Grants for Single Mothers

There is a wide range of grants for single mothers in the United States, primarily available through government programs and specialized nonprofit organizations.

Programs such as TANF cash assistance, SNAP food benefits, WIC nutrition support, and child care subsidies have long played a crucial role in providing much-needed financial support to single mothers in times of need.

Even financial aid for higher education, such as the Pell Grant, offers meaningful support to low-income students, many of whom are single parents, by helping them afford the cost of college.

Additional assistance is also available through public programs such as refundable tax credits, Medicaid and LIHEAP, which helps low-income households pay for home heating and cooling costs.

This guide explains the main types of grants available to single mothers in the U.S., who qualifies, and how to apply. Most of these are awarded based on financial need, with priority generally given to households whose income falls near or below the federal poverty level.

Grants Overview (2026 Update)

Cash Assistance Program

Programs that provide direct cash payments or refundable tax credits to help single-mother households meet basic needs.

1. TANF (Temporary Assistance for Needy Families)
   Temporary cash assistance for low-income families with children.
2. Child Tax Credit
   Up to $2,200 per qualifying child (under age 17) in 2025. A portion is refundable as the Additional Child Tax Credit.
3. Earned Income Tax Credit (EITC)
   Tax credit for low-to-moderate income working families.

Food & Nutrition Assistance

Programs that ensure access to nutritious foods for eligible pregnant women, infants, children, and low-income families.

4. SNAP (Food Stamps)
   Monthly food assistance for low-income households via EBT.
5. Women, Infants & Children (WIC)
   Nutrition support and healthy foods for pregnant women, infants, and children up to age 5.

Child Care Assistance Programs

Programs that help low-income families afford child care so parents can work, attend school, or participate in training programs.

6. Child Care Assistance Program (CCAP)
   Helps lower child care expenses for eligible families by reducing out-of-pocket costs.
7. Head Start & Early Head Start
   Free early childhood education and health services for eligible children from birth to age five.

Housing & Utility Assistance

Programs that help low-income families afford stable housing and essential utilities, including rental support and assistance with heating and cooling costs.

8. HUD Section 8
   Housing Choice Vouchers that subsidize rent in privately owned housing.
9. LIHEAP
   Helps with heating and cooling utility bills.

Education Grants

Programs that provide need-based financial aid to help eligible students cover tuition and other educational expenses at approved institutions.

10. Federal Pell Grant
    Up to about $7,500 per award year for eligible students who complete the FAFSA.
11. Federal Supplemental Educational Opportunity Grant (FSEOG)
    Supplemental grant aid for students with exceptional financial need.

Federal Pell Grant

Beginning in the 2024—25 award year, Pell Grant eligibility will be determined by a new formula. For many, this new formula, called the Student Aid Index (SAI), will make it easier than ever to be eligible for federal financial aid programs such as the Pell Grant.

Pell Grant is America’s largest student aid program that provides grants to the neediest students to attend college, many of whom are single parents.

These grants are awarded on a sliding scale, ranging from $740 to $7,395 for the 2026—2027 academic year, and do not need to be repaid.

Eligibility for this grant is based on demonstrated financial need and students must submit the FAFSA each year to be considered.

Due to FAFSA simplification changes, Pell Grant eligibility calculations will now be based predominantly on the federal poverty level and family size.

One of the most significant changes is a higher income cutoff for parenting students, especially single parents, to qualify for the maximum Pell Grant.

For the 2026—2027 academic year, a single mother in a household of three may earn up to $58,095 and still qualify for the maximum Pell Grant of $7,395.

How do single mothers apply for Pell Grants?

The first step in applying for a Pell Grant is to complete a Free Application for Federal Student Aid. The deadline for submission is June 30 each year or as early as October 1 of the preceding year.

As a single mother, your independent status usually place you in a higher-need category for grants since only your own income is counted — not your parents.

Department of Education
Federal Student Aid Information Center (FSAIC)
(800) 433-3243

Scholarships for Single Moms

In addition to grants, scholarships are a major source of financial aid for single mothers pursuing higher education. Unlike loans, scholarships do not need to be repaid and can be used to help cover tuition, fees, books, and other education-related expenses.

These opportunities come from a variety of sources, including federal and state governments, private organizations, non-profits, and educational institutions themselves.

The scholarships listed below highlight some of the most well-known opportunities available to single moms, including both national and program-specific awards.

Soroptimist Live Your Dream Awards

Founded in in 1921, the Soroptimist “Live Your Dream Awards ” provides scholarships to women who demonstrate financial need and are the primary income-earner for their family.

Soroptimist International of the Americas
1709 Spruce Street
Philadelphia, PA 19103-6103
(215) 893-9000

Patsy Takemoto Mink Education Foundation Scholarship

This private scholarship of up to $5,000 is offered to low-income women with children by the Patsy Takemoto Mink  Education Foundation. Priority is given to single mothers with minor children who are pursuing education or training and meet all stated criteria.

Patsy Takemoto Mink Education Foundation
(808) 351-7013

Jeannette Rankin Women’s Scholarship Fund

Jeannette Rankin Women’s Scholarship Fund  offers scholarships and support for low income women, ages 35 and older, without discrimination. Its primary aim is to economically empower all women through post-secondary education.

