Emergency Cash for Single Mothers

Emergency Cash for Single Mothers

Kerry Vetter
by Kerry Vetter
Updated: November 1, 2022

Table of Content

Government Assistance for Single Mothers
Emergency Cash Solutions for Single Moms
Medical Assistance for Single Parents
Educational Assistance for Single Mothers
Charity Organizations
Key Takeaways

Raising a child is not easy. The situation is more challenging for single mothers. The US records an increased number of one-parent households, with single mothers dominating the statistics. There is no shame in seeking emergency financial assistance as a single mom. Child care assistance programs and grants for single parents help mothers deal with child support expenses in times of financial hardship.

Government Assistance for Single Mothers

The federal government is aware that childcare is expensive. For that reason, the US has started several financial assistance programs for needy families or single mothers. Temporary assistance or emergency cash for single mothers is available all over the country. Also, we advice you to read this article to find out how to save money on groceries.

1. The Supplemental Nutrition Assistance Program (SNAP)

Commonly called food stamps, the food assistance program helps single moms get groceries. Proper nutrition is a critical factor for a child’s development. For that purpose, there are multiple food shops and banks located within reach and accessible to single moms all over the country.

2. Women, Infants, and Children (WIC)

WIC is another special supplemental nutrition program. It aims at helping pregnant women, single mothers who are breastfeeding, and their infant children up to five years old who are at risk of being malnourished. WIC vouchers are often paired up with food stamps to provide food for low-income single moms.

3. Emergency Housing

This is typically one of the church assistance programs offering temporary housing for single parents and their children to avoid homelessness. The initiative covers the basic needs of single mothers and their children until they get back on their feet and afford to pay rent.

4. US Department of Housing and Urban Development (HUD)

HUD programs offer housing assistance for needy families and single mothers. Those who need financial support to pay for their mortgage, rent, or at risk of losing their house on account of low income are welcome to apply. Some HUD options offer rent assistance by providing financial help to pay for rent or utility bills. The urban development plan helps more than one million low-income families solve their household issues. A branch of the program is prepared to offer emergency housing for women who don’t have a place to live or escape an abusive household.

5. Temporary Assistance for Needy Families (TANF)

The TANF program was designed for low-income families and single mothers. The program offers childcare services and cash assistance. If a single mom is willing to get a job, TANF can organize preparation sessions to help her out.

6. Low Income Home Energy Assistance Program (LIHEAP)

LIHEAP is sponsored by the Department of Health and Human Services. It offers financial assistance to people who need help paying their electricity bills. Single moms often struggle with the energy costs, especially on a low income. The solution comes in handy when the household income is low.

Emergency Cash Solutions for Single Moms

There are loan options available to single mothers who need financial assistance. From personal to emergency loans, speedy financial aid can be granted by institutions other than the government.

Moreover, direct lenders are relatively tolerant of your credit score. That means you have chances of getting approval even if you have a less-than-perfect credit score. Even single moms that don’t have a job can apply when they need urgent financial help. The reason is that some loan providers take into account almost any source of steady income when considering your application. For instance, if you receive monthly unemployment benefits, regular financial aid from state programs, child alimony, or any other monthly income, you still have good chances to be approved for loans for unemployed people.

Before borrowing money from a lender, 1FirstCashAdvance recommends you take into account the following factors:

  • Repayment terms. Unlike grants that offer free money, you will have to pay back a loan;
  • Interest rate. Short-term loans that are easy to get typically have a high-interest rate. With personal loans, you may end up paying more due to the lengthier term;
  • Lender’s credibility. Even when you need emergency cash immediately, check if the business that offers you financial help is legit.

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Medical Assistance for Single Parents

Sometimes unemployment benefits or other government aid programs are not enough to help single mothers ensure primary health care services. Under the Affordable Health Care Act, a single mother can access low-cost medical or dental care programs set up by the federal government or NGOs.

1. Medicaid

Any single mom or pregnant woman can benefit from free health insurance under Medicaid. For instance, when you are not eligible for an emergency loan to cover medical expenses, Medicare can be a solution. Single mothers can extend the program to cover for their children’s medical emergencies, too.

