A Guide to Financial Assistance Options in Montana

If you are an individual or family in Montana facing financial hardship, it's important to know you're not alone. There are several government and non-profit agencies that can assist you in your time of need. Below, we outline the key assistance programs, their eligibility criteria, and how to apply.

Government Financial Assistance

The state of Montana provides various forms of financial assistance. Here are some of the key options available:

Temporary Assistance for Needy Families (TANF)

TANF provides cash assistance to low-income families with dependent children with the aim of promoting self-sufficiency. Eligibility criteria include proof of residency, identification, and income verification among other requirements. Applications can be made at local human service offices or through the Montana DPHHS' website.

Supplemental Nutrition Assistance Program (SNAP)

SNAP provides eligible low-income individuals and families with benefits to buy nutritious food. Eligibility is determined by resources, income, and certain expenses. You can apply online through the Montana DPHHS' website.

Low-Income Home Energy Assistance Program (LIHEAP)

LIHEAP helps low-income individuals and families meet their energy costs. Eligibility is based on income, family size, and the type of fuel used. Applications can also be made on the Montana DPHEHS' website.

Government Subsidies

Housing Choice Voucher Program

Commonly known as Section 8, this federal program helps low-income families, the elderly, and the disabled to afford safe and sanitary housing. Applications can be made through local public housing agencies. More information can be found on the HUD website.

Non-Profit Agencies

Besides government aid, several non-profit organizations also provide assistance. Notably, Montana Council of Community Services can help with food and utility costs, and Rural Dynamics provides resources for financial education and counseling.

Strategies to Overcome Financial Need

While assistance programs can provide immediate relief, a long-term solution involves improving financial stability and independence. Below are a few strategies that can help:

Debt Management

By consolidating debt or arranging a debt payment plan, you can control your debt and prevent it from further escalating. A number of non-profit credit counseling agencies can help with this, including American Consumer Credit Counseling.

Skills and Education

Furthering your skills or education can open up higher-paying job opportunities. Luckily, there are numerous resources available, including Montana’s Learn to Earn program which can help to improve your job prospects.

Frugality and Budgeting

Laying out a budget and planning your expenses can prevent unnecessary spending. Free budgeting apps such as Mint can help individuals and families keep track of their spending.

Remember, there is help available for those who need it. It's simply a matter of being aware of what resources are available, meeting the eligibility criteria, and taking the necessary steps to apply. While it may be a difficult time now, these resources and strategies provide a pathway to financial stability and independence. Don't hesitate to reach out and utilize them.