# data[].attributes.body
$50,000 #MASSdreams grant

FOR FIRST TIME HOMEBUYERS!!

is offering a $50,000 grant for buyers RESIDING in the following towns. There is no repayment!! The money can be used for the down payment and closing cost.  They can use the money in any town in Massachusetts

#Attleboro, #Barnstable, #Boston, #Brockton, #Chelsea, #Chicopee, #Everett, #FallRiver, #Fitchburg, #Framingham, #Haverhill, #Holyoke, #Lawrence, #Leominster, #Lowell, #Lynn, #Malden, #Methuen, #NewBedford, #Peabody, #Pittsfield, #Quincy, #Randolph, #Revere, #Salem, #Springfield, #Taunton, #Westfield, #Worcester

# data[].attributes.body
The Network/La Red is a survivor-led, social justice organization that works to end partner abuse in lesbian, gay, bisexual, transgender, BDSM, polyamorous, and queer communities.

# data[].attributes.attachment_link.readable_text
WELCOME TO THE NETWORK/ LA RED!

The Network/La Red is a survivor-led, social justice organization that works to end partner abuse in lesbian, gay, bisexual, transgender, BDSM, polyamorous, and queer communities. Rooted in anti-oppression principles, our work aims to create a world where all people are free from oppression. We strengthen our communities through organizing, education, and the provision of support services.

Join our staff!

# data[].attributes.attachment_link.description
The Network/La Red is a survivor-led, social justice organization that works to end partner abuse in lesbian, gay, bisexual, transgender, BDSM, polyamorous, and queer communities. Rooted in anti-oppression principles, our work aims to create a world where all people are free from oppression. We strengthen our communities through organizing, education, and the provision of support services.

# data[].attributes.body
Help with finding an emergency shelter, filing a restraining order, monetary support

# data[].attributes.attachment_link.description
The Live for Liv Foundation is a charitable foundation that brings awareness to domestic violence and bullying. Jody Marchand is a survivor of domestic violence.

# data[].attributes.headline
Mortgage assistance for Sudbury residents

# data[].attributes.subject
Mortgage assistance for Sudbury residents

# data[].attributes.attachment_link.title
Mortgage Assistance Program (MAP) » Sudbury Housing Trust

# data[].attributes.attachment_link.description
MORTGAGE ASSISTANCE PROGRAM, up to $3,000 of assistance, in monthly payments. More →

# data[].attributes.body
boston.craigslist.org has as a free stuff listed under the for sale section.

# data[].attributes.body
Many of the rules and qualifiers do NOT apply during the pandemic.

# data[].attributes.attachment_link.readable_text
For most up-to-date information posted by MLRI on DTA & COVID-19, go to this google doc

Below are resources for community organizations and individuals.

Video on SNAP during COVID-19

Click here to view a 1 minutes and 25 second long video on DTA benefits during COVID-19 - including information about how to apply! Click here to view the same video in Spanish.

Produced by MLRI and the Massachusetts Websites Project, with the support of the Massachusetts Access to Justice Commission.

Extra Emergency SNAP Benefits - "Emergency Allotments"

These extra SNAP benefits started in March 2020 and are issued the second business day of the following month. From March 2020 to March 2021, these supplements were only issued to households not already getting the maximum grant. The Biden Administration recognized that this policy did not help the lowest income households who struggle to put food on the table for a full month with a SNAP benefit amount that is insufficient to meet food costs. As a result, starting April 2021 (the May 4 supplemental payment), all households are issued at least $95 in extra emergency SNAP benefits. These extra emergency SNAP benefits will continue each month as long as there is both a federal and state public health emergency.

To learn more, see this flier for community partners.

DTA Local Offices: Status

DTA local offices are open for limited in person services. See Mass.gov/DTA/covid-19 for more information. Please contact MLRI - vnegus@mlri.org - if you or a client need help from DTA that was not provided in person (for example, if you needed an EBT card and DTA said you could only get a card by mail).

To apply for SNAP:

All applications for SNAP must be done online, by phone, in person, or by faxing or mailing in paper application:

To apply online, including from your smartphone, go to DTAConnect.com

To apply by phone, call DTA at 877-382-2363. Press "7" after the introductory message to reach a worker directly. State you want to apply by phone.

To get information about paper applications or local office locations, visit Mass.gov/SNAP

To apply in person at a local DTA office, tell the staff you want to apply with a paper application in person, or ask for help applying by phone or on DTAConnect.com. Do not leave the office without applying - the date you apply is the date benefits go back to in most cases.

EBT cards

To get a card:

Go to a DTA office

Use DTA Connect or DTAConnect.com

Follow the prompts for reporting a lost/stolen EBT card on the DTA Assistance Line at 1 877 382 2363 (once entered SSN and year of birth),

Speak with a DTA worker to request one by calling the DTA Assistance Line, or cash case manager if getting TAFDC/EAEDC, or

Call EBT Customer Service at (800) 997-2555

EBT cards mailed out take about ~3-10 days to arrive. DTA can overnight mail EBT cards in "dire need" circumstances, and in very limited circumstances hand deliver a card in the community. If a client does not have a mailing address or for an urgent reason needs access to their benefits, contact a local office manager or the DTA Ombuds Office. Clients can track the EBT card in the mail via DTA Connect.

Contact MLRI - vnegus@mlri.org - if you ask for an EBT card in person and are not given one. Click here for fliers on English and Spanish on how to get an EBT card.

To apply for cash assistance (TAFDC or EAEDC):

Cash assistance applications can be filed online at DTAConnect.com (click the blue "apply" banner). A case manager will need to speak with the client after the application is filed.

TAFDC or EAEDC applicants can also call their local DTA office by phone to start an application by phone for cash assistance, or go in person to a local DTA office. Here is a link to DTA office phone numbers and addresses.

FAQ: SNAP for households who lost unemployment benefits in September 2021

Please see this link to download fliers with more information in English, Spanish, Vietnamese, Portuguese, and Chinese.

FAQ: Harsh SNAP time limit & work rules suspended starting April 2020

Please see this flier for more information, also posted in Spanish.

Pandemic EBT benefits for families with children

In the 2021-2022 school year, students at Community Eligibility Provision schools or who qualify for free/reduced price meals will get P-EBT on May 25th if they missed school due to COVID-related reasons. Visit MAP-EBT.org to learn more. To view a list of CEP schools and districts for school year 2021-2022, please click here. If you have questions about P-EBT that are not addressed by MAp-EBT.org, you can fill out this MLRI form.

Other DTA Information:

For clients with disabilities who need access to additional supports, please contact the appropriate local office client assistance coordinator.

For additional information about emergency food resources, such as food pantries or student meal sites, please call Project Bread's FoodSource Hotline at (800) 645-8333.

For recent updates sent to the SNAP Coalition (some information may be out of date), please see: Masslegalservices.org/blog/snap

# data[].attributes.attachment_link.title
DTA SNAP and Cash Benefits during COVID-19

# data[].attributes.attachment_link.description
Below are resources for community organizations and individuals. Click here to view a 1 minutes and 25 second long video on DTA benefits during COVID-19 - including information about how to apply! Click here to view the same video in Spanish. Produced by MLRI and the Massachusetts Websites Project, with the support of the Massachusetts Access to Justice Commission.

# data[].attributes.headline
Massachusetts Rental Voucher Program (MRVP)

# data[].attributes.subject
Massachusetts Rental Voucher Program (MRVP)

# data[].attributes.body
The Massachusetts Rental Voucher Program (MRVP), provides a permanent improvement in the lives of low-income families and individuals by offering rental subsidies to those eligible for the program.

# data[].attributes.attachment_link.readable_text
The Massachusetts Rental Voucher Program (MRVP), provides a permanent improvement in the lives of low-income families and individuals by offering both tenant- and project-based rental subsidies. The tenant-based voucher, which is known as Mobile, is assigned to the Participant and is valid for any housing unit that meets the standards of the state sanitary code. Project Based vouchers are assigned to a specific housing unit or development. The owner rents these units to a program eligible tenant, and Project Based tenants who move forfeit the subsidy. In both cases, a regional non-profit housing agency or a local housing authority administers the program locally. There are currently 8 regional non-profit housing agencies and 112 local housing authorities that administer the MRVP throughout the Commonwealth to approximately 5,100 households under lease as of January, 2013 (2,100 Mobile, 3,000 Project Based). Through the assistance of this program, thousands of Massachusetts' families and individuals benefit from the long-term stabilization of their often uncertain housing and financial situation.

DHCD's Division of Public Housing and Rental Assistance, which administers this program, has the responsibility for regulatory and administrative oversight of all state public housing programs which address the needs of low-income families, the elderly and persons with disabilities.

For further information:
Please contact the Bureau of Rental Assistance at (617) 573-1150.
How it works:
For the Mobile component (tenant based program), the state subsidy or voucher value is a set amount. This amount is determined by several factors: the tenant's income, household size and geography. The participant pays the difference between the value of the voucher and what the landlord charges for rent. Much of the program's recent growth has been in vouchers targeted to homeless families in motels or shelters; however, when other existing voucher holders leave the program, their vouchers are offered to eligible applicants on local waiting lists which can be quite lengthy, or closed, due to the great demand.

For the Project Based component, a participant pays either 35% or 40% of their adjusted gross income, depending upon whether or not heat is included in the utilities. While waiting lists for the Project Based component are lengthy, some local housing agencies are still accepting applications.

Who is eligible?
An applicant whose household income does not exceed 80% of Area Median Income. The local housing agency will also screen for CORI prior to admitting an applicant to the program.