2. Children’s Health Insurance Program (CHIP)

Single mothers can take their children to a routine physical exam or use the program to get dental care assistance for a child. Some of the options are sponsored by free grants or programs, while others require additional payments. As a client, make sure you inquire about all the costs involved.

Educational Assistance for Single Mothers

Cash Solutions for Single Moms
Education grants and scholarships are available for single mothers pursuing a degree. Eligibility depends on factors such as academic performance and the applicant’s financial situation.

The Charlotte W. Newcombe Foundation Scholarship is an example that allows women to access grants for single mothers willing to study.

Another example is the Federal Pell Grant. It allows single moms to get student loans even when their children are all grown-up. The government grants for education support a single mother to get higher education and improve their living standards.

Charity Organizations

Most Non Profit Organizations and Catholic charities run at least one program to assist single mothers in times of financial hardship. Financial aid or grants for single parents are available to everybody facing a financial crisis.

The Catholic Church runs the charity program Salvation Army. It is a popular source of donations for child care and personal finance issues. Their spectrum of services covers temporary assistance for needy people, from food and women’s shelters to clothes and cars. They rarely offer free money, directing most funds to assist single moms with child care responsibilities and cover basic needs.

The charity organizes donation campaigns. One of them takes on cars that they distribute to single moms based on a prior application.

Key Takeaways

If a single mother needs emergency financial help or could benefit from social services or grants for single parents, they should know that they are not alone. Reaching out for government grants can bring you the emergency cash you need or the child care help you need to go to work or look for a job.

Before taking hardship loans, distinguish the significant differences between grants for single mothers and loans. In the first case, you have to apply beforehand to benefit from free emergency financial help, housing assistance through single mother grants. Once you qualify for a grant, it is free of charge. On the other hand, a loan must be repaid within a certain period. Emergency loans should only be used for emergency cases (pay bills or repair services).

If you have tried it all: getting a second job, organizing a garage sale, borrowing from relatives, but nothing worked out, remember that single moms are not alone.

1FirstCashAdvance Finance Writer

Kerry Vetter is a consumer finance expert and writer, who has been engaged in creating finance-related content for more than ten years. Her expertise is approved by obtaining a Bachelor of Science in Finance from Boston College, as well as receiving three major certificates as a professional advisor and counselor.  At the moment, Kerry is an author of multiple educational articles and insights that have been created in order to increase and develop financial literacy and responsible borrowing among US citizens. Her expert relevant savings advice has helped a lot of people overcome their financial issues and find out more about principles of smart spending, the right investment decisions, and budgeting.  You can read more about Kerry’s professional background here.


  • Shannon Thornton November 22 2022, 19:00

    I’m in need of a car and I have no money to get one.The reason I need a car first my children had to walk in the cold of winter for two yrs.my kids have got sick from walking in the freezing cold.I feel terrible for my kids having to walk to and from school and don’t get bus.Mulvane don’t have no buses like they do in Wichita and Derby ks.I am studying for my license now .My last car I had was about 3 or 4 yrs ago but at that time I had got pulled over without car insurance so they took my license for 3yrs so now I am able to drive again if I pass my test and if possibly get a car then that would be a miracle.I am on s.s.I.I’m unable to keep a job due to being in a couple car wrecks hurting my back neck and legs.Things have changed my sick mother has moved in with me and my kids.I have to take care of her cuz she is on oxygen at all times .she can make it to the toilet and it is a portable toilet in the living room by where she sleeps on my coach .That’s how far she can move.She has such a hard time breathing that is why she stays seated.She can’t do any chores or go anywhere so the nurses come to our house to see her but she wants to go out of the house to go see other doctors that is very important.She just got out the hospital and stayed a whole month.She has bad lungs but she doesn’t smoke anymore.I would love to be able to help get her to doctor appointments plus me also.If I had a car I could sell my plasma for xtra money and if I had a car again I would always have car insurance.It’s been horrible my kids haven’t had a ride to the doctor or dentist appointments for a few yrs cuz no family to help with rides.My daughter is in 7th grade needed shots for the grade she’s in but no way.The state rides are terrible cuz they just leave you then you gotta call them over and over to try to get a ride your stuck outside waiting and I got all chronic pain so it’s hard on me and kids.My mom needs to go to the cancer doctor office my st Francis to check her lungs.My moms stumach legs and her face all swollen and she needs my help please her my mom ,my kids and myself.It’s awful we never can go to get groceries we have to order them to deliver which is handy but they don’t bring ice and other stuff.I just miss being there at the store in person picking grocery’s.Please help me and I am a single mom of 3.Here is my cell 3163729601 Shannon Thornton

