Financial help for a divorced woman

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Available Help:

  1. Section 8 Housing
  2. Homeless Shelter
  3. TANF
  4. Food Stamps
  5. Medicaid
  6. Child Care Vouchers
  7. Charities
  8. Federal Financial Aid / Scholarships
  9. HUD Grants
  10. WIOA
  11. Grants for Women
  12. Other / Non-Profits


1. Section 8 Housing

Divorced women who have no or very low income or are mothers with young kids and receive no child support are the ones who are at a higher risk of homelessness.  If they have been completely abandoned by an ex or are facing homelessness, they can apply for Section 8 Housing Choice Vouchers at their local public housing agency (PHA) or housing and urban development (HUD) office.    Several landlords have agreements in place that allow low-income individuals to pay their rent with these vouchers.  Depending on the woman's status whether she is living alone or with kids she can decide if she would like to live in an apartment, condo, or a house.

2. Homeless Hotel / Shelter

Several cities and states have homeless hotels and shelters that a divorced woman with or without kids facing homelessness can temporarily use. They are much safer than living on the streets.  



Temporary Assistance to Needy Families (TANF) is a federal program that works through various local agencies including state, territorial and tribal to offer monthly support payments to families for a limited period. The program can specifically help divorced women with children. They also provide employment and any necessary training to become employed. It is one of the requirements to receive TANF. To apply women can go to their local welfare or social services office. You can find out your state's TANF program here.


4. Food Stamps

Many divorced women with no or low income may qualify for the SNAP program also known as the food stamps program. This federally funded and locally managed program allows them to buy groceries for themselves and their kids. The SNAP amount is approved based on the number of kids and the total income and other financial resources. Women can apply for Food Stamps at the local social services or welfare office.


5. Medicaid

Medicaid comes in very handy, especially if the woman has kids and her ex doesn't have any health insurance coverage. She can qualify for Medicaid even if she doesn't have any kids and lacks resources to pay for her medical treatment. Almost all doctors, hospitals, and pharmacies accept Medicaid as an insurance option. A divorced woman can apply for Medicaid at their local social services office.


6. Child Care Vouchers

Most low-income single mothers can qualify for child care vouchers to pay for the subsidized daycare while at school or work. It is a financial assistance programs aimed at reducing the cost burden of child care for low-income families. These vouchers, typically issued by government agencies or community organizations, work like certificates that can be used toward child care services at licensed or approved providers. They provide much-needed support for working parents or those attending school, enabling them to access safe and reliable care for their children while pursuing education or employment opportunities. While eligibility and program specifics vary across locations, child care vouchers represent a crucial investment in early childhood development and family well-being, helping to improve social mobility and economic participation for future generations


7. Charities, Non-profits, Churches, Mosques, & Temples

Several charities, non-profits, and religious establishments have programs to support low-income divorced women and their children. For example, by visiting a Sikh Gurudwara they can feed themselves and their kids for free. Similarly, a church may be handing out free clothes and groceries. Divorced women should explore all available resources in their area to benefit from them.


8. Federal Financial Aid / Scholarships

Divorced women with low income can also qualify for grants and scholarships to get a free college education.  They can also see if family and friends are willing to contribute to a 529 College Savings Plan to fund their education.  The plan will allow the family and friends to get a tax break, and divorced women can pay for their education tax-free. This will allow  A college degree in healthcare or technology can significantly increase their income. 


9. HUD Grants for Divorced Women

Divorced women who are looking to buy a home can also qualify for a HUD grant.  If you were not the primary wage earner of the family you may qualify for a Displaced Homemaker grant under the Section 529 of HUD rules.  It can allow you to purchase a home with a lower interest rate and a smaller down payment.  To  qualify you must be:

  • 18 years or older
  • Haven't worked full time for the full year for several years
  • Spent most of the time taking care of home and family without any compensation
  • You are unemployed or underemployed.  You are experiencing difficulty in obtaining or upgrading employment
  • Single moms qualify for this grant as well

In addition to the HUD grant, you may also qualify for the American Dream Downpayment Initiative (ADDI) grant through your state's first time home buyer's assistance program.  If you qualify, you can purchase a single family home with the down payment and closing costs grant.


