Financial Help for Single Mothers: A Comprehensive Guide to Support and Resources

Written by Daisy
Last updated:
Reviewed by Margaret

Are you trying to find financial help for single mothers? Whether it’s you or someone you know, you can get help!

There are state-driven government assistance programs. There are also grants and scholarships, NGOs and charities, and many others to choose from! There’s a bunch of help and assistance given to single mothers and you should take advantage of all of them!

Where Do I Get Financial Help For Single Mothers?

I mean, being a mother is already hard – but being a single one? Saying that “it’s harder” is an understatement.

As a parent, I can say I’m aware of the financial difficulties that can often come with being a single mother. But don’t panic, there are ways you may look for financial assistance and grants in different places.

You can choose from various options! There are government-assisted programs, financial help for single mothers, scholarships and grants, childcare, and many more!

Do All States Have Financial Assistance For Single Mothers?

Absolutely. All states have some type of prepared allocation for the benefit of giving single mothers financial aid and assistance.

They have differences in terms of allocation and ruling, though. However, Lending Tree outlined the key data they gathered. As per their findings:  

  • The worst states for single parents are the Midwest and South, Georgia, having the lowest score without family protections. Florida and Alabama rank as 2nd and 3rd for the worst (in no particular order).
  • California is the best state for being a single mother/parent.
  • Vermont and Massachusetts come next in the best states for being a single parent. They have a great child-care assistance income limit and a low cost of living.
  • In Idaho, Montana, and North Dakota, the bigger chunk of single parents are men.

NOTE: Their findings also include a table of the states that aren’t offering protected time off for school events or paid family leave! Check them out!

11+ Options to Get Financial Help For Single Mothers

Now, let’s go to the core of this guide – the financial help options for single mothers in the U.S.!

Currently, there are a lot of options to try so you can live a life of comfort and convenience.

Debt.org noted that in the U.S., 23% of total children who are under the legal age, live with a single parent. It’s difficult, but we’re all fighters! So, let’s take a look at a few of our options!

Child Support and Legal Resources For Single Mothers

A resource you can look into would be legal resources and childcare programs. Some institutions offer assistance and help to single moms who aren’t earning enough to pay for childcare.

Goodwill

Goodwill is a charitable company that provides the community with useful services. They run thrift shops where you may buy reasonably priced stuff like food and other goods for your home.

Additionally, they offer career possibilities and job training, too! They assist people in developing their talents and achieving financial independence!

Childcare Assistance Programs

Childcare Assistance Programs, aka CCAP, are sets of programs that help single parents who are part of low-income families get cheap childcare.

They get it via their state’s education department. Depending on your income and the size of your family, you’ll be responsible for a set portion of the overall cost of childcare.

Here are examples from the South Dakota and Minnesota governments.

P.E.O Program For Continuing Education

Single mothers are eligible for a one-time award of up to $3,000. This is given as help to them in paying for necessities.

Being 24 months away from finishing a degree that leads to employment and having taken a gap owing to parenthood or educational disruption are requirements for eligibility.

Government Assistance Programs

The government is one of the entities you can lean on if you need help and assistance. Most, if not all have planned methodologies to help single mothers like you!

Out of the many options to go for, the following is what’s considered the widely-known and most went for.

Medicaid

Medicaid is this cheap-to-free health insurance from the state. It’s an offer to single mothers or parents, ensuring their children’s health and welfare are taken care of.

Temporary Assistance For Needy Families (TANF)

It’s a program that provides financial aid to low-income families, especially single moms. They offer temporary food and cash assistance to eligible people.

Diversion Cash Assistance

The Diversion Cash Assistance (DCA) is intended to provide short-term financial assistance to single parents or mothers who dealing with hardships.

Their assistance includes housing or utility bills, as well as the allowance to community resources for ongoing support.

Supplemental Nutrition Assistance Program (SNAP)

Lastly, Supplemental Nutrition Assistance Program (SNAP). It is a USDA service that gives single moms assistance with food. Particularly to those part of the 130% poverty level.