Application process:
While the waits may be lengthy, persons interested in applying for MRVP should contact the local housing agency in the area in which they wish to reside to check the status of the agency's waiting list, open or closed. Applications may be made where waiting lists are open. Not all agencies administer both the Mobile and Project Based programs. Please use the Service Locator to find the Local Housing Authority Closest to you.
MRVP Application Form - English MRVP Application Form (Haitian Creole) - Aplikasyon pou Pwogram Koupon Lwaye Massachusetts (MRVP) MRVP Application Form (Khmer) - ពាក្យសុំសំរាប់ កម្មវិធីសក្ខីប័ត្រថ្លៃជួលផ្ទះ រដ្ឋម៉ាស្សជូសេត្ដ (MRVP) MRVP Application Form (Portugese) - Formulário para o Massachusetts Rental Voucher Program (MRVP) MRVP Application Form (Russian) - Заявление на Массачусетскую Программу Ваучеров Аренды (MRVP) MRVP Application Form (Spanish) - Solicitud para el Programa de Vales de Alquiler de Massachusetts (MRVP) MRVP Application Form (Vietnamese) - Đơn xin Chương Trình Ưu Đãi Tiền Thuê Massachusetts (MRVP) Housing Agencies with Mobile MRVP Vouchers MRVP Notices 2022 March 2022 Updated Maximum Rents for Boston Metro Area and Franklin County 2021 December 2021 Updated Project Based Maximum Rents for Brockton Area December 2021 Updated Mobile Voucher Maximum Rents for Brockton Area November 2021 Project Based Voucher Rent Increases October 2021 Updated Mobile Voucher Maximum Rents 2020 Updated Mobile Voucher Maximum Rent Updated Mobile Voucher Maximum Rents for Worcester Area 2019 Updated Mobile Voucher Maximum Rents Mobile Voucher Maximum Rents 2017
MRVP Administrative Plan 2017(August)
2014
FY15 Project-Based Voucher Rent Increases

Full Lifting of MRVP Voucher Re-Issuance Freeze
2013
New MRVP Admin Fees
2010 Non-Discrimination in State Rental Assistance Programs

# data[].attributes.attachment_link.title
Massachusetts Rental Voucher Program (MRVP)

# data[].attributes.attachment_link.description
The Massachusetts Rental Voucher Program (MRVP), provides a permanent improvement in the lives of low-income families and individuals by offering both tenant- and project-based rental subsidies. The tenant-based voucher, which is known as Mobile, is assigned to the Participant and is valid for any housing unit that meets the standards of the state sanitary code.

# data[].attributes.headline
National Grid Arrears Management Program (AMP)

# data[].attributes.subject
National Grid Arrears Management Program (AMP)

# data[].attributes.body
The National Grid AMP is a program designed to help customers manage their current energy bills while resolving past due debt. When an AMP monthly payment is made, a portion of your past-due balance will be "forgiven", thus reducing the amount owed to National Grid.

# data[].attributes.body
HomeView aligns with National Industry Standards for pre-purchase homeownership education, and can be used to fulfill the education requirement for most mortgage products. Once you finish and pass the end of course quiz with a score of 80% or higher, you will receive a certificate of completion.

# data[].attributes.attachment_link.description
Fannie Mae is committed to supporting sustainable homeownership and believes that broadening access to quality education is key to empowering the next generation of homeowners. We're dedicated to providing all homebuyers with the tools and information needed to put homeownership within reach. A well-informed homebuyer is a stronger homebuyer.

# data[].attributes.body
The First Time Homebuyer’s Program’s Steps to Homeownership is a two or four-session first-time homebuyer seminar offered each month across northeastern Massachusetts. Graduates of this seminar receive a certificate that makes them eligible to apply for MHFA low-interest loans and down-payment assistance from cities throughout the state including but not limited to: Lowell, Lawrence, Methuen, Haverhill and Salem.

# data[].attributes.attachment_link.readable_text
Pam Houlares is a native Bostonian born into a large Greek family. She grew up in a large extended family with aunts, uncles and cousins in the Boston area. Both sisters, including her twin, experienced a strong bond with their Greek culture and identity. After graduation from UMass Amherst, Pam's older sister became a nun in Greece and has lived there for about 50 years. Her twin sister, Natalie, is a real estate broker with Sotheby's in Boston.

In Pam's 37 years in education, she began as a Spanish teacher, Curriculum Coordinator, and ultimately, a Principal of Jonas Clarke Middle School in Lexington, MA. After retirement, Pam worked in two colleges as an Adjunct Professor instructing courses in administration and continues as a Spanish tutor in her home -town.

During 2016 - 2020, Pam served as the President of the Hellenic Women's Benevolent Association, a non-profit that oversees the Hellenic Nursing Home in Canton, MA. In fact, Pam's mother, Jennie, was one of the founders of the nursing home in 1973. Pam continues to serve on the Board of Directors at the Hellenic Home.

Pam and Jim have four grandchildren, James, Conor, Catherine and Theodore, who live nearby, Aside from some babysitting, Pam and Jim feel very fortunate that they are very close and celebrate holidays and family events together.

Pam's husband, James, has devoted his entire career to early childhood education. Jim displays that same enthusiasm and love of children to this day, and is adored by his children and grandchildren, alike. Both Pam and Jim are pleased that to continue to be a part of the CTI family and have contributed greatly to the Early Education programs at Community Teamwork.

James Houlares was born and raised in Auburn, Maine, He has a twin sister and also married a twin who has a twin sister as well. James has an older and younger brother as well. James and Pam have been married since 1974 and lived in Wellesley and now South Natick. They have two children, Nathaniel and Elena, named after my father-in-law and mother. Nathaniel and Christina have two children, Catherine (2.5 years old) and Theodore (7 months). Elena and John have two children, James (9) and Conor (7).

In1962, Jim arrived in Boston to attend the Hellenic College and Holy Cross School of Theology to earn a Bachelors and an advanced degree. His studies continued at the University of MA in Amherst where he earned his Masters. Jim's first job with Head Start was as a teacher in Lewiston, Maine 1969 - 1971. After earning his Masters, in 1973, he was hired as an Education Coordinator at the Head Start program at Community Teamwork. At that time, CTI served 120 children in six classrooms. When Jim retired in 2005, the Agency served more than 516 Head Start and Early Head Start children.

During Jim's 32 years at Community Teamwork, he was involved with many challenging and exciting initiatives including:

MA Education Coordinators Association
CDA Advisor and Instructor
State Supplemental Funding for Head Start Programs
Planned and designed the James A Houlares Early Learning Center in Lowell
Chaired the State Head Start Association
Hiring the First Executive Director of the MA Head Start Association
Chaired the New England Head Start Association

Jim presently serves on the following boards: New England Head Start (NEHSA), National Head Start (NHSA), and the Thom Child and Family Services.

Jim is forever grateful to Community Teamwork Inc. for the opportunities it offered to him in the field of early learning and care for children and families, and Community Teamwork is forever grateful to Jim for his contributions to the field of Early Learning and his additional contributions to Community Teamwork over the past few years.

# data[].attributes.attachment_link.title
First Time Home Buyers - Community Teamwork

# data[].attributes.attachment_link.description
Pam Houlares is a native Bostonian born into a large Greek family. She grew up in a large extended family with aunts, uncles and cousins in the Boston area. Both sisters, including her twin, experienced a strong bond with their Greek culture and identity.

# data[].attributes.body
The Time Trade Circle is a local bank - but we keep track of time. When you spend an hour of your time performing a service for somebody else, we credit you with one Timebank Hour. You can cash in that Timebank Hour on a service provided by another member of our bank. Whether you give a music lesson, take care of someone's pet, volunteer at a community center, or help someone get to a doctor's appointment, one actual hour equals one Timebank Hour.

# data[].attributes.body
Project Bread connects people and communities in MA to reliable sources of food while advocating for policies that make food more accessible - so that no one goes hungry. 617-723-5000

# data[].attributes.attachment_link.description
Learn if you are eligible for SNAP (financial assistance for groceries) and help you apply Find free meals for kids through Summer Eats or School Meals SNAP recipients can learn how and where to use their HIP benefits to purchase farm fresh produce Find hot meal programs and food pantries and more...

# data[].attributes.body
What do you want to do for a living?

# data[].attributes.attachment_link.description
Streamlined career search and discovery for students and job seekers. Includes a built-in interest assessment and access to training, education, and job opportunities. Straightforward, easy-to-read one-page career reports help guide individuals' next move on their road to a satisfying career.

# data[].attributes.headline
Section 8 Housing Choice Voucher Program (HCVP) Centralized Waiting List

# data[].attributes.subject
Section 8 Housing Choice Voucher Program (HCVP) Centralized Waiting List

# data[].attributes.body
Centralized Waiting List - This HCVP increases affordable housing choices for very low income households by helping families pay a portion of their rent in privately owned housing. This is a mobile voucher.

# data[].attributes.attachment_link.readable_text
The housing choice voucher program is the federal government's major program for assisting very low-income families, the elderly, and the disabled to afford decent, safe, and sanitary housing in the private market. Since housing assistance is provided on behalf of the family or individual, participants are able to find their own housing, including single-family homes, townhouses and apartments.

The Massachusetts Section 8 Centralized Waiting List is a partnership of 102 Public Housing Authorities (PHAs) within the Commonwealth of Massachusetts which streamlines their application process for a Section 8 Voucher. The centralized waiting list opened on January 6, 2003 and will remain open and accept applications indefinitely.

Applicants submit one application to the centralized waiting list system, operated by AffordableHousing.com , and their application is automatically added to the waiting list for all 102 participating PHAs. Each participating PHA selects participants to their Section 8 Voucher program off of the centralized waiting list in accordance with their local policy.

Starting on July 1, 2019 the Massachusetts Centralized Section 8 Waiting List will now be operated through the new AffordableHousing.com waiting list system.

