free meals to children in school. 

An extension of the NSLP, the School Breakfast Program provides free or low-cost breakfast to eligible students. Schools with at least 80% of the students eligible for free or reduced-price meals must provide breakfast at no cost to all students. 

Qualifications: 

Household income must fall at or below the limits of the federal income eligibility guidelines.

How to get help: 

Apply online or contact your child’s school to enroll. 

Maryland’s Summer Food Service Program

The Maryland Department of Education serves nutritious meals at no cost to children during summer break. Food is distributed at local schools, nonprofits, parks, and libraries. 

Qualifications: 

These are the current income and eligibility guidelines for the Summer Food Service Program: 

How to get help: 

Find a location near you at the USDA Summer Food Service Program website.

Maryland food banks


Food banks in Maryland provide meals for individuals and families who are struggling to put food on the table. 

Qualifications: 

Each food bank sets its own eligibility and proof of need requirements. 

How to get help: 

To find a food bank near you and for additional information, visit the Maryland Food Bank website.

More food help: 

Child care help for low-income families in Maryland

There are multiple federally funded education programs and resources in Maryland:

Jeremiah Program

Jeremiah Program operates in several states including out of Baltimore to offer grants and other support to low-income single mothers committed to earning a college degree.

Maryland Child Care Scholarship (CCS)

The Maryland CCS (formerly known as the Child Care Subsidy) provides funds to help pay for child care in working families with low-to-moderate income. You must use a child care provider in the Maryland EXCELS program. 

There are two types of scholarship:

  • Formal: Helps pay for care at registered Maryland family home or a state-licensed child care provider
  • Informal: Helps pay for child care from a relative at the child’s home or at the relative’s home or for a non-relative in the child’s home

The scholarship is valid for one year from the date of issue. 

Qualifications:

  • Maryland resident with a valid photo I.D. and able to provide identification proof for all household members
  • Employed, in an approved training program, or going to school
  • A family with children younger than 13 years old (younger than 19 with a disability)
  • Meet income guidelines or receives Temporary Cash Assistance (TCA) or Supplemental Security Income (SSI) benefits
  • You can show proof of your child’s immunization or you have a plan to get immunizations that meet Maryland requirements
  • If raising children in a single-parent home, must have or pursue child support or have good cause for not doing so
  • Children must be U.S. citizens or qualified non-citizens (U.S. citizenship is not required for parents)

Families have a co-payment and the amount decreases when you have multiple children using the CCS benefit. Families with TCA and SSI benefits do not have a co-payment.

How to get help:

  • Call 877-227-0125
  • Email CCSCentral2@maryland.gov

Maryland Head Start and Early Head Start

Head Start is a free federal preschool program for children aged 3 to 5 from low-income families. Early Head Start serves pregnant women and children under age 3. The programs focus on cognitive, social, and emotional development and prepare children for school.

Qualifications: 

  • Children from birth to 5 
  • Meet federal poverty guidelines 
  • Children in foster care, homeless children, and children from families receiving public assistance (TANF, SSI, etc.) are eligible regardless of income
  • Some programs accept kids with incomes above the Poverty Guidelines
  • Pregnant women can also receive prenatal and postpartum information, education, and services through Early Head Start

How to apply: 

More child care help

Education help for single moms in Maryland

If you’re a single mom who wants to further her education, here are some helpful resources: 

Get a GED in Maryland

If you are at least 19 years old in Maryland, you can take the GED test. All applicants under age 19 must provide proof of official school withdrawal or verification of home instruction. 

The GED test is broken into four exams on different subjects, which can be spaced out and taken at your own pace (though each individual exam has a time limit): 

  • Mathematical reasoning – 115 minutes
  • Reasoning through language arts – 150 minutes
  • Social studies – 70 minutes
  • Science – 90 minutes

You have two options for taking the test in Maryland: 

  • Online at-home test – $17.25 per subject
  • In person at a test center – $11.25 per subject

Grants and scholarships in Maryland

The Office of Student Financial Assistance (OSFA) connects students and prospective students with grants and scholarships available in Maryland. To find out which scholarships and grants you may be eligible for, create a student profile on the OSFA website. 

Individual schools also offer need-based and academic scholarships for their students. If you’ve been accepted to a higher education institution, contact their office of financial aid to learn how to apply. 

More education help: 

Employment help for single moms in Maryland

Workforce programs in Maryland provide training and assist with employment:

Maryland Reemployment Assistance (Insurance) Program

This program provides unemployment compensation to eligible Maryland workers who are out of work through no fault of their own.

Qualifications: 

  • Maryland resident 
  • Unemployed
  • Previously employed for the past 12 months
  • Earned a certain amount of wages
  • Actively looking for another job

How to get help: 

American Job Centers

American Job Centers offer employment and training services, career counseling, and job search assistance. 

How to get help: 

More employment help: 

Maryland Legal Aid

Maryland Legal Aid provides free legal help for civil issues such as matters of child custody, housing, and consumer law to low-income residents in Maryland.

Qualifications:

  • U.S. citizen, permanent resident, or qualified non-citizen
  • Must meet income and asset guidelines for your household based on the federal poverty guidelines
  • Needs legal help for a civil matter

How to get help:

Charity organizations in Maryland

There are a number of charitable organizations throughout Maryland that offer support to single moms:

The Salvation Army of Maryland

The Salvation Army wears many hats. Chapters assist with:

  • Food, shelter and clothing
  • Medication costs
  • Education and job training
  • Christmas presents
  • Rent and utility bills
  • Substance abuse rehabilitation
  • Youth services
  • Emergency disaster response

Qualifications: 

Each Salvation Army branch determines its own eligibility criteria for different programs. 

How to get help: 

Visit the Salvation Army website to find your local chapter. 

Catholic Charities of Maryland

Catholic Charities offers 80 programs to assist those in need. Services include:

  • Housing
  • Utility assistance
  • Food assistance
  • Health care assistance

Qualifications: 

Each Catholic Charities program determines its own eligibility criteria for different programs. 

How to get help: 

United Way of Maryland

The United Way of Maryland connects people in need with local resources like: 

  • Food
  • Shelter
  • Child care services
  • Housing
  • Health care
  • Support groups

How to get help: 

SOURCES

  1. “The Long-Term Impacts of Cash Assistance to Families,” by Kevin Werner, The Urban Institute, Jan. 31, 2024 https://www.urban.org/research/publication/the-long-term-impacts-of-cash-assistance-to-families




Not your state? Select yours here:

If you’re a single mom in Massachusetts struggling to make ends meet, keep reading for resources that help with: 

Statistically, families benefit most with cash assistance (vs through benefits programs).1 Here is our guide to single mom grant programs, including our own.

Every month, I give out $500 cash to one single mom struggling with money, health, stress, child care, illness or loneliness — no strings attached. 

Qualifications are simple:

1. You're a single mom.

2. You need the money right now.

Fill out this form to apply:

(Note that the figures and information in this post are current as of publication date.)

Many of the programs on this list determine eligibility as a percentage of the federal poverty level (FPL). These are the 2023 federal poverty guidelines: 

Number of people in family/householdAnnual income
1$14,580
2$19,720
3$24,860
4$30,000
5$35,140
6$40,280
7$45,420
8$50,560

* For families/households with more than 8 people, add $5,140 for each additional person.

You can also look up your area median income (AMI) here.

Emergency cash for low-income families in Massachusetts

If you need cash to pay bills, buy gas, feed your family, or for any other reason, these resources can help:

Transitional Aid to Families with Dependent Children (TAFDC)

TAFDC pays money to families to help them with necessities like food and shelter. Monthly payments are slightly lower for families who have a public housing subsidy, like Section 8. 

For instance, a three-person family living in public or subsidized housing can get up to $783 a month. The same family in private housing can get up to $823 per month. Find maximum benefit amounts for your household size on the TAFDC website.

TAFDC also gives eligible families: 

  • Referrals for free child care while attending school or going to work
  • One-time payments toward infant care
  • One-time clothing payments for children
  • Money for transportation to school and work

TAFDC reevaluates eligibility every year, but families must also notify the program of any income or household changes. A family can receive TAFDC for up to 24 months in a 5-year period.

Qualifications:

  • U.S. citizen
  • Massachusetts resident
  • Have children 18 or younger or be a caretaker for a related child
  • Adhere to TAFDC Work Rules to find and maintain employment
  • Meet income limits, which are typically at or below 200% of FPL — $3,838 for a family of three

How to get help:

More emergency cash help in Massachusetts: 

Single moms in Massachusetts can visit 211.org or dial 2-1-1 to ask for assistance.

Check out these posts for more ways to get emergency cash: 

These are some more tips for getting cash quickly: 

Housing help for single moms in Massachusetts

If you need help finding a place to live or paying your rent/mortgage, these programs can help: 

Rental assistance in Massachusetts

There are multiple programs in Massachusetts to help renters find housing and pay their rent:

Massachusetts Rental Voucher Program (MRVP)

MVRP gives very low income people and families in Massachusetts vouchers to help pay their rent. The program is available for:

  • Tenant-based housing (eligible housing that the family already lives in)
  • Project-based subsidized housing (specific subsidized housing units)

People receiving tenant-based housing can get varied amounts based on their location, income, and household size. Project-based applicants must pay 35% or 40% of their adjusted gross income, while MRVP covers the rest of their rent.