Jeannette Rankin Foundation
1 Huntington Road, Suite 701
Athens, Georgia 30606
(706) 208-1211

Women’s Independence Scholarship Program (WISP)

WISP  provides long-term scholarships and support services to help single mothers who are survivors of domestic violence achieve financial independence through education.

Women’s Independence Scholarship Program
4900 Randall Parkway Suite I
Wilmington, NC 28403
(910) 397-7742

Federal Supplemental Educational Opportunity Grant

Similar to the Pell Grant, FSEOG is a type of supplemental grant that is awarded to students with “demonstrated financial need” as determined by the FAFSA.

Priority is given to those with “the absolute highest levels of need” — those with the lowest Student Aid Index (SAI) and those who are also Pell Grant recipients.

Eligible students may be awarded supplemental grants anywhere between $100 and $4,000 a year based on the gravity of their needs and fund availability.

However, not all institutions participate in the FSEOG program. Students should check with their financial aid office to confirm its availability.

Department of Education
Federal Student Aid Information Center (FSAIC)
(800) 433-3243

Federal Work-Study Grant

Federal Work-Study (FWS) is a federally subsidized financial aid program that gives single-parent students a way to earn money by doing part-time work on or off campus, often in their chosen field of study.

Unlike a standard grant that is applied directly to a tuition bill, FWS funds are earned as a paycheck based on the hours a student works.

Students may work up to twenty (20) hours a week and receive a monthly paycheck based on an hourly wage, which they can use for educational expenses.

However, this “earn-while-you-study” option will work only if you have minimal living expenses and have family support to meet your child care needs.

Federal Student Loan

For single mothers “going back to school” who need more assistance beyond Pell grant, student loans — either subsidized or unsubsidized — are often offered as part of a total financial aid package.

Although the least desirable form of financial aid, federal student loans allow you to borrow money for college at interest rates that are lower than most private loans and defer interest payments until after you graduate.

What is the interest rate on student loans in the US?

As with most federal student aid, you will first have to complete and submit a FAFSA. To be considered, you need to check “yes” in the section of your FAFSA that asks about your interest in student loans.

Temporary Assistance for Needy Families (TANF)

TANF is the nation’s primary cash assistance program for needy families with children under the age of 19. Its primary aim is to help these families achieve self-sufficiency through a combination of short-term financial assistance and work opportunities.

It provides a small cash amount on a monthly basis for food, clothing, shelter and other essentials ― for up to a period of 60 months, although many states adopt shorter time limits.

These cash grants is often referred to as “welfare” and the conditions under which you can receive it largely depend on where you live. States with larger African American populations, all else equal, have less generous and more restrictive TANF policies.

Can I get money for being a single mom?

Yes. Most states provide single mothers a generous welfare package that includes food stamps, cash assistance, WIC, childcare assistance, rental assistance, and more.

For example, a single mom with children under the age of 19 earning little or no income may be eligible for cash assistance under TANF, but most recipients are required to work or participate in work activities for a minimum number of hours per week.

These requirements vary by family size, age of children, and other factors. For single mothers with a child under six, the total participation requirement is 20 hours per week in a core activity.

Which state pays the most TANF benefits?

TANF cash assistance levels differ substantially among states. For a family of three, the maximum monthly benefits range from as low as $204 in Arkansas to $1,333 in New Hampshire, the most generous of any state.

Unlike many states that spend a smaller portion of their TANF block grants on direct cash aid, New Hampshire chooses to prioritize higher cash support for families in need.

Diversion Cash Assistance (DCA)

Diversion Cash Assistance (DCA), often known as Emergency Cash Assistance, is designed to provide immediate assistance for single mothers in times of emergency, such as eviction, utility disconnection, or car repair needs.

It acts as an alternative to ongoing Temporary Assistance to Needy Families (TANF) benefits, providing immediate help to prevent, or divert families from needing long-term assistance.

DCA is generally offered as a one-time payment once in a 12-month period in place of extended cash benefits, the amount of which may vary from state to state.

For example, in New Jersey, the maximum total diversion payment is $750 for a family of three,¹ and in Colorado, the maximum amount is $2,500, regardless of family size.

Application methods depend on your state. For example, in New Jersey, you can apply through MyNJHelps  or in person at the County Social Service Agency. Families in Colorado can apply through Colorado PEAK.

Supplemental Nutrition Assistance Program (SNAP)

Starting in November 1, 2025, many non-disabled adults aged 18 through 64 without children under age 14 are required  to work at least 80 hours per month to remain eligible for food assistance beyond three months in a 36-month period.

Special waiver provisions  apply in states such as Alaska and Hawaii, where high unemployment or other conditions may exempt certain areas from this requirement.

The aim of SNAP — commonly known as food stamps, is to provide affordable and healthy meals to the neediest families, many of whom are low- to no income.

