Whether you are struggling to put food on the table or looking for a way to make a return to school a reality, life with a low income is not easy. There are several programs that offer help in New Jersey so that you can have your dreams for you children and yourself come true. There are a lot of grants, programs and assistance programs that can help with childcare, healthcare, rent and more for you and your family.
Having a safe, welcoming place for your child to go when you are working is essential. The Department of Human Services offers New Jersey residents help with paying for quality childcare for their kids.
The income-based program is available to low and moderate-income families who are working or attending school.
Raising your child in Trenton has now become easier with the help of Child Care Connection. This organization provides affordable childcare. So while you are busy doing hard work to earn for the family, your child is being taken of and won’t get in the way of your work. They also help train parents so that they can be the best parent they can be.
Those who belong to a low income family often do not return to school because of the tuition bill. The state of New Jersey and the federal government have several grant and scholarship options that can make a degree a reality for you. To find out about local and state grant options, click here. To apply for federal aid, file for FAFSA.
If you have limited resources and no health insurance, you might qualify for New Jersey’s Medicaid Program. The program is available to families with dependent children and pregnant women, offering access to medical care that may otherwise be impossible to afford.
NJ FamilyCare is a state program specifically targeted to families with children. Since this is statewide instead of national, it will be a lot easier to get this program.
Paterson: In the laid back city of New Jersey, Paterson provides a lot of health benefits, especially healthcare. A trusted company, St Joseph’s provides financial assistance to eligible patients so that you and your family can be insured with quality insurance and have a peace of mind if any of them get sick.
Food and Supplies
If you struggle to find the money to put food on the table, New Jersey’s Food Stamps Program may be able to help. The income-based program gives financial assistance to families with limited resources that they can use to buy food for their families.
WIC is a similar program that offers supplemental nutrition specifically to families with babies and young children.
New Jersey School Breakfast and Lunch Program
Both School Breakfast Program (SBP) and National School Lunch Program (NSLP) are funded by the Federal Government with the sole intention to provide nutritious meals to kids each day. The meals adhere to the nutritional standards established by the Federal Government.
New Jersey Special Milk Program
This program aims to enhance the health of school-going kids so that they may excel academically. Schools participating in National School Lunch and School Breakfast programs cannot take part in Special Milk Program (SMP).
However, they can join Split Session Kindergarten Milk Program to provide milk to those school kids who aren’t enrolled in National School Lunch Program.
New Jersey Head Start
The Head Start program aims to help in the social, emotional and cognitive development of kids below the age of 5 coming from families with lower incomes. It basically prepares your child for school.
By providing a proper learning environment, the program plays a crucial role in enhancing language and literacy development. Another objective of the program is to increase parent involvement who as some think, is first teacher of the child. As close bonds are nurtured, the well-being of the family is established.
For infants and toddlers together with pregnant women coming from families with incomes lower than the Federal government defined poverty level, Early Head Start program is available. Children of low-income families residing in New Jersey and less than 5 years can use the benefits of Head Start or Early Head Start programs.
If you do not own a car or another reliable source of transportation, look around for public transportation options so you can easily get to and from work or school. The Bus and Train schedules can be found here.
If there is not a convenient option for you, talk to co-workers or students in college and see if someone would be willing to swap transportation for another service, like evening childcare for their kids.
The state of New Jersey understands how important a good home is for its children. As a result, the state offers a few rental assistance programs to ensure that all families have a warm place to live.
If you cannot make the rent payment from month to month, there is a lot of help. Find out more about these programs and see how much you can benefit from them. For housing try HUD and get many grants so you and your family can have a safe place to live.
New Jersey Unemployment Insurance Program
This is an excellent program to receive temporary assistance if you have lost your job. The eligibility criteria of Unemployment Insurance Program is quite simple. If you have been working in New Jersey for 1 or 1 ½ years and got minimum wages as proposed in the program guidelines, you become eligible to obtain assistance.
New Jersey Low-Income Home Energy Assistance Program
The primary objective of New Jersey Low-Income Home Energy Assistance Program (LIHEAP) is to help families who can’t afford it meet their energy expenses with ease. LIHEAP provides funds to pay off the heating and cooling costs, deal with an energy crisis and manage home weatherization and home repairs to bring down the energy costs.
If you are availing rental assistance, you may not be eligible for LIHEAP program unless you bear your own heating and cooling costs.
For all New Jersey residents, be sure to make sure that you take a full inventory of all state assistance programs that are available in your state. Rent assistance and college grants are just a little piece of the great and many possibilities there are in New Jersey. Make sure that you are looking thoroughly into all the aid you can receive and are really making the best of limited resources — and also do your research!