Money Assistance Rhode Island
Rhode Island ranks at number 24 for poverty level according to Poverty USA. With 14.3 percent of residents living in poverty, there is a great deal of the population experiencing financial stress. Luckly there are numerous programs in place via the government and non-profits to assist people who need help paying their monthly bills in addition to many more services. If you are struggling to cover some of your basic necessities, you may qualify for assistance.
Assistance with Utilities: Rhode Island residents can get help with heating and energy bills through the Low Income Energy Assistance Program, which offers financial assistance for heating bills during the winter. Families can also get help with winterizing their home and catching up on past-due utility bills. Residents must meet income guidelines to qualify for help. You must reapply every year. In addition, action centers also provide energy assistance.
Food Assistance: If you need help getting food on your table, you may be able to get a monthly stipend to help assist with your grocery bill. The Supplemental Nutrition Assistance Program (SNAP), formerly known as Food Stamps, provides help to low-income families. Women with small children or who are pregnant may qualify for help through the Women, Infant and Children (WIC) program. Additionally, families can get more support through local food banks which provide food to the needy. Families with school-aged children can also apply free or get reduced lunch rates for their kids through the local school district.
Loan Assistance: If you have had trouble qualifying for a loan from a bank and do not want to take out an expensive micro or payday loan, then try a specialty loan. Get detail on a range of loan options provide by credit unions, some banks and non-profits. These specialty loans were created to provide borrowers a cheaper alternative to the payday type loans - Learn about these loans here.
Rent and Mortgages: Families who are living on a low-income may qualify for assistance through Section 8 Housing, which offers subsidized housing units in a safe environment. Residents must apply and meet certain financial levels to qualify. In addition, Rhode Island Housing offers help through Safe Haven (housing for homeless individuals) and Transitional Housing (low-cost housing to help formerly homeless individuals become self-sufficient).
Medical Assistance: Low-income families can get free health insurance through the state Medicaid program. The program is income based and requires an interview as well as proof of financial need. If you have children under the age of 18, and don’t qualify for Medicaid coverage, you may be able to get lower-cost health insurance for your children through the Children’s Health Insurance Program (CHIP). You’ll have to pay a premium every three months, but it is more affordable than traditional insurance. In addition, residents can take advantage of low-cost health care through free clinics.
Educational Assistance: Rhode Island students can get help through the Rhode Island Higher Education Assistance Authority which provides access to grants, scholarships and other college funds. In addition, residents can apply for help through the Federal Pell Grant Program which offers free grants to students from lower-income families. Families with small children can get help for early education through the state’s Head Start Program.
Community Action Centers: If you need additional support, you may be able to get the help you need through Community Action of Rhode Island. These centers offer assistance to low-income families including food, health care and emergency housing. Additionally, you may be able to get help training for and finding a job.
Charities: According to Wallethub, Rhode Island ranks as the 43 most-giving state in the country. While this is one of the lowest on the list, there are still plenty of chances to get help through local charities like Plan USA and Rhode Island Center for Assisting Those in Need.