Government Grants For Financial Hardships

Government Grants For Financial Hardships

Many people are beginning to drown in debt. Credit card debt levels are progressing every year and have reached $ 8,000 per person, according to some statistics. You definitely want to get out of debt; otherwise, you would not have been reading this article. Or are you probably looking for ways to earn more and spend less with better education or job?

Government Grants For Financial Hardships
Government Grants For Financial Hardships

If you are a single parent and are raising children on your own just making ends meet, you may find it interesting that the US government offers free money to qualifying single mothers. Many of us find information online that government grants are available to those in need, with no reimbursement required. Many have wondered if it is true.

Free Government and Personal Assistance with Paying Bills

If you are having trouble paying your home loan, Hardship Financial Assistance can help you tremendously. Many financial institutions provide financial hardship assistance and can help you learn about your eligibility. If your home loan is close to or already in default, you will have to do something or you will lose your home.

For you to qualify for Hardship Assistance, you will have to meet certain standards. Here are some ways to find out if you may qualify for such assistance.

State Assistance Programs For Financial Hardship

Almost every state will offer hardship grants to help pay bills and financial debts. Although there may be no grants financial assistance always be there to remove your financial hardships. These all grants and assistance basically need-based and given to the low-income or no-income families. Such as:

Government loans assistance is there. Any house owners who need free loan assistance from a state or non-profit can contact with HUD office.

Many states also offer rental assistance programs. The federal government has all kinds of housing assistance. The most popular rental program was Section 8 Rental programs for low-income families, single parents, or the homeless who need emergency housing.

Financial assistance from utility companies could also help you. In maximum state utility companies offers some kind of emergency funds. Maximum utility and electrical companies offer low-income customers emergency funds.

Water bills assistance programs are also there. American Water is one of the largest water providers that offer emergency financial grants for those who are unable to pay their bills.

Find Local Charities That Will Help With Paying Bills

There are several non-profit organizations and charities throughout the united states like the salvation army and operation round-up that help low-income families to pay their bills. These grants programs cover your utility bills, water bills, and others. Many charities offer helps with paying bills like:

Catholic charities are one of the biggest churches community that spread throughout the united states. Catholic charities offer various grants and financial assistance to low-income families, single parents, and others with financial needs.

Local charities also offer medical and health assistance. Many times they arrange free medical camps for all needy people. They also provide financial assistance to pay hospital bills to needy people. Many hospitals also offer free medical or dental or eye care assistance for low-income families.

Churches also offer all kinds of assistance like free clothes, rental assistance, bills assistance, health care, and more.

Episcopal Church is a national group that helps financially weak families and those who live in poverty. Find out more charities that help low-income families.

Grants For Financial Hardships
Grants For Financial Hardships

Government Financial Assistance Program

Temporary Assistance for Needy Families, or TANF: Temporary Assistance Needy Families offers emergency financial assistance to low-income families. This program also provides child care and job training to needy people for a limited time.

Supplemental Security Income, or SSI– Supplemental Security Income provides a beneficial program to senior citizens, aged, and disabled people.

Free Personal Grants For Financial Hardships

You can get personal grants to buy a new home, a new car, or repair your current house, pay bills or debts, and more. Some examples of government personal grants are:

  • Home Buy
  • Home Restore
  • Help Pay Rent
  • School Fees
  • Heating and Utility Bills
  • Childcare Bills
  • New Car & Fuel
  • Clothes
  • Housing Help

Grants That Helps Paying Utility Bills

Many utility and electrical companies offer some types of emergency financial assistance like disaster grants or vouchers to their customers. They also provide one-time vouchers that pay your utility bills. Also, there are non-profit organizations charities and churches are there that offer assistance to paying bills for low-income families.

Food Assistance Program

There are many food assistance programs are available in the united states like Food Stamps or you can call Supplemental Nutrition Assistance Program (SNAP) that offers free food to all needy people. They have food banks all over America that provides daily groceries to the needy and low-income families.

There is also a specific program for single mothers or pregnant women called WIC or Women Infants and Children that provides nutritious foods to pregnant women, mothers, and their children also. Visit your nearest WIC office to apply for this program.

Housing and Rental Assistance program

The United States Department of Housing and Urban Development programs offer many housing assistance and rental assistance to low-income people and families with financial needs. The Section 8 Rental Assistance program offers housing vouchers that help with paying your rent. They also have housing assistance and an emergency shelter program. Visit the HUD website for more program details.