# data[].attributes.attachment_link.title
Section 8 Centralized Waiting List Massachusetts

# data[].attributes.attachment_link.description
The housing choice voucher program is the federal government's major program for assisting very low-income families, the elderly, and the disabled to afford decent, safe, and sanitary housing in the private market. Since housing assistance is provided on behalf of the family or individual, participants are able to find their own housing, including single-family homes, townhouses and apartments.

# data[].attributes.attachment_link.readable_text
Find free or reduced-cost resources like food, housing, financial assistance, health care, and more.
Help starts here.

34,622,305 people use it (and growing daily)

If you or someone you know is in crisis, call or text 988 to reach the Suicide and Crisis Lifeline, chat with them online via their website, or text HOME to 741741 (multiple languages available). If this is an emergency, call 911.

# data[].attributes.attachment_link.title
findhelp.org by findhelp - Search and Connect to Social Care

# data[].attributes.attachment_link.description
Search and connect to support. Find financial assistance, food pantries, medical care, and other free or reduced-cost help in your area, anywhere in the US.

# data[].attributes.headline
Section 8 Housing Choice Voucher Program (HCVP) Statewide Waiting List

# data[].attributes.subject
Section 8 Housing Choice Voucher Program (HCVP) Statewide Waiting List

# data[].attributes.body
Statewide Waiting List - This HCVP increases affordable housing choices for very low income households by helping families pay a portion of their rent in privately owned housing. This is a mobile voucher.

# data[].attributes.attachment_link.title
Section 8 Housing Choice Voucher Program (HCVP)

# data[].attributes.attachment_link.description
The Section 8 Housing Choice Voucher Program (HCVP) increases affordable housing choices for very low-income households by helping families pay a portion of their rent in privately owned housing.

# data[].attributes.headline
Employment Opportunities with North Shore Community Health!

# data[].attributes.subject
Employment Opportunities with North Shore Community Health!

# data[].attributes.attachment_link.readable_text
Our employment opportunities are continually changing and include both administrative and clinical positions. We are always interested in meeting qualified candidates who are eager to join our mission in providing excellent, comprehensive, accessible, and affordable primary care. We offer competitive salaries and an excellent benefits package. Please check back frequently for new opportunities. Any available openings will be posted below.

To apply for a posted position, please submit your resume and cover letter via email to jobs@nschi.org. Please note the position in which you are applying for in the subject line of the email.

NSCH is an equal opportunity employer. For more information, read through our EEO Policy Dec. 2021.

# data[].attributes.attachment_link.title
Employment Opportunities | Jobs at North Shore Community Health | Apply Now

# data[].attributes.attachment_link.description
Our employment opportunities are continually changing and include both administrative and clinical positions. We are always interested in meeting qualified candidates who are eager to join our mission in providing excellent, comprehensive, accessible, and affordable primary care. We offer competitive salaries and an excellent benefits package. Please check back frequently for new opportunities.

# data[].attributes.headline
Good & Cheap Cook Book by Leanne Brown- PDF

# data[].attributes.subject
Good & Cheap Cook Book by Leanne Brown- PDF

# data[].attributes.body
Good and Cheap is a gorgeous cookbook for people with limited income, particularly on a $4/day food stamps budget.

# data[].attributes.headline
CHAMP (Common Housing Application for MA Programs)

# data[].attributes.subject
CHAMP (Common Housing Application for MA Programs)

# data[].attributes.body
Apply for both state-aided public housing, which is site-based & the Alternative Housing Voucher Program (AHVP), which is a mobile voucher. You will also be able to find any existing applications you may have.

# data[].attributes.attachment_link.readable_text
Welcome to CHAMP (Common Housing Application for Massachusetts Programs). Using this site, you will be able to apply for state-aided public housing and the Alternative Housing Voucher Program (AHVP), and you will also be able to find any existing applications you may have. Moving forward, as your address changes or other information on your application changes, you will only need to update information at this site. All of your changes will be recorded at the housing authorities where you have applied. If you have questions, please ask staff at your local housing authority to help you.

If you are also interested in applying for other voucher programs or federal public housing, please contact your local housing authority. Those programs are not yet managed through this site.

* Denotes required field

# data[].attributes.attachment_link.description
Welcome to CHAMP (Common Housing Application for Massachusetts Programs). Using this site, you will be able to apply for state-aided public housing and the Alternative Housing Voucher Program (AHVP), and you will also be able to find any existing applications you may have.

# data[].attributes.headline
Financial Education for Families & Children -  Women's Money Matters Resource Board 

# data[].attributes.subject
Financial Education for Families & Children -  Women's Money Matters Resource Board 

# data[].attributes.body
Resources for the family and children ages PreK-young adult

# data[].attributes.body
Find affordable housing, HUD (Department of Housing & Urban Development) offices, local housing authorities and homeless resources

# data[].attributes.body
Discounted Prime membership for EBT and select government assistance recipients

# data[].attributes.attachment_link.readable_text
You can sign up for Prime Access (a discounted Amazon Prime membership) if you are an EBT cardholder or qualify for select government assistance or discounts. You can enjoy free delivery, deals, and savings exclusively for Prime members and many more benefits. To be eligible for the deal of discounted Amazon Prime membership, please provide your eligibility verification for any of the following: Supplemental Security Income (this is different from Social Security and SSDI), SNAP, Medicaid, Direct Express Debit Card (DE), Temporary Assistance for Needy Families (TANF), National School Lunch Program (NSLP), Low Income Home Energy Assistance Program (LIHEAP), Women, Infants, and Children program (WIC) or Tribal assistance eligibility letter (TTANF). Want to know how to upload eligibility proof? Select the button below and follow the on-screen instructions to verify your EBT card or other proof of qualifying government assistance.

# data[].attributes.attachment_link.title
Discounted Amazon Prime for qualifying EBT and government assistance recipients

# data[].attributes.attachment_link.description
Save 50% on Amazon Prime for qualifying EBT and government assistance recipients. Free delivery, plus movies, shows, eBooks, ad-free songs, gaming, and more. Try Prime for free.

# data[].attributes.headline
Medical Bills/Collections/Credit Reporting - Information & links

# data[].attributes.subject
Medical Bills/Collections/Credit Reporting - Information & links

# data[].attributes.body
Know your rights and protections when it comes to medical bills and collections

# data[].attributes.attachment_link.readable_text
Medical billing and collections can hurt people when they are already struggling with a health crisis. If this sounds like you or a loved one, help is available. We are on your side to make sure you are treated fairly. Here are some steps you can take.

Check your bills for accuracy

When it comes to medical bills, you may find yourself caught between your medical providers and your insurance company in a confusing and unclear space. It can feel like full-time detective work to understand the costs for different procedures and what is and is not covered by insurance. The problem can be compounded if you received medical care from multiple providers.

Still, there are some things you can do to try to make sure that your bill is accurate, and if debt collectors contact you, that they're not attempting to collect incorrect bills or violating your rights.

Look at your medical bills closely to make sure the items on it are accurate and you received the treatments listed

Make sure the bill is yours and shows your correct name, insurance information, and billing address

Ask your provider for a plain language explanation for items on medical bills that are unclear to you

Ask debt collectors to verify the debt and provide you with information about the collector and the bill that's being collected

Protections under the No Surprises Act

For treatments you received starting January 1, 2022, you may have protections through the No Surprises Act. For example, you should not receive unexpected bills for emergency services received from a health care provider or facility that you didn't know was out-of-network until you were billed.

If you don't have health insurance or if you pay for care without using your health insurance, your provider must give you a "good faith" estimate of how much your care will cost, before you get care. Afterward, if the billed amount is $400 or more above the estimate, you may be able to dispute the charges through the patient-provider dispute resolution process .

Financial assistance options

If you're not able to afford the bill, talk to the medical care provider. Nonprofit hospitals are required by law to offer financial assistance programs, and many other providers are willing to work out payment arrangements. Contact your state or local social services to see if more help is available.

Know the limits on debt collectors contacting you

Debt collectors can contact you only about valid debts that you owe. They can't contact you about debt that isn't yours or that you don't owe. You have the right to ask a debt collector to verify that you owe the debt and that it is yours.

If the medical bill is yours, it is accurate, and you owe the money, then debt collectors can contact you to try to collect it. They may sue you to recover the money-and if they win the lawsuit, they could garnish your wages or place a lien on your home. However, they must comply with the laws that apply to debt collection, like avoiding harassing or abusive calls, and following requirements when they report the debt to consumer reporting companies. They can't call you around the clock, and you have the right to tell them to stop contacting you.

If you are concerned that a debt collector's practices violate your rights, you can take action to enforce your rights.
See more about your debt collection rights and protections
Push back against coercive credit reporting

Debt collectors are not permitted to report a medical bill to the credit reporting companies without trying to collect the debt from you first. Debt collectors may be hoping that you will simply pay the bill without disputing it. Instead, you have the right to dispute the information.
See how to dispute an error on your credit report
Avoid scammers

Don't pay a person or a service who promises to keep medical bills off your credit report or to protect you from unexpected out-of-network medical costs. Steer clear of people who want to charge you an upfront fee for resolving your debt and credit situation. Reputable credit counselors are clear about their services and fees and avoid pressuring you.

Submit a complaint

If you have a question about the No Surprises Act or believe the law isn't being followed, you can contact the Centers for Medicare & Medicaid Services No Surprises Help Desk at (800) 985-3059 from 8 a.m. to 8 p.m. ET, seven days a week, to submit a question or a complaint. You can also submit a complaint online to the Centers for Medicare & Medicaid Services .

For issues with a consumer financial product or service, including medical debt collections and credit reporting, you can submit a complaint to the CFPB.

