Some of the most valuable financial relief is found in unexpected places. Here is where to look when the obvious places have not worked.
Beyond the Obvious Sources
Most people who look for financial relief start with the obvious sources: major government programs, their utility company, their bank. These are the right starting points and often produce results. But when the obvious sources are exhausted or do not apply, the less obvious sources — often the most underused resources in the relief landscape — deserve attention.
Employer Employee Assistance Programs
If you are employed, your employer may offer an Employee Assistance Program (EAP) that includes financial counseling, legal consultation, and referrals to assistance resources. EAPs are free to employees and often include services that would cost hundreds of dollars if purchased separately. Many employees are not aware they have access to an EAP, and many who are aware have never used it for financial purposes. Check with your HR department.
Professional and Trade Associations
Many professional and trade associations offer emergency assistance funds for members in financial difficulty. These funds are specifically targeted to the association’s membership — veterans of a particular field — and may have higher income thresholds or different eligibility criteria than general assistance programs. If you belong to any professional association or union, check whether an emergency assistance fund exists.
State-Specific Programs
Every state operates assistance programs in addition to federally funded programs, and these state-specific programs vary widely. Some states have robust financial assistance programs that significantly exceed what is available in other states. State programs are often less well-publicized nationally and may be underused even by residents of the states that offer them. Your state’s social services website and 211 are the most reliable sources of information about state-specific programs.
Disclosure: This site may receive compensation when you click on links or complete offers through our partners. Content is for informational purposes only and does not constitute financial advice.