10. Federal Workforce Innovation and Opportunity Act 

Divorced women who are displaced homemakers can qualify for the free WIOA program.  Through this program you can earn certificates and degrees to become eligible for a better paying job.  You can also get skills assessment, job training, resume help, and interview coaching. The program is offered through your state's unemployment office.


11. Grants for Women

11.1 American Legion Family Emergency Grants

The American Legion Family Emergency Grants program offers financial assistance to eligible members and their families facing hardship due to natural disasters or other personal crises. There are two main programs within this initiative:


National Emergency Fund (NEF):

  • Who is eligible? American Legion and Sons of The American Legion members in good standing can apply.
  • Grant amount: Up to $3,000 per approved application.
  • Purpose of grants: Assist with expenses related to shelter, food, utilities, and medical care during times of emergency.
  • Examples of qualifying situations: Natural disasters (hurricanes, floods, tornadoes, etc.), unexpected medical bills, job loss, etc.


Auxiliary Emergency Fund (AEF):

  • Who is eligible? Members of the American Legion Auxiliary in good standing can apply.
  • Grant amount: Up to $2,400 per approved application.
  • Purpose of grants: Provide financial assistance during times of significant financial hardship caused by natural disasters or other personal crises.
  • Examples of qualifying situations: Similar to NEF, but with an emphasis on personal crises like unexpected household repairs, childcare needs, or funeral expenses.


Additional resources:


Here are some additional details you may find helpful:

  • Applications for both NEF and AEF grants are submitted through your local American Legion or American Legion Auxiliary post.
  • Grant decisions are made on a case-by-case basis, and funds are limited.
  • The American Legion also offers other financial assistance programs, such as Temporary Financial Assistance for children of qualifying veterans.



11. 2 The Hero Care Center

The Hero Care Center of the American Red Cross offers financial assistance, emotional support, and practical resources to those who need it most including women.


Who qualifies for help from the Hero Care Center?

  • Active duty service members in the Army, Navy, Air Force, Marines, or Coast Guard
  • Activated members of National Guard or Reserve units
  • Immediate family members of an active duty service member or activated National Guard or Reserve member
  • Veterans (retired service members) or spouse/widower of a veteran


What kind of help does the Hero Care Center offer?

  • Emergency financial assistance: Through partnerships with the Military Aid Societies, the Hero Care Center can connect eligible individuals and families with grants and loans for immediate needs like rent, utilities, food, car repairs, medical bills, and funeral expenses.
  • Disaster relief: If you are affected by a natural disaster, the Red Cross can provide financial assistance, food, shelter, and clothing through grants and loans.
  • Referrals to community resources: The Hero Care Center is a wealth of information and can connect you with local organizations and agencies that offer additional support services such as childcare, healthcare, legal aid, and housing assistance.
  • Emergency communication: If you are an active duty service member deployed overseas and a family emergency arises back home, the Hero Care Center can help you connect with your loved ones even in challenging circumstances.


How to apply for help from the Hero Care Center:

  • Call: The Hero Care Center is available 24/7/365 at 1-877-272-7337.
  • Submit an online request: Visit the American Red Cross website: and fill out the online form.
  • Download the Hero Care App: You can access support and resources directly from your phone through the Hero Care App, available on the App Store and Google Play.


11.3 Bill Pulte Foundation 

The Bill Pulte Foundation is a charitable organization founded by entrepreneur Bill Pulte that provides one-time financial assistance grants to individuals and families facing unexpected hardship. They aim to be a "hand up" during difficult times, helping people get back on their feet and overcome temporary setbacks.


Who is eligible for a grant from the Bill Pulte Foundation?

The foundation focuses on helping individuals and families who have fallen on hard times due to circumstances beyond their control, such as:

  • Medical emergencies: Serious illness, unexpected medical bills, or critical or terminal diagnoses.
  • Housing insecurity: Facing eviction, foreclosure, or inability to afford rent or utilities.
  • Natural disasters: Being impacted by hurricanes, floods, tornadoes, or other natural disasters.
  • Other unforeseen circumstances: Job loss, death of a family member, unexpected car repairs, or other significant hardships.


What types of grants does the Bill Pulte Foundation offer?