What we are doing about medical debt

We have made the issues surrounding medical billing and collections a focus of our work, dating back to our research report in 2014 . Our research and the report showed that medical bills on credit reports are less predictive of future repayment of credit than traditional credit obligations. Medical bills placed on credit reports can result in reduced access to credit, increased risk of bankruptcy, avoidance of medical care, and difficulty securing employment, even when the bill itself is inaccurate or mistaken.

Addressing concerns about medical billing and collections is a particular focus of ours as the country emerges from the COVID-19 pandemic.

In January, we released a bulletin reminding debt collectors and credit reporting companies of their legal obligations under the Fair Debt Collection Practices Act and Fair Credit Reporting Act for bills that are subject to the No Surprises Act, which protects consumers from certain unexpected medical bills.

In March, we published a report on medical debt in the United States that found consumer credit records contain a total of $88 billion in reported medical bills (as of June 2021). Medical bills are the most common collections item on people's credit reports and show up on 43 million credit reports. About one in five households reports that they have unpaid medical bills. What's more, medical billing, collections, and credit reporting are complex, confusing, and commonly have errors. Patients and their families often struggle to correct these errors.

Shortly following the issuance of the report, Equifax, Experian, and TransUnion issued a joint statement to announce they were changing how medical bills would be reported on credit reports. Beginning July 1, 2022, paid medical bills will no longer be included on credit reports issued by those three companies. Unpaid bills will be reported only if they have remained unpaid for at least 12 months. Additionally, the companies announced that starting in July 2023, they will not include information furnished to them for medical bills in collection for amounts of $500 or less.

We are continuing to analyze the impact of this announcement.

# data[].attributes.attachment_link.title
Know your rights and protections when it comes to medical bills and collections | Consumer Financial Protection Bureau

# data[].attributes.attachment_link.description
Medical billing and collections can hurt people when they are already struggling with a health crisis. If this sounds like you or a loved one, help is available. We are on your side to make sure you are treated fairly. Here are some steps you can take.

# data[].attributes.body
Despite the name, this organization is not just for autistic individuals. It is for anyone with a developmental disability. AHP enables MA residents with developmental disabilities & their parents to find or create sustainable, supported, self-directed housing that meets their needs and contributes to their quality of life.

# data[].attributes.attachment_link.description
Autism Housing Pathways works to educate families in Massachusetts about housing options for adults with developmental disabilities.

# data[].attributes.body
This program is free to Cape Ann residents (Gloucester, Rockport, Manchester, Essex, & Ipswich)

# data[].attributes.attachment_link.readable_text
Job training in promising career paths

Good jobs that pay a living wage are hard to come by, especially if you lack specialized skills. At Action Inc., our job training programs can provide you with intensive training for careers in trades like HVAC and Carpentry, as well as basic job readiness and life skills training. We also offer access to additional online job trainings based on your interests. Our goal is to create career opportunities for you within our community-and provide you with a fresh start and better way of life.

At Action Inc., we continuously research the job market and local employer needs to create new training programs for the Cape Ann community. Our training programs enable you to gain skills, access better job opportunities, and achieve a high standard of living.

Trades Gateway Program

Action Inc.'s new Trades Gateway Program is designed to prepare you for a career in the trades. This program will connect you with the training you need to become an Electrician, Plumber, HVAC Technician, and more. Students will also have access to career services such as resume writing and interviewing skills.

Open to residents of Gloucester, Rockport, Manchester, Essex, & Ipswich.

Examples of available trainings include:

HVAC

Marine Technician

Hoisting

Carpentry

Plumbing

Oil/Gas Heating

Welding

Wastewater Treatment

Automotive Tech

Electrical

Machinery

Construction Supervising

Commercial Driver's License (CDL) Training

Times and locations of these trainings vary based on the specific field of study. This program is free to Cape Ann residents (Gloucester, Rockport, Manchester, Essex, & Ipswich) who qualify.

Sign up here for more information or email Jill at training@actioninc.org.

Looking for an apprentice or new employee? Join our Trades Employer Network and we'll notify you when students/graduates are looking for jobs or apprenticeships. Employers in the network can also email us their own job postings, which we'll share with our students and graduates.
Learn More

Career Services

Learn how to stand out in a competitive job market with FREE individualized career coaching sessions. Whether you're new to job searching, or are looking to transition your career after Covid-related layoffs, Action Inc.'s Career Services will be catered to your unique needs.

Career Services include the following:

Resume Best-Practices

Cover Letter Writing

Tips for Successful Interviewing

Job Search Assistance

Career Interest Assessments

Online Job Trainings (based on availability)

Click here to sign up for a Career Services coaching session. These services will be held remotely via Zoom and are open to anyone living on Cape Ann (Gloucester, Rockport, Ipswich, Manchester, and Essex).

Questions? Contact Jill at training@actioninc.org.
Learn More

Nurse Aide Training Program

The Action Inc. Nurse Aide Training Program is an intensive 84-hour course that prepares you to work in healthcare facilities such as hospitals and assisted living centers. The program prepares you to pass the Nurse Aide Competency Evaluation and obtain licensure as a Certified Nurse Aide (CNA). The program also provides support and job readiness services to give you all the skills you'll need to find a meaningful and rewarding career in the healthcare field. The program is offered free to local Cape Ann (Gloucester, Rockport, Manchester, Essex, & Ipswich) residents who qualify.

Currently, there are no nurse trainings being offered. Please check back for updates or email training@actioninc.org for more information.

Frequently asked questions

Do I have to pay anything to attend?

No. This program is offered free to individuals who qualify.

Contact us for more information

# data[].attributes.attachment_link.description
Job training in promising career paths Good jobs that pay a living wage are hard to come by, especially if you lack specialized skills. At Action Inc., our job training programs can provide you with intensive training for careers in trades like HVAC and Carpentry, as well as basic job readiness and life skills training.

# data[].attributes.headline
Xfinity Internet Essentials (Low Cost Internet)

# data[].attributes.subject
Xfinity Internet Essentials (Low Cost Internet)

# data[].attributes.body
Internet service for $9.95 per month

# data[].attributes.attachment_link.title
Apply for Internet Essentials or Internet Essentials Plus from Xfinity

# data[].attributes.attachment_link.description
Learn how to apply for the Internet Essentials programs, including what’s offered, what the qualifications are, and the steps for application.

# data[].attributes.headline
PSLF Waiver Offers Way to Get Closer to Student Loan Forgiveness

# data[].attributes.subject
PSLF Waiver Offers Way to Get Closer to Student Loan Forgiveness

# data[].attributes.body
Now, for a limited time, borrowers may receive credit for past periods of repayment that would otherwise not qualify for PSLF.

# data[].attributes.attachment_caption
Program for single mothers ready to invest in themselves with college. Coaching, helping to succeed in college, childcare to help with classes...

# data[].attributes.attachment_link.description
"The Jeremiah Program helped me understand that I'm not only a mom; I am many other things. I now understand that there's more to me than what I do and that I should value myself first and love myself first to be able to give that to anyone else, including my child."

# data[].attributes.body
@JDCreditUnion is hiring Bank Tellers for Chelmsford and Methuen locations. More info at https://bit.ly/30ZriQu

# data[].attributes.body
MassHealth (which includes two programs: Medicaid & Children's Health Insurance Program (CHIP)) pays for healthcare for certain low and medium income people living in Massachusetts. MassHealth members may be able to get doctor visits, prescription drugs, hospital stays and many other important services.

# data[].attributes.attachment_link.description
In Massachusetts, Medicaid and the Children’s Health Insurance Program (CHIP) are combined into one program called MassHealth. MassHealth members may be able to get doctors visits, prescription drugs, hospital stays, and many other important services.

# data[].attributes.body
As an authority on education financing, we are committed to supporting college-bound students and their families.

# data[].attributes.attachment_link.readable_text
You've received your college acceptances and financial aid offers. Now what? You'll need to review any financial aid you received, calculate your estimated net cost at each college in order to make your final decision, and then create a college payment strategy. Follow our steps below, and be sure to attend one of our upcoming How to Pay for College: A Guide for High School Seniors & Families webinars.

1. Learn About Your Financial Aid

What Can You Expect to See in a Financial Aid Offer? The document includes many important details. Learn More

Different Types of Student Financial Aid
There are three main types of financial aid. Learn More

2. Determine Your Net Cost

College Cost Calculator
Use our tool to input your financial aid and find out your net cost at every college. This information can help you make a financially wise college decision. Calculate Now

3. Make a Plan to Pay Your Bill

College Payment Plans
Payment plans are an interest-free way to pay for college over time. Learn More

Tips for Private Student Loans
Understand the facts about loans before you borrow. Learn More

Student Loan Payment Calculator
It's important to know your potential monthly payment and total loan cost before you borrow an education loan. Calculate Now

The MEFA Podcast: What Can You Expect to See in a Financial Aid Offer?

90 Seconds with MEFA: How to Pay for College: A Guide for High School Seniors & Families

Request an Appointment

Complete our online form to request a one-on-one appointment with a MEFA College Planning Team member.

# data[].attributes.attachment_link.title
How to Pay for College: A Guide for High School Seniors & Families - MEFA

# data[].attributes.attachment_link.description
You've received your college acceptances and financial aid offers. Now what? You'll need to review any financial aid you received, calculate your estimated net cost at each college in order to make your final decision, and then create a college payment strategy.

# data[].attributes.headline
The Homeowner Assistance Fund will begin accepting applications in Massachusetts in late December 2021.

# data[].attributes.subject
The Homeowner Assistance Fund will begin accepting applications in Massachusetts in late December 2021.

