Financial Assistance Options in North Carolina: A Comprehensive Guide for Families in Need

Financial struggles can be overwhelming, especially for families already trying to juggle several responsibilities. In North Carolina, a number of government programs and non-profit organizations exist to help families in need. This guide provides an informative look at the financial assistance options available and how to apply for every single one.

Government Assistance Programs

Food and Nutrition Services (FNS)

One of the more popular programs, this is a federal food assistance program helping families live a healthier life by promoting better food choices. Eligible families get an FNS Electronic Benefits Transfer (EBT) card, which works like a debit card, to buy food at authorized stores and farmers markets.

To be eligible, you must be a resident of the state, have a current bank balance under $2001, and meet monthly gross income and net income limits. For application, visit the local Department of Social Services office or apply online through ePASS.

Low Income Energy Assistance Program (LIEAP)

This program provides a one-time annual vendor payment to help eligible families offset winter heating expenses. The eligibility is dependent on the household's income, how many people live in the home, and the current resources available. Applications can be made at the local DSS office or through ePASS.

Goverment Subsidies

Health Choice for Children

This is a free or reduced price comprehensive health care program for children whose family income is above the Medicaid level but less than 200% of the federal poverty level. Eligibility is based on the child's age, residence, and family income. You can apply for Health Choice at your local DSS office.

Section 8 Housing Assistance

The North Carolina Section 8 Housing Choice Voucher program helps eligible low-income families and individuals attain safe and sanitary housing. Eligibility is determined by several factors, including asset limits and gross income. The need should also be verified before you are able to apply at your local county Public Housing Agency.

Non-profit Agencies

The Salvation Army

On top of providing emergency shelter and permanent housing assistance, this charitable organization also aids with utility bills and vocational training. Contact your local Salvation Army post for help.

United Way

United Way of North Carolina serves all 100 counties, providing assistance with basic needs, education, financial stability, and health. Dial 2-1-1 or visit nc211.org for free, confidential information and support in times of need, 24/7.

Crisis Assistance Ministry

This Charlotte-based non-profit provides assistance with rent, utilities, clothing, and household goods. It's a good resource for lower-income families in the Charlotte area.

Strategies to Get Out of Financial Need

While receiving assistance, here are a couple of strategies to consider:

• Invest in Education: education creates opportunities for better paying jobs. Look for scholarships, grants, and flexible learning options to further your education.
• Budget Planning: Take stock of all your expenses and income. Planning a budget helps to reduce unnecessary spending and increases savings.

Remember, there's no shame in needing or asking for help. The resources shared above are created precisely for families in need.