  • Sarah Osborne November 17 2022, 04:18

    I am disabled with four children and could greatly benefit from all the services you offer. Please reach out to me asap at (360) 580-7453 and let me know if you are able to help.

    Thank you,
    Sarah Osborne

  • Benaja Norman November 14 2022, 16:33

    Hi I’m a single mom of 2 I’m currently going through breast cancer I only have medicade,wic and food stamps I really need help with receiving money or a grant anything to buy other things for my self and kids

  • Rene November 12 2022, 19:26

    I’m Mother of 2. Need help staying in my place as the holidays are rolling around. Is there help of single mothers experiencing a hard time.

  • Tiffany October 27 2022, 07:47

    I’m so lost and I’ve got to find my way for my 6 year old son. In the last year we lost my mother to covid after he started kindergarten he and I both tested positive and gave it to my mother who was his main caretaker and my stepfather and unfortunately he made it and she didn’t. He is an evil man. He is a predator. He raised my sister and me since we were babies but not without a price. My sister who was a year and 2 days older than me just recently got diagnosed with kidney cancer but had a heart attack and died right in front of me instead. On her death bed this man was sending vulgar nasty messages waving money in front of her face. She hated him probably more than I do but now I’m stuck here without my mom and sister in the same house as him and my alcoholic drug addicted nephew who has punched me before as well as my stepfather has. I don’t want my child around this and I want to take him somewhere and never look back. Any suggestions? Tiffany 704-460-5504 [email protected]

  • Casey camp October 13 2022, 05:06

    Hello, I ran across you’re page when looking for help with single disabled mothers. If you help in anyway resources whatever. I’d be very appreciative. Thank you for you time on this matter.

    Casey camp

  • markeisha g davis October 7 2022, 15:07

    i need rent assitance and cash i really need help

  • Michelle petro September 29 2022, 09:08

    I need help fixing a water line that may freeze if not fixed before winter. I am a single mother with no help. I spent what little I had saved already trying to fix it

  • Rose August 19 2022, 18:18

    Hi. I will like to ask about the single mothers financial aid assitance and requiremnts.thankyou.

  • Omolola May 8 2022, 17:39

    Pls help me with cash to feed my children and my rent is due

  • Myra Mason March 10 2022, 22:39

    I had to go on the run with my two kids from my abusive husband. We are in a little town in Arizona. I was able to get a room for us for one night but have no way to pay for longer. Do you know where I can get help for food and shelter without my name being ran. I can’t have my husband find us

  • Sammy March 5 2022, 03:14

    I’ve been going through a rough patch lately, lost my job , I’ve been looking but mostly everything requires me to have a car , single mother of a 4 year old girl trying to make it but it’s been hard because so much has been going on and not having no one to help . Any advice is appreciated

  • Sheena persinger December 11 2021, 15:50

    I am having an extremely hard time, I lost my job because of COVID and they laid me off when it came. Time to work. I have no money for Christmas no family to help at all, I was to late to sign up to salvation army for assistance, everywhere I turn I can’t get help, I’m ok going without it’s just my son I’m devastated about , I’m hoping and praying I can find help

  • Kelli M Fisher October 28 2021, 08:42

    My number is 7273490391 the phone is off this is a app

  • Kelli M Fisher October 28 2021, 08:40

    Please help I am a single mom I have not received assistance and I don’t have any money to pay a bill or take us until we can get help