Safety Net Programs
Unexpected twists and turns in life can cause you to feel overwhelmed and sometimes, you may not know where to turn. The good news is, there are many programs at the federal, state, and local levels that are designed to provide help when you need it most. During unprecedented times like these, it's good to know that help is available for some of life's most difficult situations, including the common situations below.
Please keep in mind that you are not alone, and as such, some of the agencies and programs are currently overwhelmed and stretched somewhat thin. It may require a little more patience than usual, but be persistent as you are reaching out to these various entities.
Finding yourself suddenly unemployed can be a very stressful and scary situation. Fortunately, there are resources available to you that can help lighten the financial burden while you're looking for your next job. If you lost your job related to the COVID-19, there are even special provisions to get you financial assistance, including help for individuals who are self-employed. Get Help
Children and Families
During times of hardship, we do our best to ensure the safety and wellbeing of our families. If you've happened upon challenging times, there are a number of programs designed to help from assistance with food, to childcare, to economic stimulus payments, to health and wellness. You're not alone, and neither is your family. Get Help
When hardship hits, it's easy to rack up debt and all that comes with it. From creditors calling, to unexpected expenses, to loss of a job, to unexpected medical bills debt can start piling up quickly. Fortunately, there are a number of programs, tools, and strategies to help reduce payments and save money on your debt each month from debt consolidation and settlement, to lowered interest rates, to waived late fees, there are solutions to help ease the pressure of the weight of mounting debt. Get Help
Housing, Mortgage, and Rent
Keeping a roof over your family's head is one of the most basic and fundamental needs. When hardship strikes, maintaining expenses associated with your home can be difficult. Whether you're struggling with rent, mortgage payments, or utilities, there are programs, resources, and strategies to help keep you in your home, and sometimes it's as easy as calling your lender, landlord, or utility company. Get Help
Whether you're in primary school, secondary school, or you're off to college, students can be especially vulnerable to hardship. You may have basic needs like food and shelter, or perhaps you need financial relief from student loans and other financial obligations. The good news is, help is available for students and you can tap into resources that will make being a student a bit easier during these difficult times. Get Help
When you own your own business, it's easy for credit cards and other debts to become a problem. Sometimes, even making payroll, paying vendors, paying rent, or keeping the doors open at all can seem like an insurmountable challenge, especially if you've been forced to close your doors due to the coronavirus. It's great to know there are resources at the federal, state, and local levels to help you during times of crisis, and weather the storm until your business is thriving again. Get Help
Physical, Mental, and Emotional Wellness
During times of hardship, it is important to do the best you can to make sure you take care of yourself after all, it's nearly impossible to take care of others when you're not looking out for YOU. Check out the links below to get some facts, dispel some myths, get some tips, and learn some coping techniques to keep you balanced, even when dealing with stressful situations. While some of these resources are specific to the coronavirus, there are many practical tips and tools that can help keep you well as help you navigate any type of hardship.
Unfortunately, there are many bad actors that try to take advantage of people who are enduring hardship. Scams, fraudulent offers, and attempts to steal your information come in all forms, shapes, and sizes. The good news is, you don't have to become a victim. Take a look at the useful tips and tools below that will help you safeguard your information and protect yourself from being taken advantage of.
We know that hardship brings worry and stress. There is a ton of information out there and you may not know where to start. Fortunately, many entities, including creditors, lenders, service providers, legal entities, and more, are willing to provide assistance and leniency while you're working to figure things out. As we are facing this pandemic crisis, you'll notice that many websites have COVID-19 disclaimers atop their websites; these links generally provide guidance and assistance regarding specific policies and protocols that these entities are enacting. Click on these links to see what their procedures are for helping their customers during these uncertain times. In many cases, they will ask you to reach out directly and walk you through how they can be of assistance.
These are just a few of the common situations that you may be facing during times of hardship. Click on the "Get Help" button above to learn even more about specific help and resources available to you.