# data[].attributes.body
The Homeowner Assistance Fund (HAF) is a federally-funded housing assistance program for Massachusetts homeowners impacted by COVID-19. Take the prescreening questionnaire here: https://massmortgagehelp.org/prescreening

# data[].attributes.body
The One Family Scholars program provides individualized academic and career coaching to single parents with low incomes in college in Massachusetts. One Family Scholars receive scholarships to cover direct costs of college (such as tuition, fees, books, and technology) as well as indirect costs of college (such as childcare, transportation, and living expenses).

# data[].attributes.attachment_link.readable_text
​

To read about the impact of the One Family Scholars program, click here .

One Family Scholars are single parents (any gender) with dependent children under age 18 with incomes below 200% of the
Federal Poverty Level who live in Massachusetts and attend Massachusetts accredited colleges and universities. Applicants must be endorsed by a Community Partner organization (the endorsement form can be found here).

For assistance with the online application, please send a detailed email to
applications@onefamilyinc.org. Please be sure to include a description of the problem, the error message if applicable, and the location of the problem.

No. If you are sponsored by a partnering community organization you will receive priority during our selection process. However, if you are not currently working with one of our
existing Community Partners you can apply and submit two (2) candidate endorsement forms from organizations that you are currently affiliated with, and are willing to support you throughout your tenure in the program.

​

A Community Partner should be a 501(c)3 non-profit, or a group using a 501(c)3 non-profit as a fiscal agent who works with low-income single parents. If your non-profit organization works with low-income single heads of household, the One Family Scholars program provides a continued pathway for your clients and their children to leave poverty behind. Non-profit organizations that are interested in becoming Community Partners must complete a One Family Community Partner application. To request an application, please contact
applications@onefamilyinc.org.

# data[].attributes.attachment_link.description
​ To read about the impact of the One Family Scholars program, click here . One Family Scholars are single parents (any gender) with dependent children under age 18 with incomes below 200% of the Federal Poverty Level who live in Massachusetts and attend Massachusetts accredited colleges and universities.

# data[].attributes.headline
Let's make sense of financial aid, together!

# data[].attributes.subject
Let's make sense of financial aid, together!

# data[].attributes.body
Not sure where to start your college journey? There's a lot of information out there. Here we've collected the resources, tools, and websites uAspire advisors trust and use with students. We also have virtual opportunities for free financial aid help.

# data[].attributes.attachment_link.description
uAspire is a nonprofit organization ensuring that all young people have the financial information and resources necessary to find an affordable path to and through college.

# data[].attributes.body
www.heatinghelpma.org

# data[].attributes.attachment_link.readable_text
This program provides assistance through a fixed benefit amount for the cost of the primary source of heat with includes, but is not limited to:

If eligible, discounts are automatically given on:

Electric bills for investor owned electric utilities

Gas bills for investor-owned gas utilities

Telephone bills

Payments for actual usage or fuel delivery are made directly to the heating vendor for primary energy needs from November 1st to April 30th except when the cost of heating is included in the rent.

# data[].attributes.attachment_link.title
Learn about Low Income Home Energy Assistance Program (LIHEAP)

# data[].attributes.attachment_link.description
This program provides assistance through a fixed benefit amount for the cost of the primary source of heat with includes, but is not limited to: If eligible, discounts are automatically given on: Electric bills for investor owned electric utilities Gas bills for investor-owned gas utilities Telephone bills Payments for actual usage or fuel delivery are made directly to the heating vendor for primary energy needs from November 1st to April 30th except when the cost of heating is included in the rent.

# data[].attributes.body
StreetCred offers free tax preparation to make sure you get the money you deserve!

We serve:

Families who make under $73,000 per year

Limited English speakers

Persons with disabilities

The elderly

# data[].attributes.attachment_link.readable_text
Visit our Client Tax Website to access online tax preparation services.

StreetCred offers free tax preparation to make sure you get the money you deserve!

Tax site opening on January 24th of 2022!

We serve:

Families who make under $73,000 per year

Limited English speakers

Persons with disabilities

The elderly

We specialize in:

Earned Income Tax Credit (EITC): a refundable credit for low to moderate-income working individuals. The money you get back varies based on income and how many children you have (maximum ~$6,600).

Expanded Child Tax Credit: worth $3,600 per child (ages 0-5) and $3,000 per child (ages 6-17). *You may have received the advanced monthly payments (the IRS sent out monthly checks from July 15th - December 15th, 2021 totaling half of the amount of the credit). In order to get the second half, you must file a 2021 tax return! Eligible families who didn't receive the advanced payments for the child tax credit will be able to receive the full amount of the credit when filing a 2021 tax return.
To be eligible, the child must live with you and be your dependent. The child needs a social security number. Income limit of $75,000 - $150,000 per household.

Obtaining an ITIN

If you are undocumented but have U.S. citizen kids, new legal changes can help your family. You can apply for an ITIN number that allows you to file tax returns and request significant credits for your kids. StreetCred can help you connect with Greater Boston Legal Services to decide whether this is the right step for you and your family, and to apply for an ITIN should you choose to do so. You can also contact us at 617-414-5170 or email info@mystreetcred.org.

Si usted es indocumentado pero tiene hijos ciudadanos estadounidenses, nuevos cambios legales pueden ayudar a su familia. Puede solicitar un número ITIN que le permita presentar declaraciones de impuestos y solicitar créditos significativos para sus hijos. StreetCred puede ayudarlo a conectarse con Greater Boston Legal Services para decidir si este es el paso correcto para usted y su familia, y para solicitar un ITIN en caso de que usted decida hacerlo.

# data[].attributes.attachment_link.description
Visit our Client Tax Website to access online tax preparation services. StreetCred offers free tax preparation to make sure you get the money you deserve! Tax site opening on January 24th of 2022! We serve: Families who make under $73,000 per year Limited English speakers Persons with disabilities The elderly We specialize in: Earned Income Tax Credit (EITC): a refundable credit for low to moderate-income working individuals.

# data[].attributes.headline
Military OneSource Eases Tax Season Stress With Remote Tax Support Through MilTax

# data[].attributes.subject
Military OneSource Eases Tax Season Stress With Remote Tax Support Through MilTax

# data[].attributes.attachment_link.readable_text
Military OneSource's MilTax suite of 100% free tax services is available to provide the military community with a remote option for receiving expert tax support and e-filing their 2021 taxes, the Defense Department announced today.

MilTax takes some of the stress out of filing taxes for service members and their immediate family, including spouses who may have experienced job loss, remote work, or changes in pay in 2021. A benefit from the Defense Department, MilTax includes free tax preparation and e-filing software developed specifically to address common military life scenarios, such as deployments, combat and training pay, housing and rentals, and multistate filing. The software walks users step-by-step through a series of questions to help them complete and file their federal return and up to three state tax forms.

Service members and spouses also have free access to MilTax consultants who are versed in recent changes to tax law and specially trained to know all the nuances of filing taxes in the military. They can help service members and their immediate families understand complex tax situations, such as tax forgiveness and refunds for surviving family members, extensions and deadlines, and much more, including COVID-19 pandemic-related tax changes.

"Tax season can be particularly stressful for the military community because of the unique aspects of military life that can impact their tax returns, and the pandemic continues to amplify the need for easy, remote and reliable tax support," said Deputy Assistant Secretary of Defense for Military Community and Family Policy Patricia "Patty" Montes Barron. "Service members and their families have filed more than 270,000 federal and state returns using MilTax. The Defense Department is pleased to once again offer this easy-to-use, secure and accurate tax service that was developed specifically for our service members and their families."

The MilTax tax preparation and e-filing software is available through Oct. 17, 2022. MilTax consultants are available year-round to answer questions.

For more information about the suite of MilTax services, call 800-342-9647 or start a live chat anytime to schedule an appointment to speak with a MilTax consultant or visit Military OneSource to get started filing your taxes.
About Military Community and Family Policy
Military Community and Family Policy is directly responsible for establishing and overseeing quality-of-life policies and programs that help our service members, their families, and survivors be well and mission-ready. Military OneSource is the gateway to programs and services that support the everyday needs of the 5.2 million service members and immediate family members of the military community. These Defense Department services can be accessed 24/7/365 around the world.

About Military OneSource

Military OneSource is a DoD-funded program that is both a call center and a website providing comprehensive information, resources and assistance on every aspect of military life. Service members and the families of active duty, National Guard and reserve (regardless of activation status), Coast Guard members when activated for the Navy, DoD expeditionary civilians, and survivors are eligible for Military OneSource services, which are available worldwide 24 hours a day, seven days a week, free to the user.

# data[].attributes.attachment_link.title
Military OneSource Eases Tax Season Stress With Remote Tax Support Through MilTax

# data[].attributes.attachment_link.description
Military OneSource's MilTax suite of 100% free tax services is available to provide the military community with a remote option for receiving expert tax support and e-filing their 2021 taxes, the Defense Department announced today.

# data[].attributes.attachment_caption
Mayor's Office of Workforce Development - Programs

# data[].attributes.headline
Mayor's Office of Workforce Development - Programs

# data[].attributes.subject
Mayor's Office of Workforce Development - Programs

# data[].attributes.body
Education Programs, Financial Programs, Job Training, Legal & Compliance Programs, Youth Programs,

# data[].attributes.attachment_link.readable_text
The Mayor's Office of Workforce Development oversees several programs and collaborative initiatives designed to promote economic opportunity for Boston's residents. Learn more about these programs below.

Education Programs

Adult Literacy Initiative
ALI is a consortium of adult education programs in the City of Boston that are supported by state and/or city funding and meet regularly to share best practices and work on professional development.

