Many Americans don’t realize they’re eligible for tax credits, grants, or direct payments that never need to be paid back
There’s money waiting for you—and you might not even know it. Every year, millions of people in the United States miss out on financial assistance from federal and state programs simply because they don’t know where to look. The good news? These benefits are not loans. Whether we’re talking about the Earned Income Tax Credit (EITC), the Child Tax Credit (CTC), or direct help to cover rent or utility bills, these are resources designed to help you—not burden you with more debt.
And yes, you can receive them even if you’re already working or studying. The key is knowing which programs apply to your situation and taking a few minutes to claim what’s yours. Below is a guide to some of the most overlooked—but powerful—forms of financial support available right now.
Unclaimed funds: a forgotten fortune
Across the country, billions of dollars in tax refunds, insurance checks, and utility deposits go unclaimed each year. That money could be yours. Just visit your state’s unclaimed property portal, enter your personal information, and you might find a check waiting with your name on it.
Tax credits and direct support for families
From single parents to households caring for elderly relatives or people with disabilities, tax credits like the CTC and EITC offer substantial relief. In some cases, these credits translate into direct payments—often adding hundreds or even thousands of dollars to your refund.
Pell Grants: money for your education
If you’re pursuing a degree and meet income requirements, you could receive several thousand dollars per year through the Federal Pell Grant program. This is money for tuition and college expenses that you never have to repay.
Struggling with your energy bills?
The Low-Income Home Energy Assistance Program (LIHEAP) helps reduce the cost of heating and cooling. Especially during extreme weather months, this kind of support can be a lifeline for families trying to make ends meet.
Help with housing—rent or own
Section 8 housing vouchers are one of the best-known forms of rental support, but there’s more. Many states run local housing assistance programs to help residents afford rent or even buy a home. And for those facing eviction, emergency rental assistance programs can provide the cash needed to avoid losing a roof over your head.
Medical care at little or no cost
Healthcare doesn’t have to be out of reach. Medicaid and CHIP offer medical coverage for families with low or moderate incomes—covering everything from doctor’s visits to emergency care. If you’re uninsured, it’s worth checking your eligibility.
Monthly food assistance for use at supermarkets
The SNAP program, also known as food stamps, gives families a monthly allowance to buy fresh groceries. These benefits can be used in most supermarkets and help ensure consistent access to nutritious food.
Don’t let the help pass you by
Whether you’re raising kids, going to school, paying rent, or just trying to stay afloat, there are programs made to support you. And they’re just a click away. No repayment. No strings. Just a hand when you need it most.