Qualifications:

  • Massachusetts resident
  • Have income at or below 80% of AMI

How to get help: 

Contact your nearest Local Housing Authority

Residential Assistance for Families in Transition (RAFT) 

RAFT gives eligible families up to $10,000 to pay rent and other housing costs when they face eviction. The money can be used to move into a new home, pay overdue rent, or pay utilities.

Qualifications:

  • Massachusetts resident
  • Income at or below 50% of AMI or at or below 60% if at risk of homelessness or domestic violence
  • Have a utility shutoff notice, eviction notice, or other proof of a housing emergency

How to get help: 

Apply online through the Massachusetts Emergency Housing Payment Assistance Portal.

Section 8 Housing Choice Voucher Program (HCVP) in Massachusetts

Section 8 is a federal program that gives money to states to help people afford housing. Massachusetts single moms can get Section 8 vouchers for participating rental homes or apartments. View the maximum rent amounts for specific areas of Massachusetts. 

Qualifications:

Families must meet income requirements for their area based on their household size.

How to get help: 

Contact your nearest local housing authority.

Mortgage assistance in Massachusetts

If you need help buying a home in Massachusetts, these programs can help: 

Homeowner Assistance Fund (HAF) in Massachusetts

HAF gives eligible homeowners up to $50,000 to pay past-due mortgage payments and other housing-related costs. 

Qualifications:

  • Massachusetts homeowner
  • Income at or below 150% of the AMI
  • Experienced a financial hardship due to the COVID-19 pandemic
  • Use the home as the primary residence

How to get help: 

Apply online through the Massachusetts Homeowner Assistance Fund website.

MassHousing

MassHousing helps homebuyers get affordable financing for their homes. Eligible homebuyers can get up to $50,000 in down payment assistance and special mortgages with low interest rates. 

The organization also offers mortgage insurance that pays a homebuyer’s mortgage for up to six months if they lose their job. 

Qualifications:

  • Own or in the process of buying a single-family home in Massachusetts
  • Use the home as your primary residence
  • Income less than $179,955 per year      
  • If getting a mortgage, meet specific mortgage requirements for underwriting

How to get help: 

Contact a MassHousing lender.

Check today's mortgage loan rates >>





Homeless assistance in Massachusetts

Emergency Shelter in Massachusetts

Emergency shelters in Massachusetts are available for families needing immediate housing.

Qualifications:

  • Massachusetts resident
  • Have children under age 21 or be pregnant
  • At risk of homelessness
  • Meet income guidelines (varies by shelter)

How to get help: 

  • Call 866-584-0653
  • Visit a regional office that connects families with emergency shelters

HomeBASE

HomeBASE gives families in emergency shelters financial assistance and support to pay for housing and related costs, like furniture and utilities. Each family gets specific help for their situation. 

How to get help: 

Call 866-584-0653 to learn how you can get assistance.

Continuum of Care in Massachusetts

CoC helps people avoid homelessness through rapid rehousing programs and by connecting them with permanent, affordable housing. 

How to get help: 

Call 617-573-1100.

More housing help: 

Electric bill assistance in Massachusetts

If you are struggling to pay your utility bills in Massachusetts, check out the following programs:

Low-Income Home Energy Assistance Program (LIHEAP) in Massachusetts

LIHEAP pays a portion of eligible households’ heating costs with direct payments to their energy provider. It also pays for deliverable fuel. 

People in subsidized housing can get up to $1,540 in deliverable fuel or up to $980 in heating costs. Those in unsubsidized housing can receive up to $2,200 in deliverable fuel or up to $1,400 in heating payments. View the maximum benefits for your household.

Applications open in October annually.

Qualifications:       

  • Massachusetts resident
  • Income at or less than 60% of the state median income — $68,511 for a family of three
  • Own or rent a home; renters can get payments even if heat is included in their rent

How to get help:

  • Apply online through the LIHEAP portal
  • Use the LIHEAP portal to find a local agency to apply in person
  • Call 800-632-8175

Weatherization Assistance Program (WAP) in Massachusetts

WAP helps low-income households get important repairs and upgrades to their homes that can lower energy costs. The program pays an average of $4,725 per family for covered services, which include:

  • Insulation
  • Energy-related repairs
  • Air sealing
  • Duct or pipe insulation
  • Efficiency evaluations

Applications open in October each year.

Qualifications:

  • Massachusetts resident
  • Income at or below 60% of the Massachusetts estimated median income
  • Homeowner or tenant with a landlord’s permission

How to get help:

More electric bill help: 

Free money to help pay bills

Medical insurance and dental help for single moms in Massachusetts

Single moms and their children can get health and dental insurance and assistance through the following programs.

Dental Lifeline in Massachusetts

People in Massachusetts who need medically necessary dental care may qualify for Dental Lifeline. The program partners with community dental clinics willing to offer free dental services to low-income people who can’t afford dental care.

How to get help: 

Massachusetts Free and Affordable Dental Clinics

Single moms can find free and affordable dental clinics for themselves and their children through the Massachusetts Dental Society. 

Qualifications: 

Each dental clinic sets its own rules and qualifications for patients.

How to get help: 

Contact a participating dental clinic in Massachusetts.

MassHealth

MassHealth is a combination of Massachusetts’ Medicaid program and the Children's Health Insurance Program (CHIP), which provide coverage for doctors visits, prescription drugs, hospital stays, and other essential medical services.

Qualifications:

  • Massachusetts resident
  • U.S. citizen or qualified alien
  • Meet income guidelines, as described below:

Depending on the program, recipients can have income up to 400% of the FPL. CHIP covers children in families with income up to 300% of the poverty level. 

You can find more information about MassHealth income limits in this table.

How to get help:

Health Safety Net

This program pays acute care costs for low-income and underinsured families at participating community health centers. 

HSN becomes the second payer for people enrolled in MassHealth programs or those who have private insurance. However, uninsured and underinsured people can have HSN as their primary payer. 

Qualifications: 

  • Massachusetts resident
  • Income at or below 300% of FPL

Note: People with income up to 150% of the FPL can get free HSN coverage. People with higher incomes up to 300% of the poverty level can still qualify but will pay a deductible and prescription drug copayments up to $250 yearly. Deductible amounts equal the difference between 40% of the lowest adjusted gross income in the household and 200% of the FPL.

How to get help: 

  • Email hsnhelpdesk@state.ma.us
  • Call 877-910-2100

More medical/dental help: 

Food help for low-income families in Massachusetts

A number of federal and state food and nutrition programs are available across the state:

Massachusetts Food Assistance Program (SNAP)

SNAP benefits help Massachusetts families pay for food. A family of three can get up to $740 per month, depending on their income. Other monthly income limits and benefit amounts can be found on the Massachusetts SNAP website. 

Massachusetts also offers $40-$80 per month in incentives to eligible families who buy local produce. SNAP also connects adults to work programs and free nutrition classes and programs. 

Qualifications:

  • Be a Massachusetts resident
  • Income limits, as defined in the linked table above

How to get help: 

Women, Infants, and Children (WIC) in Massachusetts

WIC in Massachusetts gives pregnant women, moms, and their children money to buy healthy food and formula. The program also offers breastfeeding support, nutrition education, and connections to community programs.

Eligible WIC families can also qualify for discounts on internet, heating, and family activities.

Qualifications:

  • Low-income, pregnant, breastfeeding, and postpartum women, for up to one year postpartum
  • Women up to six months postpartum who are not breastfeeding
  • Infants and children under 5 years old, including foster children
  • Low-income sole provider parents of children under age of 5 who are at nutritional risk and who are below 185% of FPL
  • If you are currently receiving Medicaid, Temporary Assistance, or Food Assistance help, you are also eligible for WIC

How to get help: 

FoodSource Hotline

The FoodSource Hotline from Project Bread helps Massachusetts residents get food for their families. The program connects you to programs like SNAP or WIC and helps you find food pantries and other resources that can help.

How to get help: 

  • Call or text 800-645-8333
  • Use the live chat feature on the website

Free School Breakfast and Lunch in Massachusetts

School breakfasts and lunches are free for all school students during the 2022-2023 school year. However, this is not a permanent program.

In past years, Massachusetts has participated in the federal National School Lunch Program and School Breakfast programs, which provide free or reduced-price meals to eligible school children. Contact your school for more information.

Summer Food Service Program (SFSP) in Massachusetts

This program pays for meals for students in needy communities throughout the summer.

Qualifications: 

  • Communities qualify if they have 50% or more of their students getting free or reduced-price meals
  • Children and teens must be 18 or younger

How to get help: 

  • Contact your child’s school for more information
  • Search for a local distribution site on Project Bread

More food help: 

Child care help for low-income families in Massachusetts

Massachusetts has several programs to help single moms pay for child care and education programs for their children:

Child Care Financial Assistance in Massachusetts

This program pays some or all of a family’s child care costs while parents or caretakers work, look for work, or attend school or training. Some parents may need to pay a fee for assistance depending on their income. You can calculate your estimated fee using this online calculator.

