More people in the United States than ever having been learning to cope with lower incomes, whether due to retirement or a turn of fortune. Fortunately, there are many resources available online, from grants to assistance to advice and more. We’ve compiled a set of such resources for coping on a lower income. For those without Internet access, check your public library or community center.
Federal Student Aid — The Federal Student Aid site details the types of federal student aid grants and scholarships available.
QuestBridge — QuestBridge has information on resources for high-achieving low-income students, plus resources for educators.
The Education Trust — The Education Trust’s sole objective is to advocate for students with high academic achievement, especially those in low-income situations, and to that end offers a number of tools, including one to help in choosing a college based on performance.
Bloomberg Philanthropies — Bloomberg Philanthropies has an initiative to aid students who are high-achieving yet low- and moderate-income.
FinAid — FinAid provides information on educational loans, scholarships and military aid, as well as several dozen financial calculators, plus tips on choosing a college, options for online degrees, jobs and internships and more.
JKCF — The JKCF (Jack Kent Cooke Foundation) site has scholarship, grant and other info intended for “exceptionally promising” students from low-income families.
First Generation Student — First Generation students are often from low-income families, and this site caters to them, offering tips and information about finding and paying for degrees at reduced cost.
GoCollege — The linked page on the GoCollege site has info on grants for low-income students, while the overall site has info on financial aid in general, college admission, a college survival guide and more.
Food and Health
HealthCare.gov Subsidy Info — This page of the HealthCare.gov site provides and income range table for determining if a household is eligible for lowered health insurance rates.
AARP Healthcare — The AARP (American Association for Retired Persons) Healthcare site provides info for low-income healthcare resources such as SHIP (State Health Insurance Program), ECA (Eye Care America), HRSA (Health Resources and Services Administration) and offers a Community Health Center Locator service.
U.S. FNS — The Food and Nutrition Services (FNS) branch of the USDA has a number of food assistance programs including WIC (Women, Infants and Children) and SNAP (Supplemental Nutrition Assistance Plan).
Medicaid — Medicaid.gov provides all the information you could need regarding Medicaid, CHIP (Children’s Health Insurance Plan) and other health-related programs.
Food Research and Action Center — FRAC (Food Research and Action Center) publishes information about initiatives, federal food/ nutrition programs, state initiatives and data and publications relating to hunger and poverty.
Need Help Paying Bills — This is a general site that provides a wide range of links to state and local assistance programs, debt counseling, charity assistance, health care and more.
Benefits.gov — This page of the Benefits.gov site has by-state links to information about various types of federal benefits, with additional options to search by category or agency.
USA.gov — The U.S. government provides a long list of assistance programs on this Benefits page, with categories including health and nutrition (SNAP, medicaid, medicare), job and unemployment (EITC, SS, UI, Training), education (loans, school meals) and more.
Seniors Resource Guide — This page of the Seniors Resource Guide lists federal, state and local options for low- to moderate-income seniors.
CAEL — This page of the CAEL (Council for Adult and Experiential Learning) site outlines initiatives for providing people of low-income or who are unemployed with job training and education.
DMV.org – Low-Income Car Insurance — This page of the DMV.org site (not associated with the U.S. Department of Motor Vehicles) provides information about states that have government-sponsored car insurance for low-income families.
WiseBread – Top 100 Frugality Blogs — WiseBread, a top personal finance and frugal living blog, offers a useful list of the top 100 frugality blogs and sites based on multiple calculated factors — all of which offer valuable tips on stretching the dollar, saving money and building wealth.
WPFP — The Working Poor Families Project (WPFP) publishes reports and articles about the increasing economic divide in the United States, as well as links to relevant organizations and resources.
Ascend — Ascend at The Aspen Institute works towards helping parents and children “educational success and economic security” by highlight ideas and collaborations in that vein.
IRS.gov Taxpayer Advocate — This page of the Taxpayer Advocate Service site (of the IRS) offers LITC (Low Income Taxpayer Clinic) and eligibility information for low-income taxpayers seeking assistance in resolving a tax dispute with the IRS – complete with state map interface for easier search.
FCC.gov Lifeline — The linked page on the FCC.gov site has info for affordable telephone service options for low-income subscribers under the Lifeline program.
AARP — The AARP (American Association of Retired Persons) Low-Income Assistance page has links to articles on the site about tax help, income assistance and other ways to expenses.
NLIHC – Resource Library — The NLIHC (National Low Income Housing Coalition) Resource Library offers publications, tools, research and reports related to advocacy work on housing programs for low-income families.
HUD.gov — This page of the U.S. HUD (Housing and Urban Development) site covers rental assistance and has links to information on rights and responsibilities for tenants, while other pages have information on affordable housing.
U.S. OCC LIHTC — This page of the U.S Dept of the Treasury’s OCC (Office of the Comptroller of the Currency) site has information on low-income housing tax credit program plus links to various housing organizations.
U.S. OCS LIHEAP — This page of the U.S. OCS (Office of Community Services) provides information about LIHEAP = Low Income Home Energy Assistance Program, while the overall site covers others state and community programs to assist low-income families. Also see http://liheap.org/ to learn about the fight to keep LIHEAP funding from declining.
ShelterListings.org — The Shelter Listings site has information by state for finding low-income, low-cost and supportive housing; homeless and day shelters and halfway housing.
Energy.gov WIPO — This page from Energy.gov has information about assistance for weatherization and energy bills for low-income families.
LowIncomeHousing.us — LowIncomeHousing.us offers a map-based interface to search for affordable housing options across the United States for low-income individuals and families.
Women, Children, Babies
Single Mother Guide — Single Mother Guide lists many resources for single mothers as well as statistics on single parenting.
NWLC — The NWLC (National Women’s Law Center) monitors laws and policies favoring women and families, and has a Poverty and Income Support section that contains articles and reports about available family support programs, family tax credits and more.
Women Employed — Women Employed is not specifically about low-income resources but works to increase opportunities and respect in the workplace for working women.
IWPR — IWPR (Institute for Women’s Policy Research) discusses policy and the status of women in the U.S., jobs, education, paid leave and equal pay.