It is one of the most important components of the U.S. safety net. For many of the poorest Americans, SNAP has become the only form of income assistance they receive. ²

SNAP, the nation’s largest anti-hunger program, helped over 40 million low-income Americans to afford a nutritionally adequate diet, with children under the age of 18 being the largest recipient.

The assistance comes in the form of a debit card (EBT) which the recipient can use to purchase grocery items in any participating store within their locality.

What is the highest income to qualify for SNAP?

In most cases, your household must meet both the gross (130% FPL) and net (100% FPL) income limits presented below or you are not eligible for SNAP benefits.

For a single mother of two, this equals $2,887 in gross monthly income and $2,221 in net monthly income.

In some states, assets must fall below certain limits. Most households must have less than $3,000 in assets, while households with an elderly or disabled member may have assets of up to $4,500.

The maximum SNAP benefit is the same for all counties in the 48 contiguous states and Washington, D.C, and is adjusted higher for Alaska and Hawai’i.

Since SNAP is administered at the state level, contact your state or local SNAP office to apply. Depending on your state, you may be able to submit a SNAP application online, in person, by mail, or by fax.

Women, Infants and Children Program (WIC)

WIC is a federal-funded nutrition program that provides free healthy foods to women, children and infants who are considered to be “at nutritional risk”.

Eligibility includes pregnant, postpartum, and breastfeeding women. Infants qualify until they turn one, and children remain eligible through age five.

WIC is designed as a short-term program, with eligible recipients usually receiving benefits for six (6) months to a year, at which time they must reapply.

How much do I get in WIC per month?

In a typical month, women in the program receive up to $52 per month for fresh fruit and vegetables, while children receive $26 per month. ³

Other benefits include:

Formula: Infants who are not breastfed may receive formula. The amount depends on their age and whether they are partially or fully formula-fed.

Other foods: WIC benefits also include groceries such as milk, eggs, cereal, and beans.

Nutrition support: WIC offers personalized nutrition education and breastfeeding support to help caregivers make informed choices.

What is the income limit for WIC?

To be eligible on the basis of income, your gross income (before taxes are withheld) must be less than or equal to 185% of the poverty level. For a single mother of two, that’s about $4,109 per month to qualify. WIC counts a pregnant woman as two family members.

To apply for WIC, you need to contact a local WIC agency  to set up an appointment where the representative will tell you the location nearest your home and what documents you need to bring with you.

Child Care Assistance Program (CCAP)

Click here to see what program is available in your state, each with its own eligibility guidelines and application process.

Funded by the Child Care and Development Block Grant, CCAP is a state-administered program that helps low-income families pay for child care while working, searching for a job or attending school or training.

Most states require families receiving child care assistance to contribute toward their child care costs based on a sliding fee scale that is designed to charge lower co-payments to families with lower income.

Eligibility guidelines vary by state, with each state setting its own income thresholds, often based on the State Median Income (SMI) or Federal Poverty Level (FPL).

For example, New York uses income tiers relative to the State Median Income (SMI) to determine family share and eligibility, while New Mexico provides child care assistance at no cost to families, regardless of income level.

CCAP are typically managed at the state and local levels. These local entities handle applications, determine eligibility and help families find providers.

Child Care Access Means Parents in School Program (CCAMPIS)

The Child Care Access Means Parents in School Program, known as CCAMPIS, is the only federal grant program dedicated to providing campus-based child care for low-income parents in postsecondary education.

CCAMPIS is intended to support lower-income student parents who need child care assistance in order to remain in school. Because funding is limited, many eligible students are placed on a waiting list.

Applications for CCAMPIS-funded child care assistance are evaluated based on eligibility status, household income, demonstrated need, available resources, and family contribution levels.

Students should check with their college’s financial aid office or student support services to see whether the school offers CCAMPIS or other child care assistance options, as not all colleges receive CCAMPIS funding.

Head Start / Early Head Start

Head Start and Early Head Start are federal programs designed to promote “school readiness” of children from birth to age five. They offers a wide range of services, from free medical and dental care, child education to health and nutrition to even parental involvement in the family.

While they share many features, they focus on different age groups and developmental stages. Early Head Start serves children from birth to age 3, and Head Start serves children ages 3 to 5 from families whose incomes are at or below the poverty level.

What is the maximum income to qualify for Head Start?

Children from birth to age five from families with incomes at or below the poverty guidelines are eligible for Head Start and Early Head Start.

However, there are some exceptions. Children from families receiving public assistance, such as TANF, SSI, or SNAP, are eligible regardless of income.

Other factors that affect eligibility include homelessness or children in foster care. Pregnant women may also be eligible for Early Head Start.

How do I apply for the Head Start program?

To apply for Head Start and Early Head Start, use the Head Start Center Locator  to find a program near you, or call (866) 763-6481 for more information about how to apply.

The Administration for Children and Families
Office of Head Start (OHS)
(866) 763-6481

Housing Choice Voucher Program

Housing Choice Voucher Program, commonly known as Section 8, is a federal housing program assisting the neediest families to afford housing in the private market.

The program provides rent assistance in the form of vouchers to very low-income families, seniors, and people with disabilities to cover a portion of their rent.

