Parents in the US are under tremendous financial pressure from all sides. Without key resources available to parents in first-world countries—such as paid maternity leave, universal health care, and free preschool—raising children can quickly become untenable for a single working parent.
According to a 2013 report from the USDA, raising a newborn to adulthood currently costs an average of $245,340. Add in decades of wage stagnation, and it should come as no surprise that single parents need financial help with both emergencies and everyday living expenses.
We’ve put together the following list of resources offering financial help for single parents. Find your financial lifeline.
Government support for single-parent families
- Women, Infants, and Children (WIC) is a nutrition program run by the USDA. Eligibility is limited to low-income mothers and/or their children. To qualify, a mother must be pregnant, postpartum, or breastfeeding. Children are eligible up to age five.
- The National School Lunch Program provides free and reduced-cost meals to children. Applications are handed out to every child at the beginning of the school year, but parents can apply at any time.
- The Summer Food Service Program ensures that low-income children continue to eat nutritious meals when school is out. Over a summer, the USDA serves more than 200 million free meals to children 18 years and under at approved SFSP sites.
- Supplemental Nutrition Assistance Program (SNAP) delivers what were once called food stamps via a debit card system. Participants are sent a SNAP card to use at grocery stores that accept SNAP
- The Emergency Food Assistance Program offers free food assistance to low-income single parents, families, and individuals. To be eligible, a family’s income cannot exceed the USDA’s federal guidelines. This can be a great resource for emergency help for single moms and dads.
- Temporary Assistance for Needy Families (TANF) is what used to be known as “welfare.” Today, to receive any benefits, recipients must demonstrate that they’re actively taking specific actions.
- The Child Care Assistance Program (CCAP) provides affordable child care to families with low incomes. Parents must be working or, if they’re under the age of 18, seeking a high school degree. Those not in high school or not receiving TANF must be pursuing some other form of education.
- Medicare is a health insurance program for people 65 and older, but it’s available to people under 65 in certain circumstances. To check whether you’re eligible for any one of its programs, use the Medicare Eligibility Checker Tool.
- Medicaid is a medical assistance program for low-income families. Medicaid eligibility guidelines differ by state, and the program is administered by your state of residence.
- Low Income Home Energy Assistance Program (LIHEAP) offers energy grants and assistance to single parents and others who qualify under its eligibility criteria
- The Federal Government Pro Bono Program helps low-income single parents, individuals, and families in need of legal assistance.
- Head Start helps provide access to preschool for children five and under. Many Head Start programs also offer Early Head Start support for pregnant women, toddlers, and infants.
- The Child Care Tax Credit allows parents to deduct funds spent on childcare (for children 13 or under) from their taxable income.
- Insure Kids Now helps children and teens receive low-cost health insurance. Parents can also receive assistance. Funds come from Medicaid and the Children’s Health Insurance Program (CHIP). Single parents must prove they are unable to afford health insurance.
Scholarships and grants for single moms and dads
- Pell Grants are given to low-income individuals attending college. Grants of up to $5,920 are awarded, with about 72% of recipients having family incomes of less than $30,000. This grant is one way single parents can go back to school—and as a grant, it doesn’t have to be repaid. The deadline for submission is June 30 each year, but applications can be sent as early as October 1.
- Teach Grants help people get the education they need to become a teacher. After completing a teaching program, recipients must teach in a high-need field at an elementary school, secondary school, or educational service agency for low-income families for at least four years (otherwise the grant retroactively turns into a loan). You can receive up to $4,000 a year to cover education costs.
- PeaChic Grants are for women running their own businesses, or those intending to start a business. Awardees receive $500 to $1000 to help with marketing, supplies, and other expenses that come with growing or starting a business.
- The Huggies Mominspired Grant Program encourages mothers to share their innovative product ideas with Huggies. Mothers can win up to $15,000 in grant money.
- The Women’s Independence Scholarship Program (WISC) from the Sunshine Lady Foundation helps victims of domestic violence by giving them money toward higher education. An applicant must be separated from the abuser for at least one year, be a US citizen, prove financial need, and be enrolled at a university or show a desire to start.
- The Global Fund for Women provides grants that support and strengthen women’s groups around the world, allowing women to build creative solutions to local, regional, and transnational challenges. Grantees and donors are brought together in an international network that promotes women’s actions for social change, equality, peace, and justice.
Nonprofits offering financial help for single parents
- One Harvest is a nonprofit, nondenominational, faith-based organization that offers affordable CSA-style food boxes. One Harvest partners with local churches as its distribution network.
- The Mommies Network is a nonprofit organization devoted to helping moms find support and friendship in their local communities. The network currently operates in 80 communities across the US, with more than 30,000 active members.
- Help a Mother Out provides free diapers for families in need. The main bank is in the San Francisco Bay Area, with sister chapters in Southern California and Arizona.
How crowdfunding can help
As a single parent, we know you often face incredible odds and difficult challenges—dealing with everything from minor medical emergencies to serious medical, financial, or employment crises. While these challenges may or may not qualify you for government or nonprofit support, their financial pressures can be alleviated through crowdfunding success.
With crowdfunding, it’s about telling your story honestly, in a way that compels people to make a donation—and gives them an opportunity to help your family in a very clear, specific, and positive way.
We call it the compassionate crowdfunding platform for a reason. Unlike other crowdfunding sites, at YouCaring we never take a penny of the funds people raise. Our site is entirely free to you. Plus, you can begin withdrawing funds as soon as you start receiving donations.
People use YouCaring every day to offer financial help for single parents — raising money for school and college expenses, extracurricular programs, educational travel, medical bills, and more. We’re here to help, and along with this article, we have many more free resources for kids and families on our blog. Start your free fundraiser today.
For more tips read Tips for Building a Healthy Emergency Fund.