The foundation provides grants for a variety of essential needs, including:

  • Housing assistance: Help with rent, mortgage payments, or temporary housing.
  • Utilities: Assistance with paying overdue utility bills or preventing shutoff.
  • Medical bills: Help with covering medical expenses not covered by insurance.
  • Funeral expenses: Support with funeral costs for a deceased family member.


How much money can I receive?

The amount of each grant varies depending on the individual circumstances and needs. However, the foundation typically provides one-time grants ranging from $500 to $5,000.


How to apply for a grant from the Bill Pulte Foundation:

You can apply for a grant directly on the Bill Pulte Foundation website:

The application process is relatively simple and requires you to provide basic information about yourself, your situation, and your financial needs. You will also need to submit documentation to support your claims.

Important things to remember:

  • The foundation prioritizes individuals and families facing immediate and critical needs.
  • Be honest and transparent in your application. Only provide accurate information about your situation and financial needs.

Here are some additional resources that may be helpful if you are facing financial hardship:

I hope this information helps! Please let me know if you have any other questions.


11.4 The Children of Restaurant Employees (CORE) Grant

The CORE Grant is a gift of financial support available to qualifying food & beverage service employees with children who face a life-altering health crisis, injury, death, or natural disaster. It essentially offers a helping hand during difficult times.

Who is eligible to apply?

To be eligible for a CORE Grant, you must meet the following criteria:

  • Be an active food & beverage service employee or spouse of an active employee.
  • Have at least one child under the age of 21 living in your household.
  • Demonstrate financial hardship due to a qualifying life-altering event (medical crisis, injury, death, natural disaster).
  • Meet specific income eligibility requirements.

What expenses does the CORE Grant cover?

The CORE Grant can help with a variety of essential expenses, including:

  • Rent or mortgage payments
  • Utilities
  • Medical bills and supplies
  • Funeral expenses
  • Groceries
  • Clothing
  • Other necessary expenses related to the specific hardship

How much money can I receive?

The amount of each CORE Grant varies depending on the individual circumstances and needs. However, the maximum lifetime grant amount is $7,500.

How to apply for a CORE Grant:

You can apply for a CORE Grant online through the Children of Restaurant Employees website: The application process is relatively simple and requires you to provide basic information about yourself, your family, and your situation. You will also need to submit documentation to support your claims.

Additional resources:


11.5 Colleges and Universities Grants for Women

Pursuing higher education can be an empowering journey for women, opening doors to exciting careers and personal growth. While financial constraints can sometimes pose a hurdle, numerous scholarships and grants are specifically designed to support women on their academic paths. Here's a glimpse into some of the amazing opportunities available:

National Scholarships and Grants:

  • American Association of University Women (AAUW): Offering various fellowships and grants for undergraduate and graduate women in STEM fields, social sciences, and the arts, AAUW empowers women to achieve their academic aspirations.
  • National Endowment for the Humanities (NEH): The NEH provides fellowships and grants for women pursuing research and study in the humanities, fostering a deeper understanding of human history, culture, and values.
  • Ford Foundation: Dedicated to social justice and equality, the Ford Foundation offers fellowships and grants for women leaders addressing critical issues like climate change, economic inequality, and human rights.

Minority-Serving Institutions:

  • Hispanic Scholarship Fund (HSF): Committed to supporting Hispanic students, the HSF offers scholarships and grants for women at Hispanic-Serving Institutions (HSIs) across the United States.
  • Thurgood Marshall College Fund: Empowering African American students, the Thurgood Marshall College Fund provides scholarships and grants for women attending Historically Black Colleges and Universities (HBCUs).
  • Asian Pacific American Scholarship Fund (APASF): Supporting Asian American and Pacific Islander students, the APASF offers scholarships and grants for women at Asian American and Native American Pacific Islander-Serving Institutions (AANAPISIs).

Career-Specific Grants:

  • Society of Women Engineers (SWE): Encouraging women in engineering, SWE provides scholarships and grants for women pursuing degrees in engineering disciplines, fostering innovation and diversity in the field.
  • National Association of Women Lawyers (NAWL): Supporting women in law, the NAWL offers scholarships and grants for women enrolled in law school or pursuing legal careers, promoting gender equality in the legal profession.
  • American Medical Women's Association (AMWA): Advocating for women in medicine, the AMWA offers scholarships and grants for women in medical school and medical residency programs, advancing women's leadership in healthcare.