Voucher amounts are based on Fair Market Rents (FMRs) calculated in the area by the Department of Housing and Urban Development (HUD). ⁴

If you’re eligible, you will receive a voucher that funds 70% of your rent and utilities, but as the renter it becomes your responsibility to pay for the remaining 30%.

For example, if you earn $2,000 per month and the home you want rents for $900 per month, you would pay $600 and the voucher would cover the difference of $300.

Section 8 has historically been oversubscribed and waiting lists can run into the years. To find out about wait times in your area contact your local PHA  serving your community.

Department of Housing and Urban Development
Office of Public and Indian Housing
(800) 955-2232

Public Housing Program

Public Housing is one of the nation’s three main housing assistance programs, along with “Section 8” vouchers and project-based rental assistance.

Unlike Section 8, public housing allows eligible low-income families, the elderly, and the disabled to live in public housing units, at a rent they could afford. Most tenants pay no more than 30% of their income for rent and utilities or a minimum rent of up to $50 per month.

These homes, ranging from high-rise apartments to single-family houses, are managed by roughly 3,300 PHAs  with assistance from the U.S. Department of Housing and Urban Development (HUD).

The program generally serves families with incomes up to 80% of the median income for the county or metropolitan area in which they choose to live but may vary area to area.

To apply for public housing, you must submit an application to the local housing authority (HA) in the city or town where you wish to reside. If the HA determines that you are eligible, your name will be put on a waiting list.

Department of Housing and Urban Development
Office of Public and Indian Housing
(800) 955-2232

Down Payment Assistance (DPA) Program

Down Payment Assistance (DPA) programs are loans and grants provided by government agencies, nonprofits, and private lenders to help first-time homebuyers afford a down payment.

Nearly all U.S. counties have at least one DPA program. According to the Mortgage Report, there are over 2,600 assistance programs active nationwide at the start of 2026.⁵

While requirements vary by program, common eligibility criteria include:

• First-Time Buyer Status:
  Most programs define this as someone who has not owned a home in the last three years.
• Income Limits:
  Programs often serves households earning less than 80% to 115% of the Area Median Income (AMI). However, by early 2026, more than half of all DPA programs became available to buyers earning over $100,000 annually.⁶
• Credit Scores:
  Most programs, such as the Chenoa Fund , require a minimum FICO score between 600 and 640.
• Property Use:
  The home must be used as your primary residence, not an investment or rental property.

Every state runs an Housing Finance Agency (HFA) that helps homeowners and renters. Contact your state’s HFA  or visit its website to learn about down payment assistance options.

Low Income Home Energy Assistance Program (LIHEAP)

LIHEAP offers one-time financial assistance to qualifying low-income households who can’t afford to pay their utility bills. It is intended for those who are truly vulnerable: the disabled, elderly, and families with children.

In almost all cases, LIHEAP pays only a portion of the monthly bill, and the family pays the rest. Grants are paid directly to the utility company. No grant shall be made payable to the recipient.

To be eligible for a LIHEAP grant, the household income must not exceed the greater of 85% of the median income in the state or 150% of the national poverty level.

What if I need help with my utility bills?

If you are in danger of being without heat or need help with utility bills, you can contact the National Energy Assistance Referral (NEAR) or dial 2-1-1 to find out where and how to apply for LIHEAP in your local area.

Families who struggle to keep their homes cool during the hot summer months may apply for Summer LIHEAP. Applications open at varying dates depending on the state.

National Energy Assistance Referral (NEAR)
(866) 674-6327

For a list of local intake agencies in each county,
LIHEAP Local Providers 

Low Income Household Water Assistance Program (LIHWAP)

NOTICE: Funding is no longer available for LIHWAP. Households may not receive LIHWAP benefits at this time.

Low Income Household Water Assistance Program (LIHWAP) provides a one-time financial relief to low income families for water and wastewater bills to avoid shutoffs or disconnections.

LIHWAP grants are available to States, the District of Columbia, the Commonwealth of Puerto Rico, U.S. Territories, and Federally and state-recognized Indian Tribes and tribal organizations.

To be eligible for LIHWAP, you must have an income not exceeding 150% of the federal poverty level. Priority is given to households with the elderly, disabled or a young child under age 6.

LIHWAP will run through September 30, 2023, ⁷ or until funds are exhausted. The application process and requirements are the same as for LIHEAP.

Weatherization Assistance Program (WAP)

Weatherization Assistance Program (WAP) enables low-income families to reduce their energy bills. In most states, priority is given to the elderly and families with children.

Eligibility for weatherization assistance varies by state, but in many cases households qualify if their income is at or below 200% of the federal poverty level.

For example, a single person living alone cannot make more than $2,608 per month and a single mom of two must not earn more than $4,442 per month.

What does weatherization program cover?

WAP conducts an assessment, or “energy audit” analysis of your home to address health and safety concerns. Services may include but are not limited to:

• sealing of cracks and holes to reduce heat loss;
• insulation of attics, floors and walls;
• insulation of hot water tanks and pipes;
• heating system repairs or replacement;
• installation of efficient lighting and refrigeration;
• window and/or outside door repair or replacement; and
• mitigation of energy-related health and safety issues.