Financial Programs

Hiring Programs

Job Training Programs

Legal & Compliance Programs

Youth Programs

# data[].attributes.attachment_link.description
The Mayor's Office of Workforce Development oversees several programs and collaborative initiatives designed to promote economic opportunity for Boston's residents. Learn more about these programs below. Adult Literacy Initiative ALI is a consortium of adult education programs in the City of Boston that are supported by state and/or city funding and meet regularly to share best practices and work on professional development.

# data[].attributes.body
Minuteman Technical Institute (and likely other technical schools) are able to offer basic car repairs (tune-ups, breaks, etc.) essentially at cost (just parts) to the community. They ask for a small donation but the labor is basically free as they use the work to teach students (supervised by faculty). Contact them to learn more.

# data[].attributes.attachment_link.readable_text
Federal Emergency Housing Payment Assistance Programs Provided Rent, Utilities, and Mortgage Support

During the COVID-19 crisis, federal emergency housing payment assistance programs provided crucial support in rental, mortgage and utilities assistance to residents across the Commonwealth of Massachusetts. These programs supported MA residents who were impacted by the COVID-19 pandemic, providing assistance to those who lost their jobs or income, struggled to make rent, mortgage, or utilities payments, and/or were at risk of becoming homeless. These programs included the Emergency Rental Assistance Program (ERAP), the Subsidized Housing Emergency Rental Assistance (SHERA), and the Emergency Rental and Mortgage Assistance (ERMA) programs.

For summary statistics about the Massachusetts COVID-19 Eviction Diversion Initiative, including the ERAP, SHERA, and ERMA programs, visit our Eviction Diversion Initiative Dashboard

Details on the Emergency Rental Assistance Program (ERAP)

The Emergency Rental Assistance Program (ERAP) was administered by Regional Administering Agencies (RAAs) and leveraged federal funding for eligible low-income tenants in need of emergency rental assistance during the COVID-19 pandemic. ERAP provided up to 18 months of help with overdue and/or future rent (due on or after 3/13/20), as well as help with utility costs. Applicants had to show they experienced a COVID-related financial hardship.

What were the program requirements for the federal Emergency Rental Assistance Program?

ERAP was a federal disaster relief program and as of April 15, 2022 had the following program requirements: :

Benefits: Under ERAP, eligible households could qualify for up to eighteen (18) months of rental arrears and/or future rent with no dollar limit, as well as overdue utilities arrears up to $2,500. Eligible applicants who d id not receive federal housing subsidies (i.e. Section 8) could qualify for future rent stipends. To qualify for future rent stipends, at least one month's arrearage was required (unless moving due to health/safety crisis, overcrowding, doubled up, etc.) All rent and utility arrears must have been accrued after 3/13/20.

COVID-19 impact: Households had to provide a statement attesting to unemployment, decreased wages, or increased expenses due to COVID-19. COVID-19 impact could be indirect, and included cases where a household was either directly impacted by COVID-19 OR had been affected by related issues since March 2020. This could have included losing a job, having hours reduced, losing access to childcare or dependent care, seeing increased expenses, or something else. Documentation was not required.

Higher Benefit and Longer-term relief: Households could qualify for up to eighteen (18) months of rental arrears and/or future rent, as well as overdue utilities arrears up to $2,500. Applicants who did not receive federal housing subsidies (i.e. Section 8) may be eligible for future rent stipends. All rent and utility arrears must have been accrued after 3/13/20.

ERAP Income Eligibility: Renters applying for assistance under ERAP could earn up to 80% of Area Median Income (AMI). If an adult in the household had zero income, their zero income status could be self-attested in the application and did not require additional documentation. Use Limits: With ERAP, renters could only receive help with rent and utilities accrued since March 13, 2020.

Tenant Payments: In accordance with US Treasury Guidance, ERAP payments could be made directly to tenants when the landlord was non-responsive after 7 days to a letter sent via certified US postal mail with return receipt requested; non-responsive to three (3) phone, email, or text messaging attempts over 5 days; OR when landlord confirmed in writing that they chose not to participate.

According to FAQs issued by the IRS, Federal emergency rental assistance payments are not considered as taxable income. The FAQs can be viewed .

For ERAP, the Federal government provided funds for emergency rent and utility assistance to the Commonwealth of Massachusetts and also directly to the City of Boston. The City of Boston ran their own program to cover Boston residents-Boston residents could apply to either the city or the state program, but could not receive benefits from both programs at the same time. Information on housing stability in the City of Boston, including rental assistance, can be found here: https://www.boston.gov/departments/housing/office-housing-stability

Details on the Subsidized Housing Emergency Rental Assistance (SHERA) Program

Subsidized Housing Emergency Rental Assistance (SHERA), was a federally-funded emergency rental assistance program which allowed qualified Public / Local Housing Authorities and owners of affordable housing properties to apply online for Emergency Rental Assistance on behalf of multiple residents in a single application to expedite relief for residents.

Participating owners committed to divert evictions through industry best practices and a six-month protection against eviction for non-payment of rent for participating residents. These steps were essential in ensuring stable housing for residents affected by the COVID-19 pandemic.

Households had to provide a statement attesting to unemployment, decreased wages, or increased expenses due to COVID-19. COVID-19 impact could be indirect, and included cases where a household was either directly impacted by COVID-19 OR had been affected by related issues since March 2020. This could include losing a job, having hours reduced, losing access to childcare or dependent care, seeing increased expenses, or something else. Documentation was not required.

Income Eligibility: Same income eligibility as ERAP (up to 80% AMI). The program was for tenants living in qualified public/local housing authorities and affordable housing.

Benefits: SHERA was able to cover the tenant's portion of unpaid rent for up to 18 months, beginning on or after April 1, 2020. For assistance with unpaid rent from other periods or with expenses such as overdue utility bills, renters were encouraged to apply for financial assistance directly through their local Regional Administering Agency.

The SHERA program requirements are available in more detail

Details on the Emergency Rental and Mortgage Assistance (ERMA) program

The Emergency Rental and Mortgage Assistance (ERMA) program was a federally funded emergency housing assistance program for homeowners impacted by COVID-19.​ ERMA launched in July 2020 and closed on December 31, 2021 . As of December 2021, ERMA had the following program requirements: Income Eligibility: Renters and homeowners applying for assistance under ERMA could earn up to 80% of Area Median Income (AMI).

Benefits: ERMA provided up to $10,000 in rental or mortgage assistance for eligible households. Note, once ERAP launched ERMA was prioritized for applicants with mortgage arrears or needing assistance with future mortgage payments.

# data[].attributes.attachment_link.title
Emergency Housing Payment Assistance during COVID-19

# data[].attributes.attachment_link.description
During the COVID-19 crisis, federal emergency housing payment assistance programs provided crucial support in rental, mortgage and utilities assistance to residents across the Commonwealth of Massachusetts. These programs supported MA residents who were impacted by the COVID-19 pandemic, providing assistance to those who lost their jobs or income, struggled to make rent, mortgage, or utilities payments, and/or were at risk of becoming homeless.

# data[].attributes.headline
Steps you can take now to make tax filing easier in 2022

# data[].attributes.subject
Steps you can take now to make tax filing easier in 2022

# data[].attributes.body
https://www.irs.gov/individuals/steps-to-take-now-to-get-a-jump-on-next-years-taxes

# data[].attributes.attachment_link.readable_text
Use online account to securely access the latest information available about your federal tax account and see information from your most recently filed tax return on IRS.gov.

You can:

View the amounts of the Economic Impact Payments you received

Access Child Tax Credit Update portal for information about advance Child Tax Credit payments

View key data from your most recent tax return and access additional records and transcripts

View details of your payment plan if you have one

View 5 years of payment history and any pending or scheduled payments

Act now if you need to create an account.

Organized tax records make preparing a complete and accurate tax return easier. It helps you avoid errors that lead to processing delays that slow your refund and may also help you find overlooked deductions or credits.

Wait to file until you have your tax records including:

Forms W-2 from your employer(s)

Forms 1099 from banks, issuing agencies and other payers including unemployment compensation, dividends, distributions from a pension, annuity or retirement plan

Form 1099-K, 1099-MISC, W-2 or other income statement if you worked in the gig economy

Form 1099-INT if you were paid interest

Other income documents and records of virtual currency transactions

Form 1095-A, Health Insurance Marketplace Statement, to reconcile advance Premium Tax Credits for Marketplace coverage

Letter 6419, 2021 Total Advance Child Tax Credit Payments to reconcile your advance Child Tax Credit payments

Letter 6475, Your 2021 Economic Impact Payment, to determine whether you're eligible to claim the Recovery Rebate Credit

Notify the IRS if your address changes and notify the Social Security Administration of a legal name change.

Remember, most income is taxable. This includes:

An ITIN only needs to be renewed if it has expired and is needed on a U.S. federal tax return.

If your ITIN wasn't included on a U.S. federal tax return at least once for tax years 2018, 2019, and 2020, your ITIN will expire on December 31, 2021.

As a reminder, ITINs with middle digits 70, 71, 72, 73, 74, 75, 76, 77, 78, 79, 80, 81, 82, 83, 84, 85, 86, 87, or 88 have expired. In addition, ITINs with middle digits 90, 91, 92, 94, 95, 96, 97, 98, or 99, IF assigned before 2013, have expired. If you previously submitted a renewal application and it was approved, you do not need to renew again.

Consider adjusting your withholding if you owed taxes or received a large refund last year. Changing your withholding can help you avoid a tax bill or let you keep more money each payday. Life changes - getting married or divorced, welcoming a child, or taking on a second job - may also mean changing withholding.

Use the Tax Withholding Estimator to help you determine the right amount of tax to have withheld from your paycheck. This tool on IRS.gov will help determine if you need to adjust your withholding and submit a new Form W-4 to your employer.