Qualifications: 

  • Parents or caretakers must be participating in education or work activities
  • Income at or below 50% of the state median income, OR 
  • Income at or below 85% of the state median income if you have a child with special needs

How to apply: 

Massachusetts Head Start and Early Head Start

Head Start and Early Head Start help children from ages 0-5 access early education programs and resources. Early Head Start is for children up to age 3, while Head Start has programs for 3-5 year olds. 

Qualifications: 

  • Families must have a child aged 0-5
  • Most families have income at or below 130% of FPL

How to apply: 

  • Find a Head Start program in your area
  • Email the Head Start State Collaboration Office Director at amy.whitehead-pleaux@mass.gov 
  • Call the Massachusetts Head Start Association at 413-270-0809 or email mhaimowitz@massheadstart.org 

More child care help

Education help for single moms in Massachusetts

If you’re a single mom who wants to further her education in Massachusetts, here are some helpful resources: 

High School Equivalency in Massachusetts

Massachusetts offers two credentials equivalent to a high school diploma if you didn’t graduate from high school — the GED and the HiSET.

  • GED: Covers language arts, mathematical reasoning, science, and social studies. Test-takers pay nothing for the first test and up to two retests, then $36.25 per test thereafter.
  • HiSET: Covers reading, writing, math, science, and social studies. Massachusetts pays for the first test and the first two retests for each subject, then $19.75 for a computer test at a testing center, $24 for a paper test at a testing center, or $27.25 for an online at-home test.

How to get help:

Grants and scholarships in Massachusetts

Massachusetts offers several grants, scholarships, and loans for single moms to pay for college:

  • Grants: Grants do not have to be paid back. The MASSGrant and MASSGrant Plus programs are popular grants for undergraduates that pay tuition amounts leftover after financial aid and the student’s expected contribution.
  • Scholarships: Several scholarship funds in Massachusetts help students pay for college. The One Family Scholarship is one that could be useful for single moms, as it helps heads of households with low incomes pay for school. Jeremiah Program provies grants and other support to low-income single mothers committed to earning a college degree.
  • Tuition waivers: Tuition waivers let schools waive some or all of a student’s tuition costs. For example, the Need-Based Tuition Waiver Program waives some or all tuition fees for financially needy students.
  • Loans: The Massachusetts No Interest Loan Program gives low-income students a 10-year loan for their education. Although the loan needs to be paid back, it has no interest.

How to get help:

Visit the official website of the Commonwealth of Massachusetts to learn how to apply to each program.

More education help: 

Employment help for single moms in Massachusetts

Workforce programs in Massachusetts provide training and assist with employment:

Massachusetts Unemployment Benefits

Single moms in Massachusetts who lose their jobs or get laid off may qualify for unemployment benefits. Massachusetts pays benefits each week you’re eligible and submit a claim. 

Qualifications: 

  • Live in Massachusetts
  • Unemployed, laid off, or have reduced work hours
  • Complete at least three work search activities each week

How to get help: 

MassHire Department of Career Services

The MassHire Department of Career Services provides job search help and career development resources to people who are unemployed or looking for better work. 

How to get help: 

  • Call 617-626-5300
  • Email DCSFeedback@MassMail.State.MA.US 

More employment help: 

Charity organizations in Massachusetts

There are a number of charitable organizations throughout Massachusetts that offer support to single moms:

The Salvation Army of Massachusetts

The Salvation Army plays a significant role in homelessness prevention and hunger relief across Massachusetts, among other programs and initiatives:

  • Financial assistance
  • Emergency shelter
  • Domestic violence support
  • Job training
  • Skill building for life and careers
  • Holiday gifts
  • After-school programs and activities
  • Food donations

Qualifications: 

Each Salvation Army location in Massachusetts determines eligibility for each of its services and programs. 

How to get help: 

Visit the Salvation Army Massachusetts website to find your local chapter. 

United Ways in Massachusetts

Single moms in Massachusetts can seek help from the United Way. The organization provides disaster relief, education support, housing assistance, and other community-based help for those in need. 

How to get help: 

SOURCES

  1. “The Long-Term Impacts of Cash Assistance to Families,” by Kevin Werner, The Urban Institute, Jan. 31, 2024 https://www.urban.org/research/publication/the-long-term-impacts-of-cash-assistance-to-families




Not your state? Select yours here:

If you’re a single mom in Michigan struggling to make ends meet, keep reading for resources that help with: 

Statistically, families benefit most with cash assistance (vs through benefits programs).1 Here is our guide to single mom grant programs, including our own.

Every month, I give out $500 cash to one single mom struggling with money, health, stress, child care, illness or loneliness — no strings attached. 

Qualifications are simple:

1. You're a single mom.

2. You need the money right now.

Fill out this form to apply:

(Note that the figures and information in this post are current as of publication date.)

Number of people in family/householdAnnual income
1$15,960
2$21,640
3$27,320
4$33,000
5$38,680
6$44,360
7$50,040
8$55,720

For families/households with more than 8 people, add $5,680 for each additional person.each additional person.

You can also look up your area median income (AMI) here.

Want to buy a home in 2026? See what mortgage you qualify for.

Emergency cash for low-income families in Michigan

If you need cash to pay bills, buy gas, feed your family, or for any other reason, these resources can help:

Michigan Family Independence Program

The Family Independence Program (FIP) — also known as Temporary Assistance for Needy Families (TANF) — provides temporary cash assistance to families with children to help them pay for living expenses such as rent, heat, utilities, clothing, food and other items.

These are the benefit amounts per family size: 

Household sizeBenefit Amount
1$306
2$403
3$492
4$597
5$694
6$828
7$905

*Add $80 for each additional person

FIP recipients may also be assigned to the Partnership. Accountability. Training. Hope. (PATH) program to get help finding a job or to get job training. 

Cash assistance is available for a lifetime total of 48 months for adults. Children under the care of a relative may be able to receive assistance for a longer period of time. 

Qualifications:

  • U.S. citizen or a qualified non-citizen
  • Michigan resident
  • Have children under 18 or under 19 if still enrolled in high school
  • Pregnant women in third trimester if unable to work or in 9th month of pregnancy
  • Family must have $15,000 or less in countable liquid assets and the total assessed value of real property must be $200,000 or less
  • Family’s income must be less than the maximum monthly benefit amount for the household size

How to get help:

  • Apply for TANF on the MI Bridges website
  • Call the Michigan’s TANF office at 855-275-6424

More emergency cash help in Michigan: 

Single moms in Michigan can visit 211.org or dial 2-1-1 to ask for assistance.

Check out these posts for more ways to get emergency cash: 

These are some more tips for getting cash quickly: 

Housing help for single moms in Michigan

If you need help finding a place to live or paying your rent/mortgage, these programs can help: 

Public Housing and Housing Choice Vouchers (Section 8)

The U.S. Department of Housing and Urban Development (HUD) offers affordable housing and vouchers to help low-income households pay their rent.

Qualifications:

Vouchers and housing are based on household income and family size. You can find your county’s income limits on the HUD website. 

How to get help: 

  • Apply for Section 8  
  • Contact your local public housing agency and ask how to apply for assistance
  • Call 800-955-2232

Mortgage assistance in Michigan 

If you need help buying a home in Michigan, these programs can help: 

Michigan Homeowner Assistance Fund (MIHAF)

Established under the American Rescue Plan Act, MIHAF provides relief to Michigan homeowners who have endured financial hardship due to the pandemic. Payouts are up to $25,000 per household.

Qualifications:

  • Household income less than 150% of AMI
  • Own and occupy the property as their primary residence
  • Must have and explain a financial hardship directly related to COVID-19 on or after January 21, 2020

How to get help: 

Michigan Home Loan Program

MI Home Loan is a program that helps first-time homebuyers make their down payment by working with a participating lender.

Qualifications:

  • First-time homebuyer (must not have owned a home in the past three years)
  • Minimum credit score of 640 required or 660 for multiple-section manufactured homes
  • Meet county income limits

How to get help: 

Check today's mortgage loan rates >>





Homeless Assistance in Michigan 

The Michigan Department of Housing and Homeless Services offers many resources to residents experiencing homelessness through the MI Bridges portal. MDHHS works across departments to provide those in need with as many resources as possible, including Medicaid, food services, children’s services, and job training.

How to get help:

Dial 2-1-1 or visit MI Bridges.

More housing help: 

Electric bill assistance in Michigan

If you are struggling to pay your utility bills in Michigan, check out the following programs:

Michigan Energy Assistance Program (MEAP)

MEAP administers energy assistance to help low-income households pay for their utilities and budget for their future energy expenses.

Qualifications: 

  • U.S. citizen or legally admitted immigrant
  • Michigan resident
  • Meet income guidelines — $37,290/year for a family of three

How to get help:

Call 2-1-1 or visit mi211.org to connect with a MEAP provider

Weatherization Assistance Program (WAP)

WAP makes home improvements to help lower qualifying families’ energy bills and promote energy efficiency. Types of assistance include:

  • Weather-stripping, caulking, general air sealing
  • Attic, foundation, wall, or sill box insulation
  • Programmable thermostat installation
  • Furnace or water heater tune-up or replacement
  • Refrigerator replacement
  • Light bulb replacement

How to get help:

Contact your local Weatherization Operator.