  • Research thoroughly: Explore scholarship and grant databases like, Fastweb, and College Board to discover opportunities aligned with your academic goals and financial needs.
  • Meet deadlines: Application deadlines vary, so staying organized and submitting materials on time is crucial.
  • Highlight your achievements: Craft compelling essays and applications that showcase your academic merits, extracurricular involvement, and passion for your chosen field.
  • Seek guidance: Don't hesitate to reach out to academic advisors, financial aid counselors, and scholarship program contacts for support and guidance throughout the application process.


11.6 Union Plus Grants

Union Plus offers a variety of grants and benefits exclusively for members of participating unions including women. These programs can provide valuable financial assistance for eligible individuals and families facing various challenges. Here's a breakdown of some key Union Plus grants:

Hardship Help:

  • Strike Benefits: If you're on strike, you may be eligible for a grant to help cover essential expenses like rent, utilities, and groceries.
  • Layoff or Furlough Assistance: If you've been laid off or furloughed, you may receive a one-time grant to help with immediate financial needs.
  • Mortgage Assistance: Facing the risk of foreclosure? Union Plus may offer temporary mortgage assistance to prevent housing loss.
  • Credit Counseling: Free credit counseling services are available to help manage debt and improve financial health.
  • Bankruptcy Counseling Fee Waiver: Union Plus can waive the filing fee for members facing bankruptcy.

Disaster Relief:

  • Disaster Relief Grants: If you're impacted by a natural disaster, you may receive a $500 grant to help with immediate needs like food, shelter, and clothing.


  • Union Plus Scholarships: Scholarships are available for union members and their children pursuing higher education.
  • Student Loan Repayment Assistance: Union Plus offers programs to help repay student loans, reducing the financial burden for students.

Additional Benefits:

  • Group Life Insurance: Union Plus offers affordable life insurance plans for members.
  • Vision Insurance: Members can access discounted vision insurance plans.
  • Travel Discounts: Enjoy exclusive travel discounts on hotels, car rentals, and more.


Eligibility for Union Plus grants and benefits varies depending on the specific program and your union membership status. It's crucial to contact your union representative or visit the Union Plus website to find out which programs you qualify for and access application materials.

Accessing Union Plus Resources:


11.7 Veterans of Foreign Wars (VFW) Unmet Needs Program

The Veterans of Foreign Wars (VFW) Unmet Needs Program is a valuable resource for active-duty service members (including activated Guard/Reserve members), veterans, and their families facing unexpected financial hardship. Here's a breakdown of the program:

What type of help does the VFW Unmet Needs Program offer?

The program provides one-time grants of up to $1,500 (increased to $2,500 as of December 2023) to assist with essential expenses, including:

  • Housing: Rent or mortgage payments, repairs, utilities
  • Transportation: Vehicle repairs, insurance, public transportation
  • Food: Groceries, emergency meals
  • Medical bills: Patient-responsible portions of necessary or emergency medical care
  • Childcare: Expenses related to childcare needs
  • Other basic necessities: Depending on the situation

Who is eligible for the VFW Unmet Needs Program?

  • Active-duty service members: Including activated Guard/Reserve members
  • Veterans: Honorably discharged veterans of any era
  • Immediate family members: Spouses, children (including stepchildren and adopted children), and dependent parents

What is considered an unexpected financial hardship?

  • Serious illness, injury, or death in the family
  • Job loss or significant reduction in income
  • Natural disasters or other unforeseen emergencies

How to apply for the VFW Unmet Needs Program:

  • Applications can be submitted online through the VFW website: []
  • You will need to provide basic information about yourself, your situation, and your financial needs.
  • Supporting documentation, such as bills, paystubs, and medical records, may be required.

Important things to remember:

  • The VFW Unmet Needs Program receives a high volume of applications, and funding is limited. Not everyone who applies will be approved for a grant.
  • The program prioritizes individuals and families facing immediate and critical needs.
  • Be honest and transparent in your application. Only provide accurate information about your situation and financial needs.