Educational Grants For College

The federal government offers many college grants to low-income students and single parents to help them pay for their college. The federal pell grant is one of the largest federal student aid. To apply for a Pell grant or any federal college grant fill out the FAFSA form and submit it

How to Get Free Government Money You Never Pay Back

For those who find grants from the government, they can find 100’s of government grants from their home.

  • Visit GRANTS.GOV, the official website of federal government. There are more then thousands grants for various needs.
  • Log In to the grants.gov and get the subscription.
  • Find grants that match your needs and eligibility.
  • Download the form, fill it and submit it.

Grants For Financial Hardships.

Emergency Hardship Funds – Get Free Grants 2021

Emergency Hardship Funds

With the current economic crisis facing the world, it has created many financial difficulties. Retirees can attest to such financial difficulties because the recent financial market downturn has brought about a lot of money from shareholders’ investments.

Emergency Hardship Funds
Emergency Hardship Funds

Retirees who have indexed pensions may not be as affected by the pension. However, those who live off the income from their investments can experience financial difficulties during tough economic times.

To minimize the effects of a recession or economic turmoil, some strategies can be implemented. One way is to create an emergency savings fund. An emergency savings fund will provide you with money, especially during tough times.

When you are planning to create an emergency savings fund, you may want to put it in an easily accessible savings account so you can get it when you need it. Although you may not get higher interest with that type of savings account, you can always access your funds when you need them.

With that easy access, you may find it difficult to leave that money there and not be tempted to touch it. However, having an emergency hardship fund gives you a sense of security because you know you can survive even during tough economic times. You can be at ease and not feel stressed in general.

On the other hand, those who do not save money feel insecure and always worry about how they could survive the economic crisis. For those without emergency funds, simple problems like replacing a lost cell phone can be very stressful.

Get Emergency Hardship Funds Now

In general, saving money is a calculated process. You need to allocate funds regularly so that you can raise a sufficient amount for emergency use. If you plan to set up emergency funds, you should save for expenses of at least six to eight months. An automatic transfer from your bank account to your emergency funds account would be the most convenient method to start saving for your emergency funds.

Seeking the help of an expert can greatly improve your skills in managing your finances and surviving the economic crisis. Apart from that, you will also get more knowledge about managing your emergency funds and where to put them while you are still saving for them.

State Assistance And Grant Program

Almost every state government and local government offer grants and financial assistance that can be utilized to pay your bills and debts. Low-income families who facing a financial crisis can be applied for this state assistance. These assistance programs are specially designed for low-income families and parents who currently face financial debts and don’t able to pay their bills. Contact your local state offices for more details.

Get Financial Help and Grants From Charities

There are many non-profit organizations are there that help with emergency hardship funds. Organizations like catholic charities, operation round-up, and the salvation army help low-income families and individuals with emergency cash and grants to pay their bills and debts.

Catholic charities help single mothers and parents with paying bills, offers free cloths and grocery. They also have many programs that give low-income families financial strength. Contact your local charities for more grant programs.

Get Government Personal Grants

There are several personal grants available for financial hardships. These personal grants offer emergency hardship funds to pay debts. You can also use these funds to buy a new car, improve your current home, travel the world, pay bills, and more. There are also personal grants available for aged persons, disabled, veterans, and low-income families.

Government Grants For Emergency Housing and Rent Hardships

There is many government emergency housing assistance for low-income families and for those who need hardship grants. The United States Department of Housing and Urban Development offers section 8 rental assistance for single parents and low-income families. There is also public housing assistance that offers emergency housing assistance.

Emergency Hardship Funds
Emergency Hardship Funds

Grants That Helps With Foods

There are several food banks are there all over America. Supplemental Nutrition Assistance Program or SNAP offers food assistance for low-income families, single parents, disabled, or aged persons. SNAP provides a card that offers limited foods and groceries for low-income families. Visit your nearest SANP office for the application process.

Grants To Pay Utility Bills

Maximum utility and electric companies provide some crisis funds to their customers. If you are facing some financial crisis then they provide emergency disaster assistance. They provide financial assistance, vouchers to pay your utility bills.

Maximum times they provide a portion of your bills and this type of grant offers one-time financial assistance to pay bills. Also, some non-profit organizations and charities offer utility bills assistance.