More electric bill help: 

Free money to help pay bills

Medical insurance and dental help for single moms in Michigan

The following medical and dental services are available to qualifying individuals and families:        

Michigan Dental Association Foundation (MDAF)

The charitable branch of the Michigan Dental Association, MDAF is an organization of licensed professionals who provide free dental services to uninsured veterans, low-income individuals, and elderly Michigan residents. 

Qualifications: 

Each individual clinic sets its own eligibility requirements.

How to get help: 

Search for your nearest clinic on the Smile Michigan website.

Health Resources & Services Administration (HRSA) in Michigan

HRSA, an agency of the United States Department of Health and Human Services, funds health centers that provide free or subsidized health and dental care to low-income people and those otherwise unable to access quality health care, like people living in rural areas.

HRSA also offers a 24/7 free and confidential mental health hotline for pregnant and new moms. Dial 833-943-5746 if you are struggling.

Qualifications: 

Each health center sets its own eligibility criteria for free or reduced cost care. 

How to get help:

Find an HRSA health center in Michigan by typing in your address on HRSA’s search tool.

Michigan Medicaid

Medicaid provides medical coverage for low-income individuals and families. Michigan offers different programs for families, children, individuals and pregnant women.

Qualifications:

  • Michigan resident
  • Meet annual household income requirements — $33,064/year for a family of three

How to get help:

  • Apply for coverage through the MI Bridges portal
  • Call 800-642-3195 with any questions

MIChild

MIChild — part of the national Children's Health Insurance Program (CHIP) — provides health coverage to uninsured children under the age of 19 whose families do not qualify for Medicaid. Qualifying families pay a $10 monthly premium that also covers children for vision, dental, and mental health services.

Qualifications: 

  • Children Under age 19
  • Have no other health insurance
  • Have a Social Security Number
  • Live in Michigan
  • Be a U.S. citizen or qualified immigrant
  • Meet gross income limits — $33,064/year for a family of three

How to get help: 

More medical/dental help: 

Food help for low-income families in Michigan

A number of federal and state food and nutrition programs are available across the state:

Michigan Food Assistance Program (FAP)

FAP is a federally funded program that helps low-income families purchase healthy groceries from Food and Nutrition Service-authorized retail food stores, including:

  • Breads
  • Cereals
  • Fruits
  • Vegetables
  • Meats
  • Fish
  • Poultry
  • Dairy
  • Non-alcoholic beverages
  • Plants and seeds to grow food 

Click here for a list of what you can and cannot buy. 

Qualifications:

  • Michigan resident
  • Current bank balance under $2,000 OR
  • Current bank balance under $3,251 and share a household with one of the following:
    • Person or persons age 60+ 
    • Person with a disability 
  • Meet annual household income requirements — $32,318/year for a family of three

How to get help: 

Apply on the MIBridges portal

Women, Infants, and Children (WIC)

The Special Supplemental Nutrition Program for Women, Infants, and Children is a nutrition program that provides free baby formula and nutritional food items to low-income mothers and their babies. 

Qualifications:

  • Low-income, pregnant, breastfeeding, and postpartum women, for up to one year postpartum
  • Women up to six months postpartum who are not breastfeeding
  • Infants and children under 5 years old, including foster children
  • Low-income sole provider parents of children under age of 5 who are at nutritional risk and who are below 185% of FPL
  • If you are currently receiving Medicaid, Temporary Assistance, or Food Assistance help, you are also eligible for WIC

How to get help: 

  • Find your local WIC clinic
  • Call WIC customer service at 888-678-8914

National School Lunch Program (NSLP) and School Breakfast Program

NSLP serves healthy, well-balanced, reduced-price or free meals to children in school. An extension of the NSLP, the School Breakfast Program provides free or low-cost breakfast to eligible students. 

Qualifications: 

How to get help: 

Contact your child’s school to enroll.

Michigan Summer Food Service Program (SFSP)

SFSP ensures that low-income children have access to healthy meals even when school is out of session. Meet Up and Eat Up Sites such as local schools, libraries, and parks across the state distribute food during the summer months.

Qualifications: 

Children already enrolled in the National School Lunch Program and/or School Breakfast Program are eligible to receive free summer meals. 

How to get help: 

Michigan food banks

Food banks in Michigan provide meals for individuals and families who are struggling to put food on the table. 

Qualifications: 

Each food bank sets its own eligibility and proof of need requirements. 

How to get help: 

Find your local food bank on the Food Bank Council of Michigan’s directory.

More food help: 

Child care help for low-income families in Michigan

There are multiple federally funded education programs and resources in Michigan:

Michigan Head Start and Early Head Start

Head Start is a free federal preschool program for children aged 3 to 5 from low-income families. Early Head Start serves pregnant women and children under age 3. The programs focus on cognitive, social, and emotional development and prepare children for school. 

Qualifications: 

  • Children from birth to 5 
  • Meet federal poverty guidelines — $24,860/year for a family of three
  • Children in foster care, homeless children, and children from families receiving public assistance (TANF, SSI, etc.) are eligible regardless of income
  • Some programs accept kids with incomes above the Poverty Guidelines
  • Pregnant women can also receive prenatal and postpartum information, education, and services through Early Head Start

How to apply: 

Child Care Assistance

If you cannot afford child care, payment assistance is available through the Child Development and Care (CDC) Program. Families are responsible for paying any amount over the benefit amount directly to their care provider. 

Qualifications: 

Meet income limits (also lists payouts) for your household size. 

How to apply: 

Apply through MIBridges.

More child care help

Education help for single moms in Michigan

If you’re a single mom who wants to further her education, here are some helpful resources: 

Get a GED in Michigan

If you are at least 18 years old in Michigan, you can take the GED test. You may also be able to take the test at 16 or 17 with special permission from the school district where you live. 

The GED test is broken into four exams on different subjects, which can be spaced out and taken at your own pace (though each individual exam has a time limit): 

  • Mathematical reasoning – 115 minutes
  • Reasoning through language arts – 150 minutes
  • Social studies – 70 minutes
  • Science – 90 minutes

You have two options for taking the test in Michigan: 

  • Online at-home test – $43.50 per subject
  • In person at a test center – $37.50 per subject

Grants and scholarships in Michigan

The following programs are available in Michigan: 

Tuition Incentive Program (TIP)

TIP encourages Medicaid recipients to complete high school by providing tuition assistance after graduation.

Qualifications:

  • Michigan resident
  • U.S. citizen, permanent resident, or approved refugee
  • Students must have (or have had) Medicaid coverage for 24 months within a 36-month period between the ages of nine and high school graduation
  • File the Free Application for Federal Student Aid (FAFSA)
  • Obtain a high school diploma or its recognized equivalent prior to age 20
  • Begin using TIP at a participating institution within four years of high school graduation
  • Not be in default on a Federal student loan
  • Be enrolled at least half-time in accredited institution

How to get help:

  • Search all state scholarship programs here
  • Call 888-447-2687 for information
  • Read the TIP fact sheet

Michigan Tuition Grant

This grant awards up to $3,000 per academic year to undergraduate Michigan students who need financial help to attend college. 

Qualifications:

  • Michigan resident since July 1 of the previous calendar year
  • U.S. citizen, permanent resident, or approved refugee
  • Demonstrate financial need
  • Enroll at least half-time in accredited institution
  • Possess a high school diploma or its recognized equivalent
  • Not be incarcerate
  • Cannot be enrolled in a course of study leading to a degree in theology, divinity, or religious education
  • Not be in default on a Federal student loan

How to get help:

More education help: 

Employment help for single moms in Michigan

Workforce programs in Michigan provide training and assist with employment:

MichiganWorks! Association

MichiganWorks! strives to connect Michigan job searchers with local businesses. The association facilitates networking events, job training, and job placement assistance to its members.

How to get help: 

American Job Centers

American Job Centers offer employment and training services, career counseling, and job search assistance.

How to get help: 

More employment help: 

Charity organizations in Michigan

There are a number of charitable organizations throughout Michigan that offer support to single moms:

Single Family Living (SFL)

SFL is a volunteer organization that seeks to empower both children and parents in single parent families. They provide resources and services including mentorship, counseling, and housing assistance. 

How to get help: 

  • Fill out the contact form on their website
  • Call 586-843-9678 for more information

The Salvation Army of Michigan

The Salvation Army wears many hats. Chapters assist with:

  • Food, shelter and clothing
  • Medication costs
  • Education and job training
  • Christmas presents
  • Rent and utility bills
  • Substance abuse rehabilitation
  • Youth services
  • Emergency disaster response

Qualifications: 

Each Salvation Army branch determines its own eligibility criteria for different programs. 

How to get help: 

Visit the Salvation Army website to find your local chapter

Catholic Charities of Michigan

Catholic Charities assists with:

  • Housing
  • Utility assistance
  • Food assistance
  • Health care assistance

There are numerous locations across Michigan.

Qualifications: 

Each Catholic Charities branch determines its own eligibility criteria for different programs. 

How to get help: 

United Way of Michigan

The United Way of Michigan connects people in need with local resources like: 

  • Food
  • Shelter
  • Child care services
  • Housing
  • Health care
  • Support groups

How to get help: 

SOURCES

  1. “The Long-Term Impacts of Cash Assistance to Families,” by Kevin Werner, The Urban Institute, Jan. 31, 2024 https://www.urban.org/research/publication/the-long-term-impacts-of-cash-assistance-to-families




Not your state? Select yours here:

If you’re a single mom in Mississippi struggling to make ends meet, keep reading for resources that help with: 

Statistically, families benefit most with cash assistance (vs through benefits programs).1 Here is our guide to single mom grant programs, including our own.

