Raising a child or two on your own may be a challenging endeavor. Obtaining a degree on top of that might be even more time and money-consuming. College costs are continuously rising, and returning to school offers significant benefits. It assists in achieving professional objectives, increasing income, and enhancing job stability. Financial help in a single mom grant provides single mothers the push and confidence they need to pursue their educational goals.
The word “grant” refers to how the United States government redistributes resources to qualifying beneficiaries. This article examines several sorts of grants available to single mothers in the United States.
What are Single Moms Grants?
A grant is a monetary, educational, or another type of support given by the government, organizations, businesses, or trusts to those who earn less than a certain amount. Unlike a loan, there is no interest on the money, and the recipient is not required to repay it. Grant money is free from taxation as well. These financial assistance programs are designed to help moms become self-sufficient in raising their children in a joyful and pleasant environment by meeting all of their children’s requirements.
Types of Grants for Single Moms
There are various types of grants offered by US Government establishments for single mothers. Go through this list to choose the one that suits your needs best:
To Pay Bills
Here are some of the grants that can be helpful in paying bills:
Temporary Assistance for Needy Families
The Temporary Aid for Needy Families (TANF) program provides states and territories with grant monies to provide financial assistance and related support services to low-income families. Childcare aid, employment preparation, and work assistance are state-run initiatives.
Diversion Cash Assistance
Families that have a short-term need but do not want to accept Temporary Support to Needy Families (TANF) assistance might obtain Diversion Cash Assistance (DCA).
Families who fulfill the income and resource standards AND can show that they expect to have enough income and resources to meet their long-term needs. Families who get this aid are unlikely to require TANF assistance in the coming year. The income and resource criteria for TANF and Family Medical are the same. We only include half of your earned income for calculating net income, and we credit you for child support provided by your family.
Supplemental Nutrition Assistance Program
The Supplemental Nutrition Assistance Program (SNAP), originally known as the Food Stamp Program, is a government program that assists low- and no-income persons with their food purchases. It offers nutrition benefits to help low-income families augment their food budgets so they may buy nutritious food and work toward self-sufficiency.
Child Care Grants
Here are some child care grants to fulfill all your and your child’s needs:
Women, Infants and Children Program
The Special Supplemental Nutrition Program for Women, Infants, and Children are administered by the Food and Nutrition Service of the United States Department of Agriculture. It provides benefits like healthcare and nutrition to low-income pregnant women, breastfeeding mothers, and children under the age of five.
Child Care Assistance Program
The Child Care Assistance Program (CCAP) provides financial assistance to families that need help paying for child care. All child care provider support is handled by the Division of Child Care, while the Division of Family Support assists clients in applying for the program.
Child Care Access Means Parents in School Program
CCAMPIS’ mission is to promote low-income parenting students’ access to post-secondary education by providing excellent, affordable, and accessible child care services while they pursue their education. The CCAMPIS grant was given to UCLA in October 2021.
To Return College / School
Here are some grants and scholarships that can help you in continuing your education:
Federal Supplemental Educational Opportunity Grant
The FSEOG provides financial assistance to low-income undergraduate students who require a large amount of financial aid to pay for education. Depending on the amount of additional help you get and the availability of grant funding at the institution you’re attending, awards can range from $100 to $4,000 every year. Each member school’s financial aid office administers the FSEOG program directly. Not every school takes part. Find out whether your institution offers the FSEOG by contacting the financial assistance office.
Federal Work-Study Grant
Federal Work-Study gives part-time work to financially needy undergraduate and graduate students, allowing them to earn money to help pay for their education. Community service and jobs relating to the student’s topic of study are encouraged as part of the curriculum.
Federal Student Loan
Student loans from the federal government are an investment in your future. You should not be frightened to borrow money from the federal government, but you should do it wisely.
When compared to alternative options for paying for education, federal student loans provide several advantages like lower interest rates and flexible repayment plans.
To Buy a House
Here are some grants that would help you in buying/renting/leasing a house with ease:
Section 8 Rental Subsidy
The program functions as a rental assistance program, allowing families to contribute a fair portion of their income toward their rent. Families that qualify will be given a voucher to start looking for homes. In most cases, families will contribute no more than 40% of their adjusted monthly income to their rent share.
Public Housing Program
Public housing refers to flats or homes that the government rents to low-income persons cheaply. Low-income families and individuals are eligible for public housing. An HA assesses your eligibility based on three factors: 1) your yearly gross income; 2) if you are elderly, disabled, or a family; and 3) your citizenship or eligible immigration status in the United States.
Low Income Home Energy Assistance Program (LIHEAP)
The Low Income Home Energy Assistance Program (LIHEAP) helps keep families safe and healthy through efforts that assist families with energy bills. They help people manage the expenses of home energy bills, energy emergencies, weatherization, and energy-related minor house repairs with government funds.
LIHEAP may assist you in staying warm in the winter and cool in the summer by providing programs that lower the risk of health and safety issues associated with inefficient heating and cooling.
HUD Grant for Housing
HUD aims to build strong, sustainable, and inclusive communities and high-quality, affordable housing for everybody. HUD’s mission is to improve people’s lives and communities to realize America’s ambitions. HUD sets the lower and very low-income restrictions at 80 percent and 50 percent of the median income for the county or metropolitan region in which you choose to live, respectively. Because income restrictions differ by HA, you may be qualified for one but not for another.
To Start Business
These grants would help you in starting up your own small business:
Head Start / Early Head Start
Head Start and Early Head Start are free, federally supported programs that help children from low-income families become ready for school. Pregnant women and families with children under the age of three are eligible for Early Head Start. Children aged 3 to 5 are served through Head Start programs.
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