All those single mothers who are finding life difficult having to struggle with their debts and managing finance now need not worry as there are different debt relief grants available for moms to pay off debts. If you too are feeling the pinch, then this article is just for you.
Running a family as a single mother is not at all easy. There are so many things to juggle with such as managing house rent, work, college, kids, health, and insurance to name a few. Fulfilling all demands and needs of the family seems to be a real challenge especially for a single mom due to their single and low income.
More often than not, single mothers end up having heavy dues, and due to the financial crunch, nonpayment of monthly bills is inevitable. Huge debts loom over the head, and the phone continues to ring as collectors keep on calling. These causes enough stress both mentally as well as physically and may also result in a strained relationship, mood swipes, inability to access basic necessities of life leading to frustration and even discontinuation of service.
Worry not! There are different debt reliefs grants designed just for you and are available to meet almost all your needs. These grants will help you to compensate your monthly bills and meet with all the expenses. It all depends on which grant you choose and how well you apply and use it.
Grants for housing and utilities
Everyone wants a secure and permanent shelter but with your low income purchasing a home can remain as your unfulfilled dream. For single moms even paying the rent on time becomes difficult at times due to the limited income resulting in huge multiple debts that often needs to be consolidated to pay off. Now you can avoid the need to consider debt consolidation reviews to deal with your debts due to the different grants provided for different purposes.
The federal government, states, different community agencies, and nonprofits have come up with rental assistance plans and housing grants. As a single mother, you can have your secure, permanent and affordable home now. You can choose from the following free housing debt relief grants:
- Section 8 Housing Choice Voucher Program
- USDA Rural Development
- Transitional Housing Assistance Program
- Public Housing Program
- HOME Investment Partnership Program and
- Nonprofits such as Freddie Mac, Fannie Mae, Habitat for Humanity, Salvation Army, Mercy Housing and others.
You can also avail free debt relief grants online to pay rental bills and your utility bills. With the utility bill grants, you will have enough assistance in paying electric, heating and water bills. The federal government and different utility companies along with nonprofits and local communities provide financial assistance to single mothers to equipoise the heating and cooling charges and its escalating bills. These offers include:
- Low Income Home Energy Assistance Program or LIHEAP. This is funded by the Department of Health and Human Services of the United States, DHHS
- Weatherization Assistance Program
- Heating Repair Replacement Program, HARRP
- Winter Protection Programs
- Home Energy Assistance Program, HEAP
- Regulations on Heating and Utility Disconnections
- Home Energy Audit by utility companies
You will also have enough assistance for water bills by the American Water through programs such as Low-Income Payment plan and Help to Others or H2O.
Grants for day care
Raising children is a serious issue and challenge for single moms not only due to the low income but also for the reason that single moms have to stay away from their home for long hours either to pursue their education or for office work. Therefore, the need for a safe and reliable day care centers for the child becomes indispensable. These are expensive, and most single moms find it unaffordable.
That does not mean your child will be deprived of proper care and attention. Now you too can afford such day care centers with the help of the federal day care grants for single mothers and different other babysitting benefits. You can meet all these expenses by applying for grants such as:
- Child Care and Development Block Grant, CCDBG
- State Assistance such as Child Care Assistance and Childcare tax benefits
- Head Start
- Local Department of Health and Human Services.
Types of medical grants
Health care and regular medical checkup are expensive and most people especially single parents skip these till medical conditions become severe and go beyond control. Medical bills are a huge worry for all families with limited incomes. Now you can meet with the medical expenses for checkups, tests, medicines, hospital payments, without causing heavy dues. You can avail many different medical grants and healthcare benefit programs to cope up with the medical bills such as:
- State programs
- Children’s Health Insurance Program, CHIP
- Kids care
- Healthy Families Program and
- Health Plan for uninsured children
Grants for emergency and others
The government has also designed several types of grants and benefits so that you can meet with your emergency needs as well. Often, single mothers struggling with multiple debts require financial help and security in emergency situations. Low bank balance does not provide them with the required security, but these benefit programs and federal grants will surely help you to overcome the crisis as well as compensate the dues. These grants are:
- Emergency Cash Assistance
- Self-Employment Assistance
- Women, Infants, and Children or WIC
- Disaster Unemployment Assistance
- Unemployment Insurance Coverage and
- Temporary Assistance for Needy Families.
Apart from the above major categories, you can also apply for other grants such as Infants and Children Special Supplemental Nutrition Program, Food Stamp Program, Nutrition Assistance Program, and much more.
All these grants will prevent you from incurring huge and multiple debts. You can apply for these free personal grants online and meet with your personal needs. You will hardly need any debt settlement, debt consolidation or any other programs to get rid of your debts.
Therefore, start applying for any of these now through the government grants website. The process is simple, and once you register, you will have a Catalog of Federal Domestic Assistance, CFDA number to track your application.