Every month, I give out $500 cash to one single mom struggling with money, health, stress, child care, illness or loneliness — no strings attached. 

Qualifications are simple:

1. You're a single mom.

2. You need the money right now.

Fill out this form to apply:

(Note that the figures and information in this post are current as of publication date.)

Number of people in family/householdAnnual income
1$15,960
2$21,640
3$27,320
4$33,000
5$38,680
6$44,360
7$50,040
8$55,720

For families/households with more than 8 people, add $5,680 for each additional person.each additional person.

You can also look up your area median income (AMI) here.

Want to buy a home in 2026? See what mortgage you qualify for.

Emergency cash for low-income families in Mississippi

If you need cash to pay bills, buy gas, feed your family, or for any other reason, these resources can help:

Temporary Assistance for Needy Families (TANF) in Mississippi

The TANF Program provides cash assistance for families with children under age 18. TANF also helps with services like childcare and transportation so adults can hold a job and become self-sufficient in providing for their children. 

Recipients can receive assistance for a maximum of 60 months — sometimes longer if an adult in the household is disabled or unable to work.

Monthly payments in Mississippi are limited to no more than:

  • $200 for the first person
  • $36 for the second person
  • $24 for each additional person

Benefits are issued through a prepaid debit MasterCard. 

Qualifications:

  • Resident of Mississippi 
  • At least one child under the age of 18 living in your house
  • Meet gross monthly income limits — $680/month for a family of three 
  • Children under 7 must meet TANF immunization requirements
  • Children ages 6-17 must attend school and have satisfactory attendance
  • Adults who receive TANF and do not meet a work exemption are required to participate in work activities such as work experience or job search

How to get help:

More emergency cash help in Mississippi: 

Single moms in Mississippi can visit 211.org or dial 2-1-1 to ask for assistance.

Check out these posts for more ways to get emergency cash: 

These are some more tips for getting cash quickly: 

Get divorced online in Mississippi for $159 >>

Housing help for single moms in Mississippi

If you need help finding a place to live or paying your rent/mortgage, these programs can help: 

Rental assistance in Mississippi

There are multiple programs in Mississippi to help renters find housing and pay their rent based off the county in which you live:

Mississippi Emergency Rental Assistance

This state emergency rental assistance program is designed for people who are behind on their rent and need help paying past-due rent and/or utility bills. 

To qualify, your household income must be below 80% of the AMI. Eligible households can receive a maximum of 15 months of assistance. 

If your household includes one or more members who have been unemployed for 90 days or longer or if your household income is below 50% of the AMI, you will be given priority.

Qualifications: 

  • Household income may not exceed 80% AMI
  • One or more members of household is at risk of homelessness or is experiencing housing instability
  • One or more members of household qualifies for unemployment benefits
  • Experienced income reduction
  • Incurred significant cost
  • Experienced some other financial hardship related to COVID-19

How to get help:

  • Apply online
  • Contact the call center at 601-533-8401 or 888-725-0063 if you need help filling out the application

Public Housing and Housing Choice Vouchers (Section 8)

The U.S. Department of Housing and Urban Development (HUD) offers affordable housing and vouchers to help low-income households pay their rent.

Qualifications:

  • Meet income limits specified by HUD — less than 50% of median income for the county in which you live. You can find your county’s income limits on the HUD website. 
  • Must be a U.S. citizen or eligible immigrant
  • Be 18 years of age or older
  • Mississippi resident

How to get help: 

  • Contact your local public housing agency and ask how to apply for assistance
  • Call 888-858-6085
  • To apply you will need your social security number, income documentation, application form, and signed consent forms

Emergency Rental Assistance In Mississippi:

Mortgage assistance in Mississippi

If you need help with your mortgage in Mississippi, these programs can help: 

HomesaverPlus 

If you have experienced financial hardship and an increase in housing-related expenses due to COVID-19, the Mississippi Home Saver Plus Program may be able to help. The financial hardship must have created a risk of mortgage delinquency, mortgage default, foreclosure, property tax lien, or loss of utilities.

*The HAF program is currently paused. Expect information to be shared in early spring 2023 on when the program will reopen.

Qualifications:

  • Must have experienced a qualified financial hardship after January 21, 2020
  • Property must be occupied as the primary residence
  • Property located in the state of Mississippi
  • Homeowners must have a total annual household income of less than 100% of AMI
  • Documented temporary or permanent loss of income after January 21, 2020
  • Documented increase of out-of-pocket household expenses after January 21, 2020
  • Homeowner agrees to provide all necessary documentation to satisfy program guidelines established by MHC

How to get help: 

Go to HomeSaver Plus to apply.

Hope Credit Union Home Loans

Hope Credit Union Enterprise Corporation offers various loan options for first-time homebuyers, those looking to refinance, and those denied lending because of poor credit. Hope has specific loan products that cater to low- to moderate-income families:

  • FHA loan – Ideal for families with low to moderate income who cannot afford a large down payment
  • Hope loan – An affordable housing loan from Hope Credit Union you can apply for even if your credit score is as low as 580

Hope has loan options for any income level and credit standing.

Qualifications:

  • Mississippi resident

How to get help:

Mississippi Home Corporation (MHC)

The Mississippi Home Corporation (MHC) helps families finance safe, decent, affordable housing. MHC helps with owner-occupied and rental housing targeted to moderate and lower-income working families. The program provides housing finance products that are not available from other sources. 

Qualifications:

  • Must get pre-qualified by an approved MHC participating lender (requirements vary based on the lender you choose; 
  • Meet county income limits
  • Complete pre-purchase homebuyer education

How to get help:

Check today's mortgage loan rates >>





Homeless assistance in Mississippi

Continuum of Care agencies (CoC) help homeless individuals and families in Mississippi with emergency shelters, re-housing, and other needs.

How to get help:

Find your Continuum of Care agency in Mississippi.

More housing help: 

Electric bill assistance in Mississippi

If you are struggling to pay your utility bills in Mississippi, check out the following programs:

Low-Income Home Energy Assistance (LIHEAP) in Mississippi

LIHEAP helps eligible households with their home heating and cooling bills through energy bill payment assistance, energy crisis assistance, and long-term weatherization assistance. 

Qualifications:       

  • U.S. Citizen or legally admitted immigrant
  • Resident of Mississippi 
  • Total gross annual household income at or below 60% of state median income — $14,916/year for a family of three
  • A person who participates or has family members who participate in certain other benefit programs — such as SNAP, SSI, or TANF — automatically meets the eligibility requirement

How to get help:

Weatherization Assistance Program (WAP)

WAP helps qualifying households lower their monthly energy bills by making their homes more energy efficient, with an average of $350 per year in energy savings. Types of assistance include:

  • Air and duct sealing
  • Wall, floor, attic insulation
  • Heating, ventilation, air conditioning system improvements
  • Lighting efficiency 
  • Hot water tank insulation
  • Water conservation devices

Qualifications: 

  • Mississippi resident
  • Income at or below 200% of FPL
  • Preference may be given to:
    • People over 60 years of age
    • Families with one or more members with a disability
    • Families with children
  • You are automatically eligible to receive weatherization assistance if you receive Supplemental Security Income (SSI) or Temporary Assistance to Needy Families (TANF).

How to get help:

Low-Income Household Water Assistance (LIHWAP) in Mississippi

LIHWAP was created in response to COVID-19 and helps eligible households pay for drinking and wastewater. Payments are applied directly to the water account and paid to the vendor. Lowest income Mississippians can receive up to $1,500 in assistance.

Qualifications:

  • Receive water through public pipelines from participating vendor
  • Total gross income at or below 60% of state median income (same as LIHEAP)
  • Responsible for paying the water bill
  • U.S. Citizen or legal immigrant

How to get help:

More electric bill help: 

Free money to help pay bills

Medical insurance and dental help for single moms in Mississippi

The following medical and dental services are available to qualifying individuals and families in the state of Mississippi:

Donated Dental Health (DDS) 

Through DDS, volunteer dentists provide treatment to eligible patients (does not include emergency services or cosmetic treatments). Applicants must have no means to afford dental care.

Qualifications: 

Must meet at least one of the following:

  • Over 65 years of age
  • Permanently disabled
  • Need medically necessary dental care

How to get help: 

  • Apply online 
  • Contact Brandon Leviton, DDS Coordinator, at 601-932-2200

Health Resources & Services Administration (HRSA) in Mississippi

HRSA, an agency of the United States Department of Health and Human Services, funds health centers that provide free or subsidized health and dental care to low-income people and those otherwise unable to access quality health care, like people living in rural areas.

HRSA also offers a 24/7 free and confidential mental health hotline for pregnant and new moms. Dial 833-943-5746 (833-9-HELP4MOMS) if you are struggling.

Qualifications: 

Each health center sets its own eligibility criteria for free or reduced cost care. 

How to get help:

Find an HRSA health center in Mississippi by typing in your address on HRSA’s search tool.

