Plain-English guides to the programs that matter.
Eighteen guides covering the federal and state programs we refer callers to. Read them yourself, or call us and we'll point you to the right one for your situation.
Free Job Training: WIOA, American Job Centers, and How to Use Them
The Workforce Innovation and Opportunity Act funds free job training, certifications, and career counseling — without the student loan debt.
Unemployment Benefits: How to File and What to Do If You're Denied
State unemployment insurance can replace 30–50% of your lost wages while you look for work. How to file, common reasons for denial, and how to appeal.
Public Housing: How It Works and How to Apply
Government-owned, income-based rental units. Wait times, eligibility, and how to navigate the application — including when the list is closed.
Medicare Basics: Parts A, B, C, D and What to Sign Up For
When you turn 65 (or qualify by disability), Medicare becomes your main health coverage. Here's what each part does and how to enroll.
Free Tax Prep: VITA, TCE, and How to Get Your Refund Without Paying
IRS-certified volunteers prepare taxes for free for low- and moderate-income filers, seniors, and people with disabilities. Plus how to claim your EITC and CTC.
Free Legal Aid: How Low-Income Families Get Free Lawyers
Civil legal aid is free for low-income people facing eviction, custody, domestic violence, consumer fraud, and benefit denials. How to find your local office.
Emergency Rental Assistance: How to Get Help Before Eviction
When you're behind on rent and out of options, emergency rental programs can cover one or several months. Where to find them and how to apply fast.
Free Credit Counseling and Debt Management Plans
Nonprofit credit counselors help you build a budget, negotiate with creditors, and consolidate debt — without the predatory fees of for-profit debt settlement.
CHIP: Health Coverage for Kids in Working Families
The Children's Health Insurance Program covers kids whose families earn too much for Medicaid but can't afford private insurance. Free or very low cost.
WIC: Nutrition Help for Pregnant Women, New Moms, and Kids
The Special Supplemental Nutrition Program for Women, Infants, and Children — free healthy food, breastfeeding support, and nutrition education.
Weatherization Assistance: Free Home Energy Upgrades
The Weatherization Assistance Program (WAP) installs free insulation, sealing, and efficiency upgrades in low-income homes — saving an average of $283/year.
Section 8 Housing Choice Voucher: Full Guide
How the Housing Choice Voucher program works, who qualifies, how to get on a waiting list, and what to do if your local list is closed.
Medicaid: Who Qualifies and How to Apply
Free or low-cost health coverage for low-income families, kids, pregnant women, and people with disabilities. State-by-state guide.
Lifeline: Free or Discounted Phone & Internet
The federal Lifeline program reduces phone and internet costs for low-income households. Many qualify for free service.
FAFSA & Pell Grants: Free Money for College
How to fill out the FAFSA, qualify for the Pell Grant (up to $7,395/year, no repayment), and access federal student aid.
ACA Marketplace: Health Insurance Subsidies Explained
How to enroll in ACA health insurance, qualify for premium tax credits, and find a plan that costs less than you think.
SNAP Benefits: How Much Can You Get?
Understanding income limits, asset rules, and how to estimate your monthly benefit before you apply.
LIHEAP: A Complete Guide
The Low-Income Home Energy Assistance Program covers heating, cooling, and weatherization. Here's how to apply.