Consider estimated tax payments. If you receive a substantial amount of non-wage income like self-employment income, investment income, taxable Social Security benefits and in some instances, pension and annuity income you should make quarterly estimated tax payments, with the last payment for 2021 due on January 18, 2022.

Log in to your online account to make a payment online or go to IRS.gov/payments.

The fastest way for you to get your tax refund is by filing electronically and choosing direct deposit.

Direct deposit gives you access to your refund faster than a paper check.Don't have a bank account?Learn how to open an account at an FDIC-Insured bank or through the National Credit Union Locator Tool.

If you are a Veteran, see the Veterans Benefits Banking Program (VBBP) for access to financial services at participating banks.

Eight out of 10 taxpayers get their refunds by using direct deposit. The IRS uses the same electronic transfer system to deposit tax refunds that is used by other federal agencies to deposit nearly 98% of all Social Security and Veterans Affairs benefits into millions of accounts.

Direct deposit also avoids the possibility that a refund check could be lost or stolen or returned to the IRS as undeliverable. And it saves taxpayer money. It costs more than $1 for every paper refund issued, but only a dime for each direct deposit.

If you received advance payments, when you file your 2021 tax return, you will need to compare the advance Child Tax Credit payments that you received during 2021 with the amount of the Child Tax Credit that you can properly claim on your 2021 tax return. The fastest way for you to get your tax refund that will include your Child Tax Credit is by filing electronically and choosing direct deposit.

If you received less than the amount that you're eligible for, you'll claim a credit for the remaining amount of Child Tax Credit on your 2021 tax return. If you received more than the amount that you're eligible for, you may need to repay some or all of that excess payment when you file.

In January 2022, the IRS will send you Letter 6419 to provide the total amount of advance Child Tax Credit payments that you received in 2021. You need to keep this and any other IRS letters you received about advance CTC payments you received with your tax records and refer to them when you file.

See Reconciling Your Advance Child Tax Credit Payments on Your 2021 Tax Return for more information.

Individuals who didn't qualify for third Economic Impact Payments or did not receive the full amount may be eligible for the Recovery Rebate Credit based on their 2021 tax situation. The fastest way for you to get your tax refund that will include your Recovery Rebate Credit is by filing electronically and choosing direct deposit.

If you received the full amount for your third Economic Impact Payment, you won't include any information about it when you file your 2021 tax return.

If you're eligible, you'll need to file a 2021 tax return even if you don't usually file to claim the Recovery Rebate Credit and you didn't get the full amount of the third Economic Impact Payment.

File an accurate return to avoid processing delays that slow your refund. You will need the amount of third Economic Impact Payment and any Plus-Up Payments you received to calculate your 2021 Recovery Rebate Credit amount using the 2021 RRC Worksheet or tax preparation software.

In early 2022, the IRS will send you Letter 6475 to provide the total amount of the third Economic Impact Payment and any Plus-Up payments that you received. You need to keep this and any other IRS letters you received about your stimulus payments with your tax records and refer to them when you file. Or you can log in to your online account to securely access your Economic Impact Payment amounts. If you are claiming a 2021 Recovery Rebate Credit, you will need the total amount of your third Economic Impact payment and any plus up payments to file your return accurately and avoid a refund delay.

Remember, only eligible individuals who did not qualify for a third Economic Impact Payment or did not receive the full amount should claim the Recovery Rebate Credit on a 2021 tax return. Do not include amounts of missing first or second stimulus payments on your 2021 return.

See IRS.gov/rrc for more information.

Many different factors can affect the timing of your refund after we receive your return. Although the IRS issues most refunds in less than 21 days, the IRS cautions taxpayers not to rely on receiving a refund by a certain date, especially when making major purchases or paying bills. Some returns may require additional review and may take longer. For example, the IRS, along with its partners in the tax industry, continue to strengthen security reviews to help protect against identity theft and refund fraud. Additionally, refunds for people claiming the Earned Income Tax Credit (EITC) or Additional Child Tax Credit (ACTC) can't be issued before mid-February. The law requires the IRS to hold the entire refund − even the portion not associated with EITC or ACTC.

Some returns, filed electronically or on paper, may need manual review delaying the processing if our systems detect a possible error, is missing information, or there is suspected identity theft or fraud. Some of these situations require us to correspond with taxpayers, but some do not. This work does require special handling by an IRS employee so, in these instances, it may take the IRS more than the normal 21 days to issue any related refund. In those cases where IRS is able to correct the return without corresponding, the IRS will send an explanation to the taxpayer.

Beginning in January 2022, almost everyone can file electronically for free on IRS.gov or with the IRS2Go app. The IRS Free File program, available only through IRS.gov, offers eligible taxpayers brand-name tax preparation software packages to use at no cost. Some of the Free File packages also offer free state tax return preparation. The software does all the work of finding deductions, credits and exemptions for you.

If you're comfortable preparing your own taxes, you can use Free File Fillable Forms, regardless of your income, to file your tax returns either by mail or online.
Use MilTax if you're a service member or qualifying veteran
Members of the armed forces and some veterans may take advantage of MilTax. This free tax resource is available for the military community, offered through the Department of Defense. There are no income limits. MilTax includes tax preparation and electronic filing software, personalized support from tax consultants and current information about filing taxes. It's designed to address the realities of military life - including deployments, combat and training pay, housing and rentals and multi-state filings. Eligible taxpayers can use MilTax to electronically file a federal tax return and up to three state returns for free.
Use the VITA Locator Tool
The IRS's Volunteer Income Tax Assistance (VITA) and Tax Counseling for the Elderly (TCE) programs offer free basic tax return preparation to qualified individuals. The VITA Locator Tool. Will help you locate an open VITA site near you.
Find a tax professional
You have several options to help find a tax preparer. One resource is Choosing a Tax Professional, which offers a wealth of information for selecting a tax professional. There are various types of tax return preparers, including enrolled agents, certified public accountants, attorneys and some who don't have a professional credential.

The Directory of Federal Tax Return Preparers with Credentials and Select Qualifications can help you find preparers in your area who currently hold professional credentials recognized by the IRS, or who hold an Annual Filing Season Program Record of Completion.
Use the Interactive Tax Assistant (ITA)
Beginning in January 2022 use the ITA to find out if life event changes make you eligible for credits you didn't qualify for in the past. The ITA is a tool that provides answers to many tax law questions. It can determine if a type of income is taxable, if you're eligible to claim certain credits, or if you can deduct expenses on your tax return. It also provides answers for general questions, such as determining your filing status, if you can claim dependents, or if you have to file a tax return.

After you file, check the status of your refund by going to IRS.gov and clicking on Where's My Refund? The status of your refund will be available within 24 hours after the IRS accepts your e-filed tax return. If you filed a paper return, it can take up to four weeks after it is mailed. The Where's My Refund? tool updates once every 24 hours, usually overnight, so you only need to check once a day.

File electronically and choose Direct Deposit for your tax refund - it's the fastest and safest way to receive your money. Electronically filed tax returns are received within 24 hours, and paper tax returns take weeks. If you file a paper return, you can still choose direct deposit. The FDIC website offers information to help you open an account online.

There's never been a better time to join the Volunteer Income Tax Assistance (VITA) and Tax Counseling for the Elderly (TCE) programs. VITA/TCE volunteers provide free tax return preparation for eligible taxpayers. With many people experiencing financial changes this year, additional volunteers are needed to assist them. In response, the IRS has new ways to make volunteering easier.

Some sites will now give volunteers the option to assist taxpayers virtually rather than the face to face assistance. This allows volunteers to help taxpayers complete their returns over the phone or online. Some volunteers may conduct a quality review with the taxpayer before the tax return is e-filed with the IRS. Virtual volunteering is a great option for new volunteers, since they can ask experienced volunteers for help while completing tax returns.

Visit IRS.gov/volunteers to learn more and sign up. After signing up, you'll receive more information about attending a virtual orientation.

Link & Learn Taxes is a web-based training program for volunteers. It prepares VITA and TCE partners and volunteers to provide quality tax return preparation services in their local communities. This fun, interactive course teaches you to accurately prepare income tax returns for individuals, and you can obtain volunteer certification along the way at your own pace.

Publication 5533, Why You Should Create an IRS Online Account PDF

Publication 5533-A, How to Submit Authorizations Using Tax Pro Account and Online Account PDF

Publication 5136, IRS Services GuidePDF
Shows where to find help on IRS.gov

Publication 5348, Get Ready to File PDF, Get ready to file your federal income tax return with these preparation tips

Publication 5349, Year-round tax planning is for everyone PDF, Explains that what you do now may affect any tax you could owe or refund you may expect next year.

Publication, 5585, Child-related 2021 Tax Credits PDF, You might receive a tax refund even if you're not required to file.

# data[].attributes.attachment_link.title
Steps to Take Now to Get a Jump on Next Year's Taxes | Internal Revenue Service

# data[].attributes.attachment_link.description
Use online account to securely access the latest information available about your federal tax account and see information from your most recently filed tax return on IRS.gov.

# data[].attributes.headline
Massachusetts Healthy Incentives Program (HIP)

# data[].attributes.subject
Massachusetts Healthy Incentives Program (HIP)

# data[].attributes.body
HIP puts money back on your EBT card when you use SNAP to buy healthy, local fruits and vegetables from HIP farm vendors.

# data[].attributes.attachment_link.title
Massachusetts Healthy Incentives Program (HIP)

# data[].attributes.attachment_link.description
Program basics and frequently asked questions

# data[].attributes.headline
Assurance Wireless - Free Smartphone & Plan

# data[].attributes.subject
Assurance Wireless - Free Smartphone & Plan

# data[].attributes.body
For eligible customers, get a free smartphone & cellphone plan supported by the Affordable Connectivity Program (ACP)

# data[].attributes.attachment_link.readable_text
Federal Lifeline Assistance:

Assurance Wireless is a federal Lifeline Assistance program. Lifeline is a government benefit program supported by the federal Universal Service Fund.

