Money Assistance Maryland
Maryland is a state with a below average poverty rate. With 10.1% of residents falling under the national poverty level, it is ranked 3rd in the country with one of the lowest poverty rates. However there are still a large number of residents who are doing it tough. If you are one of the many individuals or families who are struggling financially, take advantage of the different financial support programs available. There are numerous financial assistance services that cover most living needs.
Assistance with Utilities: There are three energy assistance programs in the State to help low-income families deal with their home energy bills. The Maryland Energy Assistance Program (MEAP) helps families with their heating bills and also has limited funds to help replace broken or inefficient furnaces. The Electric Universal Service Program (EUSP) helps with paying current bills, past bills and putting in place efficiency remedies to lower future bills. The Utility Service Protection Program helps stop low-income families from getting cut off from utility services.
Food Assistance: Maryland’s iteration of the federal SNAP, Supplemental Nutrition Assistance Program is the Emergency Food Assistance Program (TEFAP) which aids low income families and individuals with supplementing their grocery budget. There is also a Maryland Food Stamp program that can help families visit food banks for extra food items when needed.
Loan Help: Learn about the different specialty loans provided by non-profits, credit unions and some banks. These loans are specifically for low income earners or those with poor credit and are great alternatives to expensive micro lending loans. Get information on these loans here.
Rent and Mortgage: Maryland offers three different mortgage and foreclosure aid programs through its Department of Housing and Urban Development. The Lifeline Refinance program to help those that have fallen behind on current payments, the Homesaver Refinance program for those in delinquency on their mortgage, and Bridge to HOPE that help stop foreclosures with short term payment help. Renters facing eviction or needing rental housing assistance can do so through the same department under the Federal Section 8 HUD program.
Medical Assistance: Besides the federally funded Medicaid program in Maryland, residents can also rely on Maryland Health Care and Community Clinics that is a non-profit based organization that provides low or no cost quality health care to those without insurance or are low or no income individuals or families. The Maryland Health Insurance Plan helps those that do not qualify for other programs and need health coverage, it is state administered.
Educational Assistance: With at least 5 need based grants available annually in the State of Maryland to those students in need of financial aid found here, higher education can be an option. Besides needs-based there are also unique population grants, merit based, legislative scholarships and even career based grants. There are also Federal Student Aid Programs that can help students in various situations achieve payment aid. Through a Child Care Subsidy or Purchase of Child Care (POC) Maryland also helps families find subsidized child care.
Charities: With over 700 listed charities in Maryland there is bound to be a few that will be willing to help out with your current needs. These charities specialize in many different areas including housing, food, education, parenting, mental health, drug and alcohol addiction and many other areas that you may need help with. You can search this database or browse here.