Money Assistance Tennessee
Tennessee ranks as the 39th state in regards to poverty levels. With 17.8 percent of residents considered to be living in poverty and 26.5 percent of the state’s children living in homes that are considered at or below the poverty level. If you are having a difficult time paying your bills and are falling into debt, get financial assistance today – Below is a list of financial services which covers most household needs.
Assistance with utilities: Residents can get help with their monthly utility bills through the Low-Income Home Energy Assistance Program which offers subsidized heating costs for the elderly, disabled and low-income families. Residents can also get free help winterizing their homes to help further reduce their energy expenses. In addition residents can get help through the On Track Assistance Program offered by Memphis Light, Gas and Water. The program offers help to individuals who are behind on their monthly utility bills.
Food Assistance: Low-income families can get help with their food bills through the state food stamps program, The Supplemental Nutrition Assistance Program. Qualifying residents will receive a monthly stipend that can be used to pay for food at participating stores. In addition, pregnant women and women with young children may qualify for help through the WIC program. Families who don’t qualify for help through the food stamps program may be able to get help through local food pantries.
Loan Help: Learn about the different loan options available to those finding it difficult to qualify for mainstream loans from banks and credit unions. In many instances borrowers believe there only source of cash is via payday type lenders, there are better options available – Review options here.
Rent and Mortgage: Low-income families may qualify for income-based housing which offers subsidized rent for families that meet certain income requirements. The Section 8 Housing program is offered through Housing and Urban Development (HUD). Residents may also qualify for help with deposits or rent payments through HUD and the Housing Choice Voucher Program. This program is designed for very low-income families.
Medical Assistance: Residents who need help covering their medical expenses may qualify for free health insurance through the state Medicaid Program. Low-income families that don’t qualify for Medicaid may apply to get low-cost insurance for their children through the Children’s Health Insurance Program, known as CoverKids. Residents can also access free health care at free clinics located throughout the state.
Educational Assistance: Students who need help funding their college education in Tennessee can get help through the Tennessee Student Assistance Corporation. The program is designed to help students pay for college. In addition, future students can get help with college tuition through the Federal Pell Grant Program which offers college grants to full-time students from low-income families. Homes with small children may qualify for help through the Head Start Program.
Community Action Centers: If you need additional support you can find support at the local Community Action Centers. These centers provide help to low-income families and individuals. You can get help with applications for public assistance, finding grants and finding emergency housing or food supplies. In addition, residents can access employment training opportunities. The programs are designed to help individuals become more self-sufficient. Check out the Tennessee Association Community Action site for centers close to you.
Charities: Despite the higher-than-average poverty rate, Tennessee ranks as the 27th most giving state in the country, according to WalletHub. This is great news for families in need as there are plenty of people and organizations willing to lend a helping hand. In addition to previous resources, you can also get help through are charities like the Community Health Charities of Tennessee, Appalachia Service Project, Memphis Union Mission and Feed America First.