Qualifications:

Enrollment is available to individuals who qualify based on federal or state-specific eligibility criteria. You may qualify if you are on certain public assistance programs, like Medicaid or Supplemental Nutrition Assistance Program (SNAP). You can also qualify based on your household income.

Proof of Eligibility:

You must provide proof of program participation or proof of income.

One Account per Household:

The Lifeline Assistance program is available for only one wireless or wireline account per household. Separate households that live at the same address are eligible, including residents of homeless shelters and nursing homes. Residents with temporary addresses are also eligible.

The Affordable Connectivity Program (ACP) is a government program that reduces the customer's broadband internet access service bill. One discount per eligible household and is non-transferable across households. An eligible household may obtain ACP-supported broadband service from any participating provider of its choosing and may apply ACP benefit to any broadband service offering of the participating provider at the same terms available to households that are not eligible for ACP-supported service. ACP service provider may disconnect the household's ACP-supported service after 90 consecutive days of non-payment; the household will be subject to the provider's undiscounted rates and general terms and conditions if the program ends, if the consumer transfers their benefit to another provider but continues to receive service from the current provider, or upon de-enrollment from ACP. A household may file a complaint against its provider via the Commission's Consumer Complaint Center; visit https://acpbenefit.org for more information on ACP. Unlimited while on our network. Mobile Hotspot up to 10GB 4G LTE. Capable device required. Coverage is not available everywhere. By activating your device and service, you agree to the Assurance Wireless Terms and Conditions. See full terms (including arbitration provision) and details at assurancewireless.com. ​

A Worry-Free Way To Stay Connected.

# data[].attributes.attachment_link.title
Assurance Wireless Unlimited :: Assurance Wireless

# data[].attributes.attachment_link.description
Assurance Wireless is a federal Lifeline Assistance program. Lifeline is a government benefit program supported by the federal Universal Service Fund. Enrollment is available to individuals who qualify based on federal or state-specific eligibility criteria. You may qualify if you are on certain public assistance programs, like Medicaid or Supplemental Nutrition Assistance Program (SNAP).

# data[].attributes.body
Locator of general legal services offered within the Continental United States (CONUS) for active duty servicemembers.

# data[].attributes.attachment_link.readable_text
Complete the form below to locate active duty legal activities offering general legal services within the continental United States (CONUS).

Although the Legal Services Locator's information is limited to certain CONUS bases, other parts of the AF Legal Assistance Website, including the online surveys, legal worksheets and corresponding ticket numbers may be used at all CONUS, OCONUS and AOR Air Force legal offices.

The information provided by this Web site is for educational and general informational purposes only. The information herein is not legal advice. Individuals eligible for military legal assistance may use the Legal Services Locator to find the nearest legal assistance office.

The appearance of hyperlinks does not constitute endorsement by the U.S. Air Force Judge Advocate General's Corps, the U.S. Air Force, or the Department of Defense, of the external Web site, or the information, products or services contained therein. For other than authorized activities such as military exchanges and Morale, Welfare and Recreation (MWR) sites, the United States Air Force does not exercise any editorial control over the information you may find at these locations. Such links are provided consistent with the stated purpose of the Web site.

Sorry, no legal offices were found for the selection entered.

This may indicate one of several things:

You have typed the URL wrong (if you entered it, as opposed to clicking on a link). Action: enter the correct URL.

The file you seek has been relocated (renamed) and the referring page has been modified, but you are using the previous version of the referring page from your browser's cache. Action: click on the "Reload" button and try the link again; if this doesn't work, empty your disk cache then reload and try again.

The file may have been relocated (renamed) but the referring page was not updated.

# data[].attributes.attachment_link.description
Complete the form below to locate active duty legal activities offering general legal services within the continental United States (CONUS). Although the Legal Services Locator's information is limited to certain CONUS bases, other parts of the AF Legal Assistance Website, including the online surveys, legal worksheets and corresponding ticket numbers may be used at all CONUS, OCONUS and AOR Air Force legal offices.

# data[].attributes.attachment_caption
Babies, jobs, bills, relationships. We get it. Get your SNHU degree fast, powered by Duet. 

# data[].attributes.body
Duet is a coaching nonprofit. SNHU is a nonprofit accredited private university. Together we offer a way for working adults to go to college and graduate without wasting money.

# data[].attributes.attachment_link.description
Earn your Bachelor's or Associate degree from Southern New Hampshire University. Fast, affordable, flexible hours. Designed for working adults.

# data[].attributes.body
Down Payment Assistance

# data[].attributes.attachment_link.readable_text
We're breaking down barriers to homeownership by offering as much as $50,000 toward your down payment.

We know how difficult it is to save for a down payment on a home. MassHousing's Down Payment Assistance gets you over the down payment hurdle, gives you more buying power and helps you become a homeowner faster!

Up to $50,000 for Homebuyers in Boston and Select Communities

Buying a home in the City of Boston or one of 28 mid-size cities in Massachusetts*? You may be eligible for down payment assistance of 10% of a home's purchase price, up to $50,000 along with a number of other benefits!
*The 28 mid-sized cities eligible for up to $50,000 in down payment assistance are Attleboro, Barnstable, Brockton, Chelsea, Chicopee, Everett, Fall River, Fitchburg, Framingham, Haverhill, Holyoke, Lawrence, Leominster, Lowell, Lynn, Malden, Methuen, New Bedford, Peabody, Pittsfield, Quincy, Randolph, Revere, Salem, Springfield, Taunton, Westfield, and Worcester.
Up to $30,000 for Homebuyers in all Massachusetts Communities

Buying elsewhere in Massachusetts? You may be eligible for down payment assistance of 10% of a home's purchase price, up to $30,000 as well as a number of other benefits!

# data[].attributes.attachment_link.description
We're breaking down barriers to homeownership by offering as much as $50,000 toward your down payment. We know how difficult it is to save for a down payment on a home. MassHousing's Down Payment Assistance gets you over the down payment hurdle, gives you more buying power and helps you become a homeowner faster!

# data[].attributes.headline
 Tax Withholding Estimator "Paycheck Checkup"

# data[].attributes.subject
 Tax Withholding Estimator "Paycheck Checkup"

# data[].attributes.body
https://www.irs.gov/payments/tax-withholding
The Tax Cuts and Jobs Act changed the way tax is calculated. The IRS encourages everyone to perform a “paycheck checkup” to see if you have the right amount of tax withheld for your personal situation.

# data[].attributes.attachment_link.readable_text
For employees, withholding is the amount of federal income tax withheld from your paycheck. The amount of income tax your employer withholds from your regular pay depends on two things:

The amount you earn.

The information you give your employer on Form W-4.

For help with your withholding, you may use the Tax Withholding Estimator. You can use the Tax Withholding Estimator to estimate your 2020 income tax. The Tax Withholding Estimator compares that estimate to your current tax withholding and can help you decide if you need to change your withholding with your employer.

More details about the Tax Withholding Estimator and the new 2020 withholding tables can be found on the Frequently Asked Question pages:

# data[].attributes.attachment_link.description
For employees, withholding is the amount of federal income tax withheld from your paycheck. The amount of income tax your employer withholds from your regular pay depends on two things: The amount you earn. The information you give your employer on Form W-4. For help with your withholding, you may use the Tax Withholding Estimator.

# data[].attributes.headline
Serving servicemembers, veterans, and military families

# data[].attributes.subject
Serving servicemembers, veterans, and military families

# data[].attributes.body
CFPB’s Office of Servicemember Affairs (OSA) works to help military families overcome unique financial challenges by providing educational resources, monitoring complaints, and working with other agencies to solve problems faced by servicemembers.

# data[].attributes.attachment_link.readable_text
CFPB's Office of Servicemember Affairs (OSA) works to help military families overcome unique financial challenges by providing educational resources, monitoring complaints, and working with other agencies to solve problems faced by servicemembers.

Meet the Office of Servicemember Affairs

The Office of Servicemembers Affairs was created to support servicemembers, veterans and military families by helping them address unexpected financial challenges and working to protect them in the consumer marketplace.

Misadventures in Money Management (MiMM)

MiMM is a cutting edge, graphic novel where you can choose your own adventure in a virtual learning experience that trains future and current servicemembers and their families on how to navigate future financial landmines in a fun and interactive way.

Tools and resources to use with the people you serve

Navigating the military financial lifecycle

Print and online information for servicemembers at every step of their military career and beyond.

Get the resources

See additional CFPB resources

The Servicemembers Civil Relief Act (SCRA)

The SCRA is a law that provides legal and financial protections to those who have answered the call to serve.

Learn more

The Military Lending Act (MLA) was enacted in 2006 to protect servicemembers from loans with annual rates over 36 percent. In 2015, we helped the Department of Defense as it expanded the coverage of its MLA regulations.

What the CFPB is doing

We have analyzed tens of thousands of complaints from servicemembers, veterans, and military family members to ensure we're matching our efforts with their priorities.

Servicemembers have special options that could save them money and make it easier to pay off their student loans. We've worked closely with the Department of Education to ensure servicemembers get their student loan benefits.

Enforcement actions

The CFPB has recovered millions in relief for servicemembers, veterans, and military families from companies that targeted them with scams or illegal practices.

# data[].attributes.attachment_link.title
Serving servicemembers, veterans, and military families | Consumer Financial Protection Bureau

# data[].attributes.attachment_link.description
CFPB's Office of Servicemember Affairs (OSA) works to help military families overcome unique financial challenges by providing educational resources, monitoring complaints, and working with other agencies to solve problems faced by servicemembers