If you’re planning to apply for weatherization assistance, find your state on the map  and contact the local WAP agency serving your area.

Some states offer an online application direct from their website, but most guide you to contact the local providers.

Medicaid: Health Insurance for the Low Income

For those with no medical insurance, Medicaid provides medical benefits to eligible families whose financial situation would be characterized as low income or very low income.

Medicaid isn’t the same thing as Medicare. While Medicaid is for the low income, Medicare pays for medical services for people aged 65 and older, and the disabled.

In short, Medicaid helps people based on income, while Medicare provides health coverage mainly based on age or disability.

If you are a single mother who meet specific income criteria, Medicaid may be the option you need to access essential medical care — even if you’re currently unemployed.

What is the highest income to qualify for Medicaid?

Medicaid eligibility is largely determined by income relative to the federal poverty level (FPL) and varies by state and covered group, with most states covering adults under 138% FPL in expansion states, which is about $3,065 per month for a family of three.

48 Contiguous States

If your income is above the Medicaid limit, you may be eligible for subsidies to buy a private health insurance plan in the Marketplace, as long as your income is between 100% and 400% of the federal poverty level.

Each state operates its own Medicaid program within federal guidelines — each with a different income level required to qualify for the same, higher in some and lower in others.

Which states did not expand Medicaid?

As of late 2025, these ten (10) states have still not expanded Medicaid:

• Alabama
• Florida
• Georgia (partial expansion)
• Kansas
• Mississippi
• South Carolina
• Tennessee
• Texas
• Wisconsin (partial expansion)
• Wyoming

Georgia provides Medicaid coverage to non-disabled adults aged 19—64 with household income up to 100% of the federal poverty level (FPL). Similar to Georgia, Wisconsin covers nearly all non-elderly adults with income up to 100% of the FPL through its BadgerCare Plus program.

Beyond that, each state uses a different income limit to determine eligibility. In most states, eligibility starts above 138% of the poverty level, about $3,065 per month for a family of three, as Medicaid expansion covers adults with income up to that level.

The District of Columbia has the highest income eligibility limit at 138% of the federal poverty level for a family with children, while Texas has the lowest threshold for parents at just 15%.

New Medicaid work requirement rules in 2027

In July 2025, Congress passed the Big Beautiful Bill, ⁸ which included several changes to Medicaid eligibility. Among them were new work requirements for adults without dependent children, as well as for parents whose youngest child is over age 13.

According to CBPP, ⁹ starting no later than January 1, 2027, Medicaid applicants and enrollees must verify participation in at least 80 hours per month of one or more of the following activities to obtain or maintain coverage:

• Employment
• Work program participation
• Job training
• Enrollment in an educational program (at least half-time)
• Community service
• Any combination of the above

States may choose to implement these revised work requirements as early as 2026, ahead of the federal deadline. As of 2025, Georgia is the only state with an active Medicaid work requirement.

Children’s Health Insurance Program (CHIP)

CHIP provides health insurance to uninsured children up to age 19 in families with incomes too high to qualify for the state’s Medicaid, but can’t afford private coverage on their own.

As the primary source of coverage for low-income children, CHIP covers children for everything they need — doctor visits, vaccination, dental, and vision.

For most families, CHIP coverage is free, while others may pay low monthly premiums, enrollment fees, or copayments for certain services.

Premiums for CHIP differ significantly by state. Many states do not charge premiums at all, either permanently or through an indefinite suspension. ¹⁰ For example, Arizona’s CHIP plan, called KidsCare, suspended monthly premiums in 2020 during the pandemic and has yet to reinstate them.

Like Medicaid, CHIP is administered independently by each state, with rules of its own and is operated either as a Medicaid expansion, a separate program, or a combination of the two.

ACA Marketplace Premium Tax Credits

The Premium Tax Credit (PTC) is a refundable tax credit designed to help eligible individuals and families with low to moderate incomes afford health insurance purchased through the Health Insurance Marketplace.

The credit sets a maximum amount you’re expected to pay based on your income. If the cost of a standard plan in your area is higher than that amount, the tax credit covers the difference.

Who is eligle for a Premium Tax Credit?

To qualify for the PTC, you generally must meet all of the following criteria:

1. Purchase a health plan through the Marketplace, either through your state exchange or HealthCare.gov . Plans bought directly from private insurers do not qualify.
2. Have a household income of between 100% and 400% of the federal poverty level (FPL). That’s an income between $26,650 and $106,600 for a family of three.
3. Not be eligible for other minimum essential coverage such as Medicaid, Medicare, or an affordable employer-sponsored plan.

How does the PTC work?

If you buy a health plan through the Marketplace and qualify for the PTC, you can either claim the credit when you file your federal tax return or receive it in advance as lower monthly insurance premiums throughout the year.

If you receive the advance PTC, you must file IRS Form 8962 with your tax return to “reconcile” the credit received in advance. If your income was higher than estimated, you may need to repay part of the credit; if it was lower, you may receive an additional refund.

Medicare

Medicare is a federal health insurance program for people age 65 or older and younger people with disabilities. It offers affordable access to hospital services, outpatient care, preventive services, and prescription medications.