11.8 Community-based Grants

Community-based grants offer valuable financial support for initiatives and individuals working towards positive change within their local communities. These grants come in various forms and address diverse needs, from social justice projects to environmental initiatives, arts programs, and educational opportunities.

To help you navigate the world of community-based grants, let's explore some key aspects:

Types of Community-Based Grants:

  • Foundation Grants: Many local and national foundations award grants to support specific causes or initiatives aligned with their mission. You can find these opportunities through foundation websites, grant databases, and community resource centers.
  • Government Grants: Federal, state, and local government agencies offer grants for various purposes, including community development, education, healthcare, and environmental protection. Explore government grant websites and consult with relevant agencies for more details.
  • Corporate Grants: Businesses often invest in communities through philanthropic grants. Research local companies and national corporations with a strong community focus to discover potential funding opportunities.
  • Crowdfunding: Online platforms like Kickstarter and GoFundMe enable individuals and communities to raise funds for specific projects and initiatives. This democratizes fundraising and allows direct community involvement.

Finding Community-Based Grants:

  • Grant Databases: Utilize comprehensive databases like, Foundation Center, and Candid to search for grants based on location, focus area, and eligibility criteria.
  • Local Resources: Visit community centers, libraries, and government agencies to access information about local grant opportunities. Networking with community organizations can also yield valuable leads.
  • Subscription Services: Some services aggregate and filter grant opportunities based on your specific interests and needs. Consider subscribing to these services for advanced grant searching.

Eligibility for Community-Based Grants:

  • Eligibility requirements vary widely depending on the specific grant. Common considerations include geographic location, project type, target population, organizational status, and financial need.
  • Carefully review grant guidelines and eligibility criteria before applying. Ensure your project or initiative aligns with the funder's priorities and meets all the necessary requirements.

Tips for Getting Community-Based Grants:

  • Develop a strong proposal: Clearly articulate your project's goals, activities, budget, and impact. Highlight the community need your initiative addresses and demonstrate its feasibility and sustainability.
  • Show community support: Include letters of support from community members, partner organizations, and beneficiaries. This demonstrates your project's local backing and potential impact.
  • Meet deadlines: Submit your application well in advance of the deadline. Allow time for revisions and clarifications if requested by the funder.
  • Be persistent: Grant competition can be fierce. Don't be discouraged if your first application is not successful. Revise your proposal, research other opportunities, and continue working towards your community goals.

Examples of Community-Based Grants:

  • Neighborhood revitalization projects: Grants for improving parks, building community centers, or supporting local businesses.
  • Youth education and development programs: Grants for after-school programs, STEM initiatives, or arts education for underserved communities.
  • Environmental protection projects: Grants for conservation efforts, clean energy initiatives, or community gardens.
  • Social justice and advocacy initiatives: Grants for promoting racial equity, supporting immigrant communities, or addressing housing insecurity.

Remember, community-based grants are powerful tools for fostering positive change and empowering local communities. By understanding the available options, diligently researching opportunities, and crafting compelling proposals, you can unlock valuable resources to make a real difference in your community.


12. Other Sources

12.1 United Way

United Way, a renowned organization dedicated to building stronger communities, supports various initiatives aimed at empowering women and addressing the unique challenges they face. While they don't offer specific grants solely for women, their funding often supports programs that directly or indirectly benefit women and girls in various ways. Here are some examples:

1. Economic Empowerment:

  • United Way invests in programs that help women gain financial independence and stability. This can include job training, childcare assistance, microloan programs, and entrepreneurship support initiatives. These programs not only empower women economically but also contribute to their overall well-being and the well-being of their families.

2. Education and Skills Development:

  • United Way supports programs that provide educational opportunities and skill development training for women. This can include access to vocational training, literacy programs, and higher education scholarships. By investing in women's education, United Way helps them reach their full potential and participate meaningfully in the workforce.

3. Health and Wellness:

  • United Way funds programs that address critical health issues affecting women, such as access to healthcare, mental health services, and reproductive health education. These programs promote the overall health and well-being of women and girls, enabling them to live healthy and fulfilling lives.

4. Safe and Supportive Environments:

  • United Way supports programs that combat violence against women and girls, provide safe housing and shelters, and offer crisis intervention services. These programs create safe and supportive environments where women and girls can thrive and reach their full potential.

