A Guide to Financial Assistance in Durham, North Carolina

A bunch of people, particularly in the wake of unexpected events, sometimes struggle financially. Luckily, various resources exist in Durham, North Carolina, for individuals and families who find themselves in this situation. This guide will walk you through the government financial assistance options that are available, their eligibility criteria, the application process, and other resources and strategies to aid those in need.

Government Financial Assistance Options

The government offers several types of financial aid programs to assist low-income individuals and families. Let's explore a few of them.

The Low Income Energy Assistance Program (LIEAP)

This program provides a one-time vendor payment to help eligible households to meet their heating expenses. To be eligible, a household’s total countable income must not exceed 130% of the Federal Poverty Level. Applications are accepted from December 1 to March 31 or until the funds are exhausted.

The Supplemental Nutrition Assistance Program (SNAP)

This program provides eligible low-income individuals and families with benefits to buy nutritious food. Eligibility depends on several factors, including income, assets, and family size. You can apply online via the ePASS portal or at your local Department of Social Services.

Temporary Assistance For Needy Families (TANF)

This program provides monthly cash assistance to families with minor children. Eligibility is based on the income and resources of the adults and children in the home. You can apply online through the ePASS portal.

Medicaid and NC Health Choice

This provides low-income adults and children with free or low-cost health coverage. Income requirements vary based on categories including age, pregnancy status, disability, and family size. You can apply via the ePASS portal or at your local Department of Social Services.

Non-Profit Agencies

Urban Ministries of Durham

This non-profit organization provides food, shelter, and a future to end homelessness and fight poverty. They offer a Community Café serving three meals each day, every day, a Community Shelter for homeless women, men, families, and a Clothing Closet providing clothing and blankets for free.

Durham's Community Development Department

This department provides funding to various agencies that deliver emergency relief assistance such as food, clothing, and emergency shelter to individuals and families in need.

Catholic Charities of the Diocese of Raleigh

This agency offers numerous services, including food pantries, disaster services, adoption services, and various types of financial assistance. They also provide job training and refer to other service providers when necessary.

Strategies to Get Out of Financial Need

While these resources can provide relief during tough times, it's also important to take steps to improve your financial situation in the long term.

Create a Budget

Track your income and expenses to have a clear understanding of where your money is going. Cut unnecessary expenses, and prioritize needs over wants.

Expand Your Skillset

Enhance your earning potential by learning new skills or improving existing ones. Community colleges and online platforms offer various courses, some for free, to help you become more marketable..

Save and Invest Wisely

Start saving even if it's just a small amount each month. Consider investing some of your savings in government bonds or mutual funds to grow your wealth over time.

Remember, seeking help to overcome financial difficulties is nothing to be ashamed of. It's a step toward making your life better for you and your family.