Medicare is a federal program, but some rules can vary by state — especially for Medicare Advantage plans, Medigap coverage, and state assistance programs. Your plan options, costs, and enrollment rights may differ depending on where you live.

There are 4 types of Medicare coverage, known as “parts.”

Medicare Part A – Hospital Care

Part A helps cover your hospital stays, skilled nursing care, hospice care, and some home health services. Most people don’t pay a premium for Part A.

Medicare Part B – Medical Care

Part B covers doctor visits, outpatient care, medical equipment, lab tests, and preventive services. There is a monthly premium for Part B of $185 each month or higher depending on your income. ¹¹ That’s how much Medicare Part B cost in 2025.

Medicare Part C – Medicare Advantage

Part C is an all-in-one alternative to Original Medicare, offered by private insurance companies. These plans include Part A and Part B, often add Part D (drug coverage), and may include extras like dental, vision, or hearing benefits.

Medicare Part D – Prescription Drugs

Part D helps lower the cost of prescription medications. These plans are offered by Medicare-approved private insurers and can be added to your Medicare coverage.

How do I enroll in Medicare for the first time?

If you’re 65 or older, you can sign up for Medicare in-person, by phone or online. You can enroll in both Part A and Part B, or choose Part A only.

When you apply, you’ll complete either the combined application for Retirement Benefits and Medicare or the Medicare-only application, depending on your situation.

1. Online: Visit the website of the Social Security Administration (SSA) and use their Medicare enrollment portal .
2. By phone: Call SSA at 1-800-772-1213 (TTY 1-800-325-0778).
3. In person: Visit your local SSA office if you prefer paper forms or need assistance.

If you’re still covered under an employer group health plan, you may choose to delay Part B to avoid paying the monthly premium until you need it.

Supplemental Security Income

Supplemental Security Income (SSI) is a means-tested program that provides monthly cash assistance to people who are disabled, blind, or elderly.

Since its launch in 1974, SSI has guaranteed a minimum level of income to those who qualify. Beneficiaries may have no more than $2,000 in assets for individuals and $3,000 for couples.¹²

For many single parents of children with disabilities, SSI often represents their only source of income. However, eligibility rules are complex, and the application process can be time-consuming.

How much will I get a month from SSI?

For 2026, the maximum SSI payment is $994 per month for an individual and $1,491 for a couple. ¹³ These amounts are adjusted each year to account for cost-of-living increases (COLA).

Your actual SSI payment may be lower depending on your income, living arrangements (such as living with others or in a medical institution), and other financial resources.

SSI recipients may also get non-cash forms of assistance. In most states, anyone who receives SSI benefits is automatically eligible for Medicaid.

If you plan to apply for SSI, you can complete the application online at www.ssa.gov  or call (800) 772-1213 to ask for an appointment with a Social Security representative

Title X: The National Family Planning Program

Title X — pronounced Title Ten — is the federal program dedicated solely to providing comprehensive family planning and related preventive health services to women with low incomes, who couldn’t otherwise afford these services on their own.

It provides funding to family planning clinics, so that low-income women who do not have health insurance can get care at reduced rates, or in some cases, free.

Services provided by Title X include but not limited to,

• Contraceptive counseling and care
• Breast and cervical cancer screening
• STI/HIV testing
• Pregnancy prevention and birth spacing counseling
• Pregnancy testing and counseling
• Basic infertility services
• Other preconception health services

For years, Title X, along with Medicaid, has been an important of source of primary health care for millions of women from low-income families.

If you need any of the above services, use the Family Planning Clinic Locator  to find clinics within a 50-mile radius of your location.

National School Lunch Program (NSLP)

NSLP provides free lunches or discounted meals to eligible students whose family income falls below certain “poverty guidelines” — making it possible for schools to serve nutritious, inexpensive lunches to students each day.

Eligibility is based on household income and size, as well as whether your child has a status like homeless, foster, migrant, or runaway.

For example, children from families with incomes at or below 130% of the poverty level are eligible for free meals. Those with incomes between 130% and 185% of the poverty level are eligible for reduced‐price meals.

Your child may be enrolled automatically if your household participates in:

• SNAP (Food Stamps)
• TANF (Temporary Assistance for Needy Families)
• Certain Medicaid programs
• Foster care / court placement programs

If you believe your child is eligible but has not been automatically enrolled, contact your school’s Food Service or Child Nutrition Office to get a meal application. Most schools provide applications at the beginning of the school year.

Healthy School Meals for All

California is the first in the country to provide all public school students to eat breakfast and lunch for free regardless of income status.

Under the new law, all kindergarten through 12th grade public schools must provide two free meals, breakfast and lunch, during each school day.

Eight (8) states have implemented policies that offer school meals to all students at no charge, regardless of household income:

1. California
2. Colorado
3. Maine
4. Massachusetts
5. Michigan
6. Minnesota
7. New Mexico
8. Vermont

These policies are part of the Healthy School Meals for All initiative. The goal is to ensure that all students have access to healthy meals so they can succeed in school.