Education Grants For Low-Income Students

If you are from low-income families then you may face trouble paying your college fees. So there are also college assistance and college grants for low-income students and single parents.

Fill the FAFSA form and submit it to get federal student aid like pell grant, federal supplemental educational opportunity grant (FSEOG), ACG, National SMART grants, and others states college assistance to helps low-income college students.

Business Hardship Grants

Small business owners can also get business hardship grants from the federal government. This grant helps small-business owners and minority or rural business owners with financial assistance to grow their businesses. There are also companies and non-federal organizations that offer small business grants to pay debts and grow their small business.

Bottom Line

None of us can predict the next financial difficulties that life throws at us. Your car might break down unexpectedly next week, or you may have to make a surprise visit to your local emergency room. Who knows?! The only thing we can be sure of is that life will generate unexpected expenses that we will all be forced to pay, whether we are willing to do so or not.

Fortunately, there is a sure remedy to ensure that such financial difficulties can be handled in a way that makes difficult circumstances more manageable.

Emergency Hardship Funds.

Hardship Grants For Single Moms

Hardship Grants For Single Moms

There are federal hardship grants for single moms that you can get to help you get rid of the debt you currently have. Most people search the internet for a solution that will help them get out of their debt situation. The problem is, they don’t know where to look or what their options are. Using grant money can be one of the best ways to get free cash to pay for your credit card bills.

There are benefits to applying for these federal programs and if you have the money you need, keep it. Unlike a loan that you ultimately have to pay back, Hardship Grants For Single Moms are funds that the state uses to help you reduce debt. Of course, you have to keep in mind that there are many Hardship Grants For Single Moms and scholarships out there and only certain ones will help you with your personal finances.

Get Hardship Grants For Single Mothers

Look online for the money you need to start over. Remember that if you got caught on a loan because so many people did the same thing, you shouldn’t be yourself. Not only can you look at the economy and see how many people are out of work, and you can find that you are not alone with high debt.

They say the economy is recovering, but the truth is that if you don’t have a job, you don’t have a job. You still have a huge burden of debt that you cannot pay. Your best option is to seek help from the government as it is available during these tough economic times.

How To Get Hardship Grants For Single Moms?

It is important that you keep your head up and not be ashamed just because you have been in financial need. You need to keep your rights so that the time it takes to find this free scholarship will help you get your finances back in order. They know that adding more dead than you can afford creates a lot of stress in your life. You want to try to keep calm and spend a little time each day trying to find a solution to get rid of your debt.

Hardship Grants For Single Moms
Hardship Grants For Single Moms

Remember that you can get federal hardship grants for single moms so you don’t have any debts. This money can help you get your finances back in order. Be positive and focused so you can get all of the bills you have currently paid in full in a short amount of time.

Listing Of Hardship Grants Provide You Fast Cash

Here’s a list of Hardship Grants Provide You Fast Cash:

Food Programs For Single Mothers

Diet is important to children’s growing up and development, especially when it comes to school learning. Oftentimes, food can become a temporary shelter. The Supplemental Nutrition Assistance Programs helps single mothers and their children with foods vouchers, foods, fruits, and meats. These programs help meet some of the family’s food needs. More on government food aid. Millions of mothers use SNAP grocery stamps in addition to US Department of Agriculture WIC vouchers.

Education Grants For Single Mothers

If you are a single mother and want to go to school back. Then there are many government assistance programs are available to help you. Federal education grants like Pell Grants for single mothers help single mothers to continue their studies. Also, there are Federal Supplemental Opportunity Grants For single mothers are available for single mothers. Moreover, TEACH Grants are available for single mothers.

There are also many grants and scholarships are available for single mothers like SMART grants, ACG grants, Answer scholarships, Capture The Dream Scholarships. You can visit the official website of the U.S Department of Education and check out the list of Hardship Grants For Single Moms.

Free Cars For Single Mothers

Single mothers with low income can’t afford their own cars. There are many organizations that provide single mothers to get cars to buy through auto programs, can earn money necessary for customers to purchase new cars and single mothers car coupons, cover money or pay for the full amount of the vehicle. But also check out each and everything, There are many organizations that pretend to be Non-profits, But actually, they are fake.

