4 Tips To Get Financial Aid for Single Moms

As many single moms will tell you, it is not easy being a single mom and having to care for children and be the sole provider for their every need. You may find yourself working more than one job and you may find yourself in the predicament where your finances grow as your children grow only to leave you financially drained and with limited resources left there are various types of assistance that single moms are able to apply for which include:

  • Loans
  • Grants
  • Scholarships

If you are beginning to find that supporting your family is getting increasingly difficult applying for one of the assistance methods mentioned above may be your best option. Below are some simple to tips that will help you when applying for aid:

1) Your local government offices offer you the ability to speak with someone face to face but the problem with the government offices is it is typically a first time, first serve basis and depending on the need in your area you may have a hard time getting in. So another option is to seek out smaller private organizations aimed at helping single moms. Your local church or even a local group of other single moms in your areas may be able to provide you with a list of referrals in your area.

2) Once you have found a group or an organization in your area it would be a good idea to meet with the program director face to face and discuss with them their program and the type of help they are able to offer you. Tell them about your situation and find out if you are able to qualify for one of their financial assistance programs.

3) Depending on organization you have applied to you may be asked to submit information about your financial situation. So it is best to be honest with the questions that they ask you so they can give your application the proper assessment.

4) Be patient. Once you have submitted your application you will need to give them some time for them to process your application. You may get a follow-up phone call from the organization or program manager asking for additional information or asking for you to provide additional documentation (birth certificates, bank information, copy of your bills, etc). Even though it may take time to hear back still contact them to find out your application status.

4 HUD Tips For Single Moms

If you are tired of living in a cramped apartment with your family and are ready for home ownership but need assistance with finding affordable housing one organization that may be able to offer help is the HUD (Housing and Urban Development) program.

1. First Time Home Buyer

The First time home buyers’ assistance program is designed specifically for those that have never owned a home and are currently living in an apartment and are ready for home ownership. They can often assist with a home of your choosing that meets their requirements or you can choose from a HUD home. These homes are already approved for their program and you can search through their online database of available homes in your area. The first time home buyer programs offers single moms and other looking to purchase a home a variety of valuable resources in order for you to apply for the program which may include taking a first time homebuyer class that will cover a number of topics from home maintenance, judging how much home you can afford to saving up in the case of an emergency.

2. Home Repair Help

If you have the home either through a divorce settlement or after you have already purchased a home on your own, you know how important it is to maintain your home and make any necessary repairs to your home. While you may be able to cover small repairs if you have a large repair (i.e. Roof damage) then HUD offers a home repair program to help single moms repair their home. They provide assistance through providing a low interest rate loan.

3. How to Find Home Assistance Programs

If you do not have a PC in the home then you can use the program at your local library. If you are unable to find someone to watch your kids while you are at the library some libraries offer programs designed for kids to help keep them busy while you are looking online for assistance programs. The internet is a good resource to help you find agencies in your area with information on applying. You can also contact HUD directly via phone (202) 708-1112.

4. Other Resources Offered Though HUD

If you have yet to finish high school or attend college then HUD has programs that will offer educational assistance and career training to help you get started on the right track.