Other School Meal Programs

SUN Bucks
also known as Summer EBT, SUN Bucks is a new federal program to support families who lose access to free school meals over the summer months.

School Breakfast Program
provide free or reduced-price, nutritionally balanced meals on school days.

Summer Food Service Program
offers free, healthy breakfasts and lunches to kids over summer break.

Special Milk Program
provides milk to kids at schools and childcare centers that don’t offer the national school breakfast and lunch programs.

SUN Bucks (Summer EBT)

SUN Bucks, also known as Summer EBT, is a new program that helps cover the cost of groceries on top of existing programs like SNAP and WIC.

Starting in 2024, families with eligible school-aged children can get $120 per child to buy groceries during the summer months when schools are on summer break.

You can use SUN Bucks to pay for:

• fruits and vegetables
• meat, poultry, and fish
• dairy products
• breads and cereals
• snack foods and non-alcoholic drinks

You cannot use SUN Bucks to purchase:

• hot foods
• pet foods
• cleaning or household supplies
• personal hygiene items
• medicine

Most eligible families already enrolled in SNAP, TANF, free school meals, or other qualifying assistance programs will be automatically certified for SUN Bucks and do not need to submit an application.

If you’re not sure if you need to apply or will get SUN Bucks automatically, use this eligibility checker  to find out.

What states are opting out of the summer food program?

Currently, there are 13 states that chose NOT to participate in Summer EBT:

1. Alaska
2. Florida
3. Georgia
4. Idaho
5. Indiana
6. Iowa
7. Mississippi
8. Oklahoma
9. South Carolina
10. South Dakota
11. Tennessee (ended statewide in 2025, except for 15 counties)
12. Texas
13. Wyoming

The Emergency Food Assistance Program (TEFAP)

TEFAP is a federal grant that provides food to low-income Americans, regardless of age, both directly to families for home consumption and to emergency food providers like food banks, pantries, soup kitchens, and shelters.

Eligibility criteria may include participation in existing food (SNAP) or other assistance programs (TANF) for which income is considered as a basis for eligibility.

Families that participate in the following means tested programs are also TEFAP eligible: Food Stamps/SNAP, TANF, WIC, Medicaid, Supplemental Security Income, Head Start, Fuel Assistance or Veteran’s Aid.

Since this program is administered at the state level, it’s best to contact your State Distributing Agency  for more information about TEFAP.

Local Food Banks

For starters, food bank isn’t a grant. It is a place where food is contributed and made available to those in need. It exists to help families who may not qualify for other welfare programs.

If you find yourself struggling to put food on the table, you can dial 2-1-1 on your telephone to locate a local food pantry or food bank in your area.

Feeding America

Feeding America has a network of over 200 food banks nationwide that provides food to more than 40 million people facing hunger, including 12 million children and 7 million seniors through food pantries and meal programs.

Start by finding your local food bank here 

Unemployment Insurance

The Department of Labor provides weekly compensation to the unemployed who lost their jobs through no fault of their own, including a job lost directly or indirectly because of a disaster.

For single mothers who are out of work, these benefits help ease the financial impact of unemployment by temporarily replacing a portion of lost wages while they search for new employment.

Benefit amounts vary by state, ranging from $235 in Mississippi to $1,152 in Washington. States also differ in how long benefits are paid, with most offering up to 26 weeks of payments.

If you recently lost your job, you may file an unemployment insurance claim in the state where you worked. Depending on the state, claims may be filed in person, by telephone, or online.

Paid Family Leave

America does not guarantee new mothers paid leave. Although there are 12 weeks of job-guaranteed available under the Family and Medical Leave Act, it is unpaid and employers with fewer than 50 employees are exempt.

In the absence of a federal paid leave mandate, states have taken the lead in creating their own paid family leave programs, with Rhode Island being the first to do so.¹⁴

Currently, there are 13 states in the country, along with the District of Columbia that offer, or will offer, paid family leave to new parents to bond with a newborn baby or provide care for a seriously ill family member.

Paid family leave isn’t an entitlement. Rather it is an income replacement insurance that employees contribute to through a small deduction from their paycheck every month.

In most states, applications are submitted through a state agency, though some voluntary programs operate through employer-sponsored private insurance plans.

Earned Income Tax Credit (EITC)

The Earned Income Tax Credit (EITC) is a tax benefit designed primarily to help low- to moderate-income working parents whose earned income falls below a certain limit.

It’s a simple idea designed to help lower- and middle-income workers keep more of what they earn, especially those who owe little or no income tax.

The EITC is “refundable”, which means claiming it lowers the total amount of taxes owed and can result in a refund if the amount of the credit exceeds the tax liability.

What is the maximum amount for EITC?

For the 2025 tax year, the earned income credit ranges from $649 to $8,046, depending on your filing status, adjusted gross income (AGI), and how many children you have.

Many states offer their own version of Earned Income Tax Credits (EITCs) to complement the federal EITC — each uses federal EITC eligibility rules, however, the percentages vary greatly from state to state.

What is the maximum income to qualify for EITC?