Church Assistance Program For Single Mothers

Church Assistance Program offers Hardship Grants For Single Moms like emergency housing, shelter, food, clothes, and pay bills. If you are a single mom, then contact your local catholic charities to receive shelter, food, meals, housing, clothes, and financial assistance. This nonprofit organization can also provide both short and long-term housing assistance, free meals, and employment support to displaced families.

Housing Grants For Single Mothers

The Federal Ministry for Housing and Urban Development (HUD) offers housing assistance through housing vouchers according to Section 8, a program aimed at men and women with relatively low incomes for homeowners struggling with their monthly mortgage payments and threatened with foreclosure.

Hardship Grants For Single Moms
Hardship Grants For Single Moms

The US Department of Housing and Urban Development (HUD) offers a number of programs to help. The HUD even offers Hardship Grants For Single Moms programs that can help you transition to a cheaper apartment. Contact your local public housing company or regional HUD office for information.

Personal Grants For Single Mothers

The nice thing about personal grants with no security is that you don’t have to put a fortune in for the loan, there are no personal scholarships that are specifically tailored to a mom’s needs.

Home energy assistance For single mothers

If you need help with energy bills, you can check out the Low Income Home Energy Assistance Program (LIHEAP) administered by the Department of Health and Human Services. This Hardship Grants For Single Moms program also offers weathering assistance and minor energy-related repairs to the home. the cash, which can be up to $ 350, can cover heating and cooling bills.

Child Care Assistance For Single Mothers

This is even more true for single mothers who have no one to look after their children. To find out what CCAP funding programs are available in your location, you can contact the Department of Social Services or Education in your state.

The CCAP’s sub-programs include the First Work Child Care for Working Families, which could offer maximum benefits worth up to $ 326 per month, and the Job Connection Child Care Subsidy, which is designed for families who are unemployed but receive recognized training.

Government Hardship Grants For Single Mothers

This is a real work process. Government debt relief has improved the financial condition of credit card companies. Hence, they are not very desperate to collect the actual fees from customers. Apart from that, this is also not possible. Millions of people are credit card defaulters and most of them are unable to pay. Even after state debt relief and federal hardship grants for single moms, corporate backers are only twenty percent of the actual amount. They accept it because something is better than nothing.

Government Hardship Grants Provide You Fast Cash

It is obvious that the government is not going to help businesses forever. They support them until the country leaves the recession behind and conditions stabilize again. Once the banks regain substantial funds, that amount will multiply.

You should know that all means of assistance depend on the help of the state. Get your debt reduced before your time runs out. You have to pay for everything you spent.

What is a hardship grant?

The government offers hardship grants for single moms to make life easier for a country’s citizens and to help them pay certain expenses. The grants can help low-income households, individuals setting up a business or funding job programs, the disabled, and families in difficulty.

Hardship Grants For Single Moms

Hardship Grants Provide You Fast Cash

Hardship Grants Provide You Fast Cash

Those who want to get free from financial debt and get help to pay bills can participate in free debt relief and cash aid programs offered by the government and other private organizations. This is a financial assistance program that US citizens can apply for and receive financial hardship grants from the government.

Government hardship grants are grants that provide fast cash options to help individuals in paying their various bills like medical or medical bills, family bills, utility bills, or different bills. However, each and every people have different requirements. 

Although getting any grants is not that’s easy that you think. However, in this article, I clear out all of your quarries about government hardship grants. I’ll talk about all types of hardship grants and also discuss the eligibility requirements and the application process. So keep in tune with me.

Hardship Grants Provide You Fast Cash
Hardship Grants Provide You Fast Cash

How To Get Government Hardship Grants You Never Payback?

The federal government offers and provides various hardship grants. You may found grant providers in every place. So now the question is that how to apply for them? Let me clear out about the application process. That is the most simple process that I told you. In simply 4 steps you’ll be able to submit your hardship grants provide you fast cash application.

  1. Go to Grant.gov web site. It’s a authorities grant web page for various grants. First step is to find your suitable grants. Mean what type of grants you need.
  2. It’s important to sing up in web site to check for grants. It is a very simple process. So sing up your account for further process.
  3. When you find out your suitable grants click on on this grants. Then you will find the entire details of this grants and also find the criteria for apply for this grants.
  4. The final process is download the grants form and get the hard copy or print copy of this form. Fill up this form very carefully. Attach all the related doc and sent it to the mention address.