Mississippi Medicaid

Medicaid is a medical assistance program that helps lower-income families pay for some or all of their medical bills. Covered services include: 

  • Office visits
  • Family planning services
  • Inpatient hospital care
  • Outpatient hospital care
  • Prescription drugs
  • Eyeglasses
  • Long-term care services
  • Inpatient psychiatric care

Qualifications:

  • Resident of Mississippi 
  • U.S. national citizen, permanent resident, or legal alien
  • Child or teenager 18 or under
  • Over the age of 65
  • Meet income requirements

How to get help:

MississippiCAN

The Mississippi Coordinated Access Network (MississippiCAN) is a program for people who receive Medicaid. They offer the same services as Medicaid, in addition to extra services to improve health and wellbeing. These include:

  • Physician office visits (more than what Medicaid provides)
  • Durable medical equipment
  • Vision (more than what Medicaid provides)
  • Dental (limited over 21)
  • Therapy services
  • Hospice services
  • Pharmacy services
  • Mental health services
  • Outpatient hospital services (chemotherapy, ER visits, x-rays, etc.)
  • Inpatient hospital services
  • Non-emergency transportation

Qualifications: 

You are eligible to be part of this program if you receive Medicaid through:

  • Supplemental Security Income (SSI)
  • Department of Human Services foster care children
  • Disabled child living at home
  • Working disabled
  • Breast/cervical cancer
  • Pregnant women and infants
  • Family/children on the Temporary Assistance for Needy Families (TANF)
  • All newborns

How to get help:

  • Eligible Medicaid recipients will receive an enrollment packet in the mail
  • Learn more about the health plans offered here 
  • Call 800-884-3222

Mississippi CHIP 

The Children's Health Insurance Program (CHIP) provides no-cost or low-cost health coverage to children of families who are not eligible for Medicaid. CHIP covers the same services as Medicaid.

Qualifications:

  • 18 years of age and under or a primary caregiver with children 18 years of age and under
  • U.S. citizen, national, or a non-citizen legally admitted into the U.S.
  • Uninsured and ineligible for Medicaid
  • Meet income limits

How to get help:

  • Call 800-421-2408 to talk to someone in Mississippi about CHIP 
  • Visit here

More medical/dental help: 

Food help for low-income families in Mississippi

A number of federal and state food and nutrition programs are available across the state:

The Mississippi Supplemental Nutrition Assistance Program (SNAP/Food Stamps)

USDA’s Supplemental Nutrition Assistance Program (formerly known as the Food Stamp program) provides food benefits and nutrition education to low-income households. 

SNAP recipients are issued an EBT card that can be used like an ATM card in retail food stores to purchase food, including:

  • Breads
  • Cereals
  • Fruits
  • Vegetables
  • Meats
  • Fish
  • Poultry
  • Dairy
  • Plants and seeds to grow food 

Click here for a list of what you can and cannot buy.  

Qualifications:

  • Mississippi resident
  • Current bank balance (savings and checking combined) under $2,001 or under $3,001 and share your household with one of the following:
    • Person or persons age 60 and over
    • Person with a disability (child, parent, yourself)
  • Meet income limits — $32,318/year for a family of three

How to get help: 

  • Apply online
  • Learn more about the application process 
  • Call 800-948-3050
  • Once your application is filed a DFCS case manager will interview you

The Emergency Food Assistance Program (TEFAP) 

The Emergency Food Assistance Program is a federal program that funds food banks for low-income families in Mississippi. 

Qualifications: 

Each food bank sets its own eligibility and proof-of-need requirements. 

How to get help: 

Visit your local food bank on the Feeding America website.

Mississippi’s Women, Infants, and Children (WIC)

The Special Supplemental Nutrition Program for Women, Infants, and Children is a nutrition program that provides free baby formula and nutritional food items to low-income mothers and their babies. 

Qualifications:

  • Low-income, pregnant, breastfeeding, and postpartum women, for up to one year postpartum
  • Women up to six months postpartum who are not breastfeeding
  • Infants and children under 5 years old, including foster children
  • Low-income sole provider parents of children under age of 5 who are at nutritional risk and who are below 185% of FPL
  • If you are currently receiving Medicaid, Temporary Assistance, or Food Assistance help, you are also eligible for WIC

How to get help:

National School Lunch Program (NSLP) and School Breakfast Program (SBP)

NSLP serves healthy, well-balanced, reduced-price, or free meals to children in school. An extension of the NSLP, the School Breakfast Program provides free or low-cost breakfast to eligible students. 

Qualifications: 

Household income must fall at or below the limits of the federal income eligibility guidelines.

How to get help: 

The Summer Food Service Program (SFSP)

The Summer Food Service Program (SFSP) provides nutritious meals to preschool and school-age children from needy areas during extended vacation periods.

How to get help:

  • Visit the USDA sponsored Meals for Kids Site Finder
  • Summer Meals Text Service Number: 914-342-7744
  • USDA National Hunger Hotline Number: 866-3-HUNGRY or 877-8-HAMBRE
  • Visit the School Meal Finder site
  • Visit the Food Finder site to find schools serving meals and local food pantry locations

Mississippi Food Network 

Mississippi Food Network (MFN) distributes more than 1.5 million pounds of food and feeds more than 150,000 people every month. MFN takes donations from multiple sources and distributes food and goods through 430 member agencies. These agencies then distribute the food to recipients in their own communities.

Program options include:

  • The Emergency Food Assistance Program
  • Mobile Pantry Program
  • The Backpack Program
  • School Pantry Program
  • Kids Café Program and Summer Food Service Program
  • Senior Grocery Program

How to get help: 

More food help: 

Child care help for low-income families in Mississippi

There are multiple federally funded education programs and resources in Mississippi:

Mississippi Head Start Association (MHSA)

Head Start is a free federal preschool program for children aged 3 to 5 from low-income families. Early Head Start serves pregnant women and children under age 3. The programs focus on cognitive, social, and emotional development and prepare children for school. 

Qualifications: 

  • Children from birth to 5 
  • Meet federal poverty guidelines 
  • Children in foster care, homeless children, and children from families receiving public assistance (TANF, SSI, etc.) are eligible regardless of income
  • Some programs accept kids with incomes above the Poverty Guidelines
  • Pregnant women can also receive prenatal and postpartum information, education, and services through Early Head Start

How to apply: 

The Child Care Payment Program (CCPP)

The program helps low-income Mississippi parents and guardians with child care tuition. Parents can choose any type of child care while participating in the program.

Qualifications: 

  • Parents who meet the income and work requirement for participation in the program will be responsible for paying their child care provider a monthly co-payment fee
  • Parents will also be responsible for published tuition rates. For example, if a parent has a child enrolled in AZQ Preschool and the preschool’s published tuition rates are $390 per month and the Child Care Payment Program pays $300 per month, the parent is responsible for paying the $90 difference to the child care provider in addition to their monthly co-payment.
  • Must meet income requirements 

How to get help:

More child care help

Education help for single moms in Mississippi

If you’re a single mom who wants to further her education, here are some helpful resources: 

Get a GED in Mississippi

If you are at least 18 years old in Mississippi, you can take the GED test.

You can also take the GED at 16 or 17 if you:

  • Are not currently enrolled in K12 school
  • Provide documentation (withdrawal form) signed by the superintendent/designee certifying the applicant has been released from compulsory school attendance by the school board
  • Have consent from a parent or legal guardian

Other exceptions:

  • Homeschool examinees: Provide proof of registration as a homeschooled student from local school district or homeschool association

The GED test is broken into four exams on different subjects, which can be spaced out and taken at your own pace (though each individual exam has a time limit): 

  • Mathematical reasoning – 115 minutes
  • Reasoning through language arts – 150 minutes
  • Social studies – 70 minutes
  • Science – 90 minutes

You have two options for taking the test in Mississippi: 

  • Online at-home test – $30 per subject
  • In person at a test center – $36 per module

You can pay with a credit or debit card or through American Express Bluebird. Find more information on the GED website.

Grants and scholarships in Mississippi

College-bound students in Mississippi have access to a wide range of scholarships, grants, and loan forgiveness programs. These programs are supported by the state government and are designed and administered by the Mississippi Board of Trustees. 

These publicly funded, state-supported financial aid programs exist to make college education more accessible to Mississippi residents:

  • The Mississippi Eminent Scholars Grant provides financial assistance to Mississippi residents attending state approved public and private not-for-profit 2-year and 4-year eligible colleges and universities. MESG awards up to $2,500 per academic year, and recipients can receive MESG for up to eight semesters.
  • The Mississippi Tuition Assistance Grant provides financial assistance to Mississippi residents attending state approved public and private not-for-profit 2-year and 4-year eligible colleges and universities. The grant helps students who do not already benefit from federal need-based aid. MTAG awards up to $500 per academic year for freshmen and sophomores and $1,000 per academic year for juniors and seniors, for up to eight semesters.
  • The Nissan Scholarship is for students who attend a Mississippi public two-year or four-year college. The scholarship will pay full tuition, required fees, and a book allowance. Either one or two applicants will be awarded each year. The Nissan Scholarship can be awarded for up to four years, either two years at a 2-year college and two additional years at a 4-year university, or up to four years at a 4-year university.
  • The Higher Education Legislative Plan gives tuition assistance to qualified students whose financial need will not be met from other sources. The program provides full tuition for up to four years.
  • The Graduate and Professional Degree Loan/Scholarship gives varying amounts of financial aid to chiropractic students. Applicants must be Mississippi residents who are pursuing a graduate or professional degree in chiropractic medicine, orthotics/prosthetics, or podiatric medicine at an approved out-of-state institution.