Depending on your filing status and number of qualifying children, you might be eligible for the credit on your 2025 federal tax return if your income is under $68,675.

For the 2025 tax year (taxes filed in 2026), your total investment income must be $11,950 or less to qualify for the Earned Income Tax Credit (EITC).

Child Tax Credit (CTC)

How much money does a single mother get per child?

The Child Tax Credit, on the other hand, reduces tax liability for families with children that may be worth as much as $2,200 per qualifying child depending on income — with up to $1,700 of that being refundable through the Additional Child Tax Credit.

That means, if you’re a single mother with no tax liability, you can receive up to $1,700 per qualifying child as a refund as long as you qualify for the refundable portion.

At the state level, child tax credit policies vary across the United States. For example, Minnesota has one of the most generous Child Tax Credits (CTC) in the nation, offering up to $1,750 per qualifying child, while Colorado offers a smaller credit of up to $1,200 per child.

Lifeline Program

Established in 1985, the Lifeline program has been around since the Reagan Administration as a means of helping low-income families afford connectivity and gain access to a “lifeline” of emergency services like 911.

The program provides a monthly phone or broadband internet subsidy to low-income individuals or families but limited to $9.25 per household per month. ¹⁵

Lifeline subsidy isn’t limited to people receiving public assistance. While eligibility rules can vary by state, the program is generally available to households with incomes at or below 135%  of the federal poverty guidelines.

You may apply for Lifeline discount through a provider in your state or designated state agency. Lifeline provides a handy tool  to check for participating companies near you.

Affordable Connectivity Program (ACP)

Affordable Connectivity Program (ACP) is another FCC program that provides eligible households with a discount on broadband service and connected devices.

If your household income is at or below 200% of the federal poverty level or about $53,300 for a family of three, you may qualify to receive:

• Up to $30 per month discount on your internet service or up to $75 per month if you live on Tribal lands.
• A one-time device discount of up to $100 for a laptop, tablet, or desktop computer. This one-time discount requires a co-payment of more than $10 and less than $50.

ACP is also open to those who are already enrolled in various assistance programs like SNAP, Medicaid, Federal Public Housing Assistance, SSI, WIC, or Lifeline.

Is ACP ending in 2024?

Yes, the Affordable Connectivity Program (ACP) and its monthly discount on broadband services ended on June 1, 2024, due to a lack of funding. ¹⁶

As a result, all ACP households will no longer receive the ACP discount.

How do I get help with my internet bills with ACP?

To apply, visit GetInternet.gov  to submit an application. Once your application is approved, contact a participating provider to select a service plan and have the discount applied to your bill.

For example, if you are an AT&T Internet customer, you can call (866) 986-0963 to apply your ACP benefit to your current plan.

Grants for American Indians and Alaska Natives

If you are a member of a federally recognized Native American tribe, there are a variety of federal, tribal, and state assistance programs available to American Indians and Alaska Natives (AI/AN).

While Grants.gov primarily lists grant opportunities designed to benefit organizations, many individual and family benefits are accessed through tribal programs and federal agencies that serve Native communities directly,

Benefits for AI/AN individuals are now accessed through the following official sources:

1. Bureau of Indian Affairs  (BIA)
   Provides information on tribal assistance programs, social services, housing, education, and financial aid administered by tribes.

2. Indian Health Service  (IHS)
   Oversees health programs and funding for American Indians and Alaska Natives, including care for those living in urban areas.

3. Grants.gov 
   Lists federal grant opportunities available to tribes, tribal organizations, and nonprofits, which may indirectly benefit individuals.

4. Tribal government or tribal social services office 
   Many benefits are tribally administered, and eligibility rules can differ by tribe. Tribal offices are often the best starting point.

Depending on your tribe and location, available programs may include:

• Tribal Temporary Assistance for Needy Families 
  Cash assistance, work activities, and family support services run by tribes.
• Native Employment Works Program
  Employment training, job placement, and workforce development for Native individuals.
• Indian Child and Family Education
  Education-related services supporting Native children and families.
• Urban Indian Health Program
  Health care services for Native Americans living outside of reservations.

Like all other citizens who meet eligibility requirements, all American Indians and Alaska Natives, whether they live on or off reservations, are eligible to receive benefits provided by the state or by their tribe.

Availability, eligibility rules, and benefit amounts vary by tribe and region, so it is best to confirm eligibility through your tribal office or the administering agency.

What if I don’t qualify for grants?

If you’re one of those who earn “too much” to qualify for benefits, but “too little” to get by each month, you may contact your local churches, charitable organizations, and community agencies to find out whether they can offer some form of temporary assistance.

You may also dial 2-1-1 for help with food, housing, employment, health care, counseling or whenever you need help paying your bills. The 2-1-1 service is available 24 hours a day, seven days a week.

Whether it’s tax credits, grants, or subsidized programs, these benefits are temporary in nature, you should not rely solely on them — you should rather ensure that you strive to become self-sufficient so that you can provide for your family on your own.

SingleMotherGuide is an independent resource that provides reliable information on public assistance programs for single mothers across the United States. Our team regularly reviews federal and state guidance to keep program details accurate and up-to-date.