How to Find a Hardship Government Grant for Me?

Some counties offer grants for one-time, but you have to apply for hardship grants money for single mother’s assistance for the Needy Families Program, food stamps, and other assistance programs. Some foundations may want income proof before gives you the grant amount.

Foundation Center provides detailed knowledge of grants. Research potential grant opportunities using a grant database, for example, foundationcenter.org. It is important to understand the term and conditions of each grant when you apply for them.

If you don’t know how to use the database, the Foundation Center offers a simple tutorial. If you are trying to find a grant for living costs, you can look at the lease, food assistance, mortgage, utilities, and housing.

Government Financial Hardship Grants For Veterans

The government of the United States provides various assistance for veterans. Various free cash grants can be found for the family of military individuals. The federal government provides assistance to those who face difficulties due to military programs and accidents.

It covers home payments, medical payments, and others necessities. Below we mentioned the list of hardship grants for veterans:

  1. The Armed Forces Foundation
  2. Salute Heroes
  3. USA Cares
  4. Military Scholarships
  5. Hope for the Warriors
  6. Modest Needs Group
  7. Rebuild Hope

Government Hardship Grants For Unemployed

Many organizations give you government hardship grants for unemployed like advantages that you probably have exhausted your extension. Also the local authorities, non-profit organizations, local groups help you in that case. They could give you bill payments, meals, and education. 

Moreover, unemployed individuals can get hardship grants to provide you fast cash program. Apply for hardship grants and wait for the approval.

You may get the government hardship loan benefit, often known as emergency unemployment compensation. The state government gives it.

Remember that you can resubmit your application for next year. When the current year is finished then once more submit your application. Keep in mind that every year eligibility criteria were changed.

Government Hardship Grants For Disabled People

Mainly there are two big issues for disabled people. One is that disabled people must travel a lot via public transport and second is the medical cost. The federal government attempt to resolve these issues of disabled individuals.

Free cars for disabled people is one the best assistance for disabled people. At current programs available in the Healthcare and Pharmaceutical Profit (ASPF), the Mobility and Transportation Bills Subsidy and the Minimum Income Guarantee Subsidy (SGIM). There are also many hardship grants for disabled children and their parents.

Government Hardship Grants For Single Mothers

Being a single father or mother is one of the toughest jobs. Moreover being a single mother is a little tougher. Single moms have to handle many issues in a single hand and the main problem is financial. 

The government hardship grants for single mothers assist her in all possible ways. Social help and monetary help are offered by many different organizations, NGOs, non-profits, charities, and nonsecular organizations for the household. Moreover, you can also apply for hardship grants for single mothers additionally.

Government Hardship Grants For College Students

Education is everything for any person. A good education can build your nature and career. Proper education gives you proper knowledge. However, for needy students, it is hard to continue higher schooling. In that case, grants play a big role.

No matter path you select, you’re going to get a scholarship for your high school or college. You don’t have to reimburse them again. Academic institutes, universities, non-profit organizations, social organizations, private companies, employers, and people provide 1000’s scholarships.

For the scholars, the best grant is the Pell Grant. However, if you’d like hardship grants for education that is additionally available for you.

Financial Hardship Grants For Single Mothers

The human service or social service division within the county, state, can provide you the knowledge associated with financial help programs for single women, WIC kids program, meals stamps/ Supplemental Nutrition Assistance Program, TANF, medicines, and short-term financial aid program, and Meals dietary supplements for infants are a few of the programs that offer hardship grants provide you fast cash to a single mom.

Even a single mother can apply for the federal government hardship grants for single moms supplied by the federal authorities. There are more than 900 packages within the US only that aimed to assist single moms. It additionally consists of programs that help low-income households to pay for housing, daycare, utility and energy bills, and other daily expenses. 

Visit the nearest Division of Human or Social Companies for more details about government hardship grants programs, necessities, eligibility standards, and others.

Hardship Grants Provide You Fast Cash
Hardship Grants Provide You Fast Cash

Government Hardship Grants For Senior Citizen

Many senior-aged have no idea about what’s a monetary hardship grant? The grants for senior citizen is financial grants supplied by the federal authorities under numerous nationwide programs. It goals to offer monetary and social safety to the senior citizen and ensures a higher lifestyle.