Let us now go to the next part, which is the grants and scholarships offered to single moms!

Grants and Scholarships

Being a single mom is like being a superhero. That is why many private organizations and entities work to give their best assistance – one way is by giving grants and scholarships to single mothers.

The following are the programs you can consider:

Society of Women Engineers

The Society of Women Engineers (SWE) is a vibrant group that supports and promotes the careers of women in engineering. Approved applicants are given a strong professional community, mentorship opportunities, networking opportunities, and resources.

The Adult Students in Scholastic Transition (ASIST)

The Adult Students in Scholastic Transition (ASIST) program is given to people who are experiencing physical, economical, or social conflicts.

ASIST is offered through the EWI or the Executive Women International, granting students a range of $2,000 and $10,000 for schooling.

Pell Grants

Lastly, Pell Grants. It provides undergraduate students with scholarships up to $6,495 for the 2021–2022 academic year based on their financial needs.

Whether you work full- or part-time affects the amount you receive. This award is a crucial source of financial help for school since, unlike loans, it has no payback requirements.

NOTE: The Department of Education doesn’t offer scholarship grants for single parents. However, you can contact your state to ask and inquire what you can get.

Nonprofit Organizations and Charities: Support For Single Mothers

Oftentimes, these nonprofit organizations and charities are geared towards assisting single mothers not in the form of money, but food, clothing, and education.

Single Mother Grants

A website that is overall offering all types of assistance to single mothers.

Whether you’re looking for information about schooling, housing, or childcare, you can use the site to connect with relevant financing possibilities.

Charities and Religious Organizations

Local initiatives for single moms, such as shelters, food pantries, and clothing help, are frequently the ones offered. Although there may be lower financial criteria, many services are similar to government programs.

However, if you apply for assistance from these groups, you’ll probably have to disclose information about your income.

Employment and Job Training Programs

And last but most definitely not least are job training and employment programs.

We all know how hardworking single moms are, especially in the fact that they’re single moms. So, there are tons of offers for them, too!

CareerOneStop

Providing thorough career information and resources, CareerOneStop is a useful online resource. It provides advice on creating a résumé, access to training programs, and wage information.

CareerOneStop can assist you in finding success whether you are pursuing a career, looking for work, or developing your skills.

SCORE

A nonprofit that offers free mentorship to small business owners. SCORE is a useful resource because it helps people navigate the difficulties of beginning and expanding a successful business.

They offer knowledge and assistance in fields. Their scopes include business planning, marketing, finance, and many more! Check them out!

Financial Planning and Budgeting Tips For Single Mothers

There are plenty of ways how you can be better, from a financial perspective, even if you are a single mother. Equifax outlines a few suggestions and tips for single parents in terms of budgeting:

  • Try to save money, even little by little
  • Track what you spend
  • Try cutting on bills (saving on electricity, gas, and the internet)
  • Plan your finances a few months in advance

FAQ

I know you may still have questions about it! Don’t worry! Here are a few of the most common ones!

What Are the Benefits of a Single Mother? 

This will depend on a few factors, including the state where you live, how many children you have, and the job you’re currently working. Among the many benefits are cash assistance, housing, and grants & scholarships.

Are There Financial Assistance For Single Parents?

Yes! You can take advantage of it in dire situations. Contact your state and ask about what they’re offering. Nevertheless, you can also tap into private institutions for help!

Are There Single Father Assistance Programs?

Yes, not only single mothers are assisted. The U.S. government is working hand-in-hand with various nonprofit organizations and agencies to single fathers who are in need.

The Bottom Line

There will never be a shortage of financial help for single mothers in the country. Whether it’s in the form of money or not, they can help in making your lives easier and lighter.

Tap on this guide and always feel free if you (or a person you know) ever need this information! 

Photo of author
Daisy Martinez, a Certified Financial Planner and mother of two, blends finance expertise from Ohio State and Anderson School of Management with hands-on parenting insights. Founder of "mamallove.com" and "cashsavvytips.com", she's passionate about guiding parents in financial and parenting realms.

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