5. Advocacy and Policy Change:

  • United Way advocates for policies and legislation that promote gender equality and address the specific needs of women and girls. This includes advocating for equal pay, affordable childcare, and protection from violence and discrimination. By advocating for policy change, United Way works to create a more equitable and just society for all.

It's important to note that the specific programs and initiatives supported by United Way vary depending on the local community and its needs. However, their commitment to empowering women and girls remains a constant focus, making them a valuable resource for communities seeking to advance gender equality.

Here are some ways to find out about United Way programs supporting women in your local community:

  • Visit the United Way website:
  • Contact your local United Way chapter.
  • Attend a United Way community meeting or event.


12.2 Salvation Army

The Salvation Army offers a variety of programs and services to help women in need, both in times of crisis and for ongoing support. Here are some of the key areas where they can provide assistance:

1. Emergency Shelter and Housing:

  • The Salvation Army operates a network of shelters across the country that provide safe and temporary housing for women and children experiencing homelessness. These shelters offer basic necessities like meals, beds, showers, and clothing, along with emotional support and case management services to help women find permanent housing solutions.

2. Domestic Violence Support:

  • The Salvation Army provides safe havens and support services for women and children fleeing domestic violence. This includes confidential shelters, crisis intervention, counseling, legal advocacy, and referrals to additional resources. They also offer prevention education programs to raise awareness about domestic violence and empower women to stay safe.

3. Addiction Recovery:

  • The Salvation Army recognizes the unique challenges faced by women struggling with addiction and offers specialized recovery programs tailored to their needs. These programs typically include therapy, support groups, life skills training, and spiritual guidance to help women achieve long-term sobriety and reintegrate into their communities.

4. Job Training and Employment Services:

  • The Salvation Army offers various job training and employment programs to help women develop the skills and experience they need to secure meaningful work. This can include resume writing workshops, interview coaching, job placement assistance, and vocational training programs in various fields.

5. Food Assistance and Meals:

  • The Salvation Army operates food banks and soup kitchens across the country that provide meals and groceries to individuals and families facing food insecurity. These programs offer vital nutritional support to women and children, particularly during times of financial hardship.

6. Additional Support Services:

  • The Salvation Army also offers a range of other support services for women, such as childcare assistance, transportation assistance, mental health counseling, and spiritual guidance. These services can help women address various challenges and improve their overall well-being.

It's important to note that the specific programs and services offered by the Salvation Army may vary depending on the location. You can find more information about the services available in your community by visiting the Salvation Army website or contacting your local Salvation Army center.


12.3 Credit Unions

Credit unions can be valuable resources for accessing grant opportunities and financial assistance in other ways. Here are some possibilities to explore:

1. Community Development Credit Unions (CDCUs):

  • CDCUs are mission-driven credit unions operating in underserved communities. They often partner with local organizations and foundations to offer specific grants or scholarships for residents struggling financially. For example, they might offer grants for education, small business development, housing assistance, or community improvement projects.
  • Check if your credit union is a CDCU or has partnerships with CDUS in your area. They can provide information about available grants and connect you with the right resources.

2. Credit Union Scholarships and Awards:

  • Some credit unions offer their own scholarships or awards for members, particularly for children of members or members pursuing specific fields of study. Check your credit union's website or inquire with their member services department to see if they offer any such programs.

3. Grant Research and Assistance:

  • Credit unions often have resources and personnel dedicated to helping members find financial assistance. They can assist with researching grants and scholarships relevant to your needs, understanding eligibility requirements, and completing application procedures.

4. Financial Literacy and Budgeting Tools:

  • Credit unions understand the importance of financial literacy and often offer free workshops, tools, and resources to help members manage their finances. These resources can help you make the most of your income and potentially save enough to pursue your goals without needing grant assistance.

5. Loan options:

  • While not a grant, depending on your specific situation, a credit union loan might be a viable option to bridge a financial gap or support certain endeavors. They often offer competitive interest rates and flexible repayment terms compared to other lenders.


Financial Help for Single Moms and Divorced Women by State:



Warning:  This post is neither financial, health, legal, or personal advice nor a substitute for the advice offered by a professional. These are serious matters, and the help of a professional is recommended as it can impact your future.

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