Money Assistance Michigan
Michigan has a higher poverty rate than most states, ranking at number 37. It is estimate that 17 percent of state residents are living at or below poverty level. In addition, Poverty USA has identified that 24 percent of children in the state are living in poverty. If you are one of the individuals or families facing financial uncertainty due to job loss, unstable work, disability or other circumstances, you may qualify for assistance from one of the many programs available to Michigan residents.
Assistance with Utilities: If you are struggling to pay your utility bills each month, you may qualify for help through the Department of Human Services Energy and Weatherization programs. Options for assistance include a home heating credit which helps reduce heating payments. You could also qualify for state emergency relief which helps families in immediate need. Additionally, weatherization services including free insulation in walls, attic and foundation, smoke detectors and drying venting is offered to qualified families who meet the income-based standards.
Food Assistance: Michigan residents can get temporary food assistance through the Supplemental Nutritional Assistance Program. Residents must provide proof of income to qualify for assistance. The program offers monthly stipends that can only be used to purchase food. Families with children attending public schools may qualify for the free or reduced lunch program which provides a school lunch at a reduced rate to qualifying family. Additionally, pregnant women and women with children under the age of 5 may qualify for help through the WIC program.
Loan Assistance: Qualifying for a loan can be difficult as a low income earner as you may not fulfill the serviceability criteria that mainstream lenders have in place. Because of this, many borrowers turn to short-term or micro lending providers like payday loans. There are better options; many banks actually have specialty loans for low income earners or those with bad credit. In addition, there are different non-profits and credit unions that also provide assistance. Learn more about these loan options here.
Rent and Mortgage: Low income families may qualify for subsidized housing through Section 8 Housing. The program offers apartments at a reduced rate. Qualifying families may also get assistance the Helping Hand program which helps prevent families from getting kicked out of their home. The program allows families to apply for help with rent and access to other educational services including foreclosure prevention services.
Medical Assistance: If you need help paying for medical expenses, you could get free health insurance through the state health care program. The Medicaid provides free essential health care coverage to low-income families, the disabled and the elderly. The program is income based. Families who don’t qualify for coverage through Medicaid can apply for low-cost insurance for their children through the Children’s Health Insurance Program (CHIP). Additional assistance is available for caretakers.
Educational Assistance: If you have a low income and young children in your home you could qualify for assistance through the Head Start Program. The program offers early-education programs for children raised in poverty. Potential College Students can get help through the Federal Pell Grant Program which offers free money for tuition to families from lower-income families. Additionally, students who complete high school, enroll in an associates or bachelor’s program in Michigan may qualify for the Tuition Assistance Program which offers help paying for the first two years of college.
Community Action Centers: Residents who need additional support can find help through Michigan Community Action. Local agencies are located throughout the state and provide easy access to applications for assistance. In addition residents have access to educational and employment services. If you need emergency services (immediate help find a place to stay, food and utility help) your local community action center will help find emergency resources.
Charities: Michigan ranks as the 26th most giving state in the country. This is great news for individuals who need a helping hand. You can find additional support through local charities including Avalon Housing, Health Access, Helping Hands and Secom Ministries.