Financial Help Programs

Federal disaster relief for individuals and households affected by presidentially declared disasters, covering housing and essential needs.

Provides grants to state, local, tribal, and territorial governments and certain private nonprofits to help communities quickly respond to and recover from major disasters.

Short-term financial help for families displaced by home fires and other disasters, including emergency food, shelter, and clothing.

Low-interest federal loans for small businesses, nonprofits, and agricultural cooperatives that suffer substantial economic injury from declared disasters.

Provides nutritious food to low-income Americans through local food banks and food pantries, including during times of disaster or hardship.

Each US state operates emergency relief programs for residents facing crisis situations. Contact your state's Department of Social Services for local options.

Immediate financial and material assistance for individuals and families in the aftermath of disasters, including food, water, shelter, and emotional support.

Local community foundations often maintain rapid response funds to deploy emergency grants to nonprofits and individuals during community crises.

Federal rental assistance program that helps low-income families, elderly, and disabled individuals afford safe housing in the private market.

Federally funded program that helps low-income households pay for home heating and cooling energy costs, bill payment assistance, and weatherization.

Provides monthly food benefits to eligible low-income individuals and families, helping them afford a nutritious diet through EBT cards accepted at grocery stores.

Joint federal-state program providing free or low-cost health coverage to millions of Americans including low-income adults, children, pregnant women, and people with disabilities.

Helps renters who cannot afford rent or utilities due to financial hardship. Many states and local governments administer their own ERAP with federal funding.

Provides nutrition assistance, healthy food, and health care referrals to low-income pregnant women, new mothers, infants, and children under age 5.

FCC program that discounts monthly phone and broadband service for eligible low-income households, ensuring connectivity for work, school, and healthcare.

Grants and loans to help very low-income rural homeowners repair, improve, or modernize their homes and remove health and safety hazards.

Free and low-cost financial counseling through nonprofit agencies to help individuals manage debt, create budgets, and avoid bankruptcy.

Federal programs that cap monthly student loan payments at a percentage of income, with loan forgiveness after 10–25 years of qualifying payments.

Forgives remaining student loan balances for borrowers who work full-time for qualifying government or nonprofit employers and make 120 qualifying payments.

Call or text 211 to connect with local financial assistance programs in your area, including emergency funds, rent help, food assistance, and utility aid.

Free legal services to help low-income individuals fight debt collection lawsuits, wage garnishment, and predatory lending practices.

Provides payment relief for small businesses with existing SBA loans, covering principal, interest, and fees for a period of time to ease financial burdens.

Federally funded program to help homeowners affected by COVID-19 with mortgage payments, property taxes, utility bills, and other housing-related costs.

VA financial assistance programs for veterans facing hardship, including pension benefits, special compensation, and emergency funds through veteran service organizations.

Massachusetts · Deadline Aug 31, 2026

Louisiana · Deadline Sep 15, 2026

Idaho · Deadline Oct 1, 2026

Texas · Deadline Sep 30, 2026

Virginia · Deadline Sep 30, 2026