All of these awards seek to offer financial incentives in return for professional service within the state of Mississippi. Loans are forgiven or waived upon satisfying required service obligations.

More education help: 

Employment help for single moms in Mississippi

Workforce programs in Mississippi provide training and assist with employment:

Unemployment Insurance

Unemployment insurance benefits provide temporary financial assistance to workers who are unemployed through no fault of their own that meet Mississippi’s eligibility requirements.

Qualifications: 

  • Resident of Mississippi
  • Unemployed
  • Worked in Mississippi during the past 12 months (this period may be longer in some cases)
  • Earned a minimum amount of wages determined by Mississippi guidelines
  • Actively seeking work each week you are collecting benefits

How to get help: 

American Job Centers

American Job Centers offer employment and training services, career counseling, and job search assistance. 

How to get help: 

More employment help: 

Charity organizations in Mississippi

There are a number of charitable organizations throughout Mississippi that offer support to single moms:

The Salvation Army of Mississippi

The Salvation Army wears many hats. Chapters assist with:

  • Food, shelter and clothing
  • Medication costs
  • Education and job training
  • Christmas presents
  • Rent and utility bills
  • Substance abuse rehabilitation
  • Youth services
  • Emergency disaster response

Qualifications: 

Each Salvation Army branch determines its own eligibility criteria for different programs.

How to get help: 

Visit Mississippi’s branch to find out more information (Alabama, Georgia, and Mississippi share a branch). 

Catholic Charities of Mississippi

Catholic Charities assists with:

  • Housing
  • Utility assistance
  • Food assistance
  • Health care assistance

Qualifications: 

Each Catholic Charities branch determines its own eligibility criteria for different programs. 

How to get help: 

United Way of Mississippi

The United Way of Mississippi connects people in need with local resources like: 

  • Food
  • Shelter
  • Child care services
  • Housing
  • Health care
  • Support groups

How to get help: 

SOURCES

  1. “The Long-Term Impacts of Cash Assistance to Families,” by Kevin Werner, The Urban Institute, Jan. 31, 2024 https://www.urban.org/research/publication/the-long-term-impacts-of-cash-assistance-to-families




Not your state? Select yours here:

If you’re a single mom in Missouri struggling to make ends meet, keep reading for resources that help with: 

Statistically, families benefit most with cash assistance (vs through benefits programs).1 Here is our guide to single mom grant programs, including our own.

Every month, I give out $500 cash to one single mom struggling with money, health, stress, child care, illness or loneliness — no strings attached. 

Qualifications are simple:

1. You're a single mom.

2. You need the money right now.

Fill out this form to apply:

(Note that the figures and information in this post are current as of publication date.)

Number of people in family/householdAnnual income
1$15,960
2$21,640
3$27,320
4$33,000
5$38,680
6$44,360
7$50,040
8$55,720

For families/households with more than 8 people, add $5,680 for each additional person.each additional person.

You can also look up your area median income (AMI) here.

Want to buy a home in 2026? See what mortgage you qualify for.

Emergency cash for low-income families in Missouri

If you need cash to pay bills, buy gas, feed your family, or for any other reason, these resources can help:

Missouri Temporary Assistance

Missouri’s Temporary Assistance program gives cash payments to low-income families with children for a lifetime total of 45 months — or longer if the parent is:

  • Teen under 18 attending school
  • Age 60 or over
  • Disabled

Your payment depends on your family size and income. For example, a Missouri family of three can receive a maximum of $292 per month.

Qualifications:

  • Missouri resident
  • U.S. citizen or qualified immigrant
  • Child under 18 or 19 if still in school
  • Comply with drug testing
  • Under the income limits, which is $3,504/month for a family of three
  • $1,000 or less in resources
  • Cooperate with child support, if applicable
  • Participate in the Missouri Work Assistance program

How to get help:

More emergency cash help in Missouri: 

Single moms in Missouri can visit 211.org or dial 2-1-1 to ask for assistance.

Check out these posts for more ways to get emergency cash: 

These are some more tips for getting cash quickly: 

Housing help for single moms in Missouri

If you need help finding a place to live or paying your rent/mortgage, these programs can help: 

Rental assistance in Missouri

There are multiple programs in Missouri to help renters find housing and pay their rent:

Public Housing and Housing Choice Vouchers (Section 8) in Missouri

Section 8 pays low-income families rental vouchers to help them afford housing. Eligible families can use Section 8 to pay for any participating home or apartment that meets U.S. Department of Housing and Urban Development (HUD) guidelines.

Qualifications:

Families must meet income requirements for their area based on household size.

How to get help: 

Housing Stability and Eviction Diversion (HSED) Agencies

HSED agencies in Missouri help renters who are facing eviction. These agencies connect renters with legal services, rental assistance, and case management services to help them remain in their homes and pay their rent.

How to get help: 

Call 833-541-1599 to find an HSED agency near you.

Rental Assistance Program in Missouri

The Department of Mental Health’s RAP pays up to three months of rent, up to $100 in rental application fees, up to $600 for past-due rent, or $500 for current utility bills for families in need.

Qualifications:

  • Receive services through a mental health or substance abuse agency
  • Housing-related problem, like the inability to pay rent or past-due utility bills
  • Household income at or below 50% of AMI

How to get help: 

Ask your mental health services agency for help applying, as applications must come directly from the agency.

Mortgage assistance in Missouri

If you need help buying a home in Missouri, these programs can help: 

Missouri State Assistance for Housing Relief (SAFHR)

SAFHR gives mortgage assistance to homeowners who experienced financial hardship due to the COVID-19 pandemic. The program pays up to $50,000 as a one-time payment.

Qualifications:

  • Missouri homeowner seeking assistance with a primary residence
  • Experienced a pandemic-related financial hardship
  • Income within 150% of AMI or within 100% of the U.S. median income (SAFHR uses the higher number)                  

How to get help: 

Use the prescreening tool to see if you qualify.

MHDC Homeownership Assistance Programs

MHDC has two programs for Missouri homebuyers:

  • First Place Loan Program: This program offers the homebuyer’s choice of a low-interest mortgage loan or cash assistance loan up to 4% of the purchase price for a down payment or closing costs. This loan is forgivable if the homeowner remains in the home for 10 years.
  • Next Step Program: Homebuyers with higher incomes who don’t qualify for the First Place Loan Program can get a mortgage through this program. It allows higher purchase limits and provides eligible homebuyers with down payment or closing cost assistance.

Qualifications:

  • Minimum credit score of 640 
  • First-time homebuyer for the First Place Loan Program
  • Debt-to-income ratio of 50% or lower
  • Meet income limits for your area

How to get help: 

Mortgage Assistance Counseling in Missouri

Several organizations across Missouri offer mortgage assistance counseling to help families who are at risk of falling behind on payments or nearing foreclosure.

How to get help: 

Contact a Mortgage Assistance Counseling Agency in your county.

Check today's mortgage loan rates >>





Homeless assistance in Missouri

Coordinated Entry in Missouri

Coordinated Entry helps Missouri families who are homeless or at risk of becoming homeless find resources in their area. Agencies across the state assess a family’s needs to connect them to services that can help, including emergency shelters, food banks, or affordable housing.

How to get help: 

Find a Coordinated Entry agency in your area.

More housing help: 

Electric bill assistance in Missouri

If you are struggling to pay your utility bills in Missouri, check out these programs:

Low-Income Home Energy Assistance Program (LIHEAP) in Missouri

LIHEAP pays Missouri families up to $990 as a one-time payment for their heating and cooling costs. The payment goes directly to a family’s energy company and is payable annually at any time during the year. 

LIHEAP in Missouri also offers a crisis program for families who need immediate assistance with their heating or cooling costs. The program pays up to $1,600 for winter heating and up to $1,200 for summer cooling.

Qualifications:       

  • Missouri resident
  • US citizen or legal immigrant
  • Pay heating or cooling bills for your home
  • Less than $3,000 in resources
  • Income 60% or below state median income

How to get help:

Weatherization Assistance Program (WAP) in Missouri

WAP in Missouri helps low-income households get home upgrades that can lower their energy costs. WAP provides services such as:

  • Air sealing
  • Furnace tune-ups
  • Ductwork replacement
  • Installing efficient light bulbs
  • Repairing and replacing water heaters
  • Installing programmable thermostats

Qualifications:

  • Missouri resident
  • U.S. citizen
  • Own a home or have landlord permission for weatherization services
  • Income at or below 200% of federal poverty guidelines

How to get help:

Contact your local weatherization agency.

More electric bill help: 

Free money to help pay bills

Medical insurance and dental help for single moms in Missouri

Missouri single moms may be eligible for these statewide programs that provide health and dental care.

Missouri Mission of Mercy

Missouri Mission of Mercy provides a free dental clinic for anyone around the state who needs dental care. Volunteer dental professionals in Missouri help patients with cleanings, fillings, extractions, root canals, and diagnosing dental problems.