The Grants for the aged are both direct or indirect financial assistance supplied by the federal authorities. Both they supply grants through numerous programs or give them to the state authorities or known non-profit organizations or charities for efficient distribution of free government cash that you don’t have to pay back.

Get Emergency Hardship Loans

Hardship loans are the best option for emergency financial needs. But remember that these loans are short-term basis and can be very costly. Before goes for hardship loans check out all the options that you have. Check out all the plans and select the plans that you can afford.

So what are hardship loans? The answer is there are no specific definitions for this loan but many peoples are told that hardship loans are given to the people who currently facing financial hardship and need emergency cash as soon as possible. 401 (K) loans are the best example of hardship loans.

Always remember that 401 (K) loans are not free government money. These are loans and you have to pay them back with interest. If you are unable to pay the loan amount then you can face financial penalties. For more information and the application process, you can talk to your 401 (K) loan professional and apply for hardship loans.

Hardship Grant Application

Find the place to get federal hardship grants or personal grants. There are assets for low-income households, single moms, the disabled, the unemployed, and other needy people. The federal government or free charitable grants can provide money to assist pay for housing, lease, utilities, a brand new automotive, medical bills, and even transportation prices. These financial funds also help to start a small business.

Maximum people don’t even apply for free authority or private grants as they think that it isn’t for them, they have no idea who to contact, or they think that there are thing commission rates. But the reality is that people from everywhere in the nation can receive free grant cash in addition to different monetary advantages from the federal government.

Government Hardship Grants Covid

This financial aid or grant is for USA residents. Funding is aim to assist service employees, along with a staff of salons, eating places, and automotive service, who’s lost their jobs through the pandemic or will not be capable to work due to quarantines or other health conditions.

Government Hardship Grants For Families In Need

For low-income neddy families, hardship grants play a big role. Government grants are supplied to the no-profits, colleges, faculties, and hospitals. When you get it, you then don’t have to pay the grant back.

Hardship grants provide you fast cash that can assist you in numerous ways like help you with family expenses, pay for job packages, support you start a small business. The hardship grants provide you fast cash that doesn’t have to pay back to the state or federal government. We point out some hardship grants that provide you fast cash:

  • Government Housing Grants for low-income households
  • U.S Authorities assist in paying payments and utilities
  • Government loans and grants
  • U.S Government down payment help
  • Government unclaimed funds
  • Government private grants
  • U.S Authorities tax credit score assist for healthcare insurance coverage

So lastly we have discussed some important points. Each and every year thousands of people apply for these grants and say that they need financial aid. But helping all of them is not possible for any government. So the requirements are getting tough day by day. But it’s become for low-income or rural and Hispanic families and peoples.

We also think that this article is giving you valuable information about the hardships grants. We always give valuable information regarding government grants, financial assistance, private grants, scholarships, and others. So stay tuned with us to know the grant and free money details and stay updated.

How can I get free money from the government?

8 ways to get free money from the government:-

  • Find unclaimed money.
  • Find unclaimed pension funds.
  • Get help with the down payment.
  • Apply for Educational Scholarships.
  • Get help with child care expenses.
  • Accept health care credits.
  • Get free or reduced health care for your children.
  • Get help with utilities.

Frequent Asked Questions About Hardship Grants Provide You Fast Cash

Do you have to pay back the financial hardship fund?

Hardship Fund paid in a lump sum or in installments. Usually, you will not have to pay the money back, but in some cases, you will get a loan that you will have to repay.

Can I get a government grant to fix my home?

Your local authority can help you do one of the following: adapt, improve or repair your home. This could be in the form of a grant or loan.

Buy a new home if you decide that this would be a better way to improve your living conditions than doing work on your current home.

What is The Hardship Grant?

Government Hardship Grants Provide You Fast Cash, Personal Grants, or Personal Hardship Financial Grants Most forms of home help, medical bills, or other expenses such as debt relief are provided by associations or government aid grants from foundations.

How do I Get Out of Financial Hardship?

Adjust your budget to accommodate changes in your income.
Communicate with your service providers.
Determine what emergency financial programs your lenders offer.
Negotiate invoices in collections.
Find a side gig for extra income.
Do not give up.

How much do you receive for the financial hardship fund?

The hardship payment is approximately 60% of the amount you were penalized in the last month. If you are still struggling to cover your costs, there may be other ways to get help with living costs while you have a penalty.