How to get help: 

Check with the Missouri Dental Association to find upcoming Missouri Mission of Mercy dates/locations.

Missouri Community Health Centers

Missouri Community Health Centers provide affordable health services to low-income families. 

Qualifications:

Each health center determines its own eligibility requirements.

How to get help:

Find a Missouri Community Health Center near you.

MO HealthNet

MO HealthNet is Missouri’s Medicaid program. It includes Medicaid for children, also known as CHIP. Pregnant women, caretakers, and women with no insurance may qualify for one of the following MO HealthNet programs:

  • Expansion Adults (for adults 19-64)
  • Families (for parents or caretakers with children)
  • Children & Youth (for children 18 and younger)
  • People with Disabilities
  • MO HealthNet for Pregnant Women 
  • Show Me Healthy Babies (also for pregnant women, but includes women without other health insurance and women who are ineligible aliens)
  • Women Without Health Coverage (for women with no health insurance who need family planning help)
  • Women with Breast & Cervical Cancer (women who need treatment for these conditions)

People who make too much money for MO HealthNet may still qualify to get affordable health insurance through a spend down program. Eligible individuals will need to pay a copay or deductible before the spend down program pays its share, similar to private health insurance.

Qualifications:

How to get help:

  • Apply online
  • Call 855-373-9994
  • Download an application and mail it to: Family Support Division, P.O. Box 2700, Jefferson City, MO 65102

Vaccines for Children (VFC) Program in Missouri

VFC provides low-cost or free vaccines to children through participating providers. If a family can’t afford a shot, the provider agrees to forgive the cost.

Qualifications:

Children must meet at least one of the following requirements:

  • Eligible for Medicaid
  • No health insurance
  • Underinsured
  • American Indian or Alaska Native

How to get help: 

Use the Vaccine Locator to find a participating provider in Missouri.

Midwest Special Needs Trust Charitable Grant

This grant program gives up to $2,000 to adults or children with a disability verified by Social Security. Eligible people can use the grant for medical or dental services.

Qualifications:

  • Verifiable disability
  • No other coverage or funding for medical needs
  • Not received a grant from this fund within the last 12 months
  • Income at or below the limits, which is $24,860 for a family of three

How to get help: 

Complete an application and mail it to: Midwest Special Needs Trust, P.O. Box 7629, Columbia MO 65205

Show Me Healthy Women

SMHW pays for breast and cervical cancer screenings. Eligible women can also get care through WISEWOMAN, which covers heart disease and stroke screenings and provides helpful resources. 

Qualifications:

  • Age 35-49 or 50+ without Medicare Part B
  • Income within limits — $57,575 for a family of three
  • No insurance for covered services

How to get help:

Contact a participating provider.

More medical/dental help: 

Food help for low-income families in Missouri

A number of federal and state food and nutrition programs are available across the state:

Missouri Food Assistance Program (SNAP)

SNAP in Missouri pays eligible families monthly for food. A three-person family can get up to $740 in SNAP benefits per month, depending on their income. Missouri uses an EBT card system that allows families to use their SNAP benefits just like a regular debit card to buy eligible foods. 

Missouri SNAP recipients can also participate in the free SkillUP program to find jobs, train for work, or receive certifications. 

Qualifications:

How to get help: 

Women, Infants, and Children (WIC) in Missouri

WIC pays for healthy food for moms and their infants or children, like infant formula, fresh fruits and vegetables, and milk. Pregnant women can also get help. Grandparents and caretakers of young children may also qualify.

Qualifications:

  • Low-income, pregnant, breastfeeding, and postpartum women, for up to one year postpartum
  • Women up to six months postpartum who are not breastfeeding
  • Infants and children under 5 years old, including foster children
  • Low-income sole provider parents of children under age of 5 who are at nutritional risk and who are below 185% of FPL
  • If you are currently receiving Medicaid, Temporary Assistance, or Food Assistance help, you are also eligible for WIC

How to get help: 

Contact a local WIC agency.

National School Lunch Program (NSLP) and School Breakfast Program in Missouri

NSLP helps Missouri students get healthy and affordable lunches at school. The School Breakfast Program in Missouri gives free or reduced-price breakfast to all eligible children in participating schools. 

Qualifications: 

  • Students at participating schools
  • Income at or below 130% of the federal poverty guidelines for free meals or 185% for reduced meals

How to get help: 

  • Contact your child’s school for more information
  • Call 573-751-3526

Summer Food Service Program (SFSP)

SFSP gives children up to age 18 meals during the summer when schools are on break. Locations across the state participate in the program.

Qualifications: 

  • Children 0-18
  • 18+ with a disability
  • Income at or below 185% of the federal poverty guidelines

How to get help: 

  • Call 573-751-6251 or 888-435-1464
  • Email SFSP@health.mo.gov 

Food Distribution Program

The Food Distribution Program gives USDA-donated food to eligible families at their local food banks. 

How to get help: 

Find a local food bank in Missouri.

More food help: 

Child care help for low-income families in Missouri

Moms in Missouri can get help paying for child care while they work or attend school.

Child Care Subsidy Program in Missouri

Missouri pays child care fees for parents who need help affording child care. The payment amounts vary by county, age, type of center, and whether the child attends part-time or full-time. For example, the program will pay up to $32 per day for infant care in a licensed center.

Families that increase their income through employment may still be eligible for transitional child care. This program has three levels of payments between 50% and 80% of the regular child care subsidy, depending on income. 

Qualifications: 

  • Child under 13 or older if they have special needs
  • Employed, attending school, or participating in job training
  • Income at or lower than 150% of federal poverty level

How to apply: 

Missouri Head Start and Early Head Start

Early Head Start in Missouri gives children under 3 and their families resources and services for healthy development. These services can be home-based or through community support groups.

Head Start is for children ages 3 to 5 to participate in early learning and social development. These programs are usually in a child care or preschool environment.

Qualifications: 

  • Child under 3 for Early Head Start or age 3-5 for Head Start
  • Income at or below the federal poverty guidelines

How to apply: 

Locate a Head Start or Early Head Start program near you.

More child care help

Education help for single moms in Missouri

If you’re a single mom who wants to further her education in Missouri, here are some helpful resources: 

High School Equivalency (HSE) in Missouri

Single moms who have not completed high school can earn their HSE credential, which is similar to a diploma. HSE candidates must be 17 years old or under 17 with parental or school district permission. The test is split into subject five areas and costs a total of $98.75 at a testing center or $151.25 at home. 

Grants and scholarships in Missouri

Missouri has several grant and scholarship programs for single moms who want to go to college:

  • A+ Scholarship Program: Pays up to $196 per credit hour for graduates of A+ high schools who attend a community college or vocational school
  • Access Missouri Financial Assistance Program: Pays up to $2,850 per year for undergraduate students with an expected family contribution (EFC) of lower than $12,000
  • Dual Credit / Dual Enrollment Scholarship: Pays some tuition fees, which vary by student, for enrollees of dual-credit college programs
  • Fast Track Workforce Incentive Grant: Pays for some tuition and fees not covered by financial aid for adults 25 or older who are enrolled in college or an apprenticeship program
  • Minority and Underrepresented Environmental Literacy Program: Provides financial assistance to minorities and underrepresented students pursuing a degree in environmental studies

Learn more about eligibility and how to apply on the MDHEWD website. 

More education help: 

Employment help for single moms in Missouri

Workforce programs in Missouri provide training and assist with employment:

Missouri Unemployment Benefits

Unemployed single moms in Missouri can submit weekly claims for unemployment benefits if they lost their job due to no fault of their own. Missouri averages your earnings for your two highest quarters and multiplies it by 4% to determine your maximum weekly payment. 

Qualifications: 

  • Not at fault for losing a job
  • Quit a job for good reason
  • Earn enough income during the qualifying period
  • Search for work

How to get help: 

File a claim online through the Missouri Department of Labor.

MoJobs

MoJobs is an online database of available jobs in the state. Single moms can use it to find a new job, free training, or financial aid to pursue an education.

How to get help: 

Sign up for a MoJobs account.

More employment help: 

Charity organizations in Missouri

There are a number of charitable organizations throughout Missouri that offer support to single moms:

The Salvation Army of Missouri

The Salvation Army helps Missouri residents find emergency and long-term housing, train for jobs, or get holiday gifts for their children. Each location in Missouri may offer different forms of help, including:

  • After-school care and activities
  • Domestic violence support
  • Mental health support
  • Food donations
  • Clothing assistance
  • Spiritual services
  • Life skill building
  • Disaster relief
  • Help paying bills

Qualifications: 

Each Salvation Army location in Missouri may provide different services with various eligibility requirements. 

How to get help: 

Visit the Salvation Army website to find your local chapter. 

United Way of Missouri

United Way has several locations in Missouri that provide the following help:

  • Academic help for children
  • Access to affordable medical and dental care
  • Job skill development
  • Financial stability
  • Community engagement
  • Resource connections
  • Fundraisers for local organizations
  • Access to food

How to get help: 

Dial 2-1-1 or locate your nearest United Way of Missouri.

SOURCES

  1. “The Long-Term Impacts of Cash Assistance to Families,” by Kevin Werner, The Urban Institute, Jan. 31, 2024 https://www.urban.org/research/publication/the-long-term-impacts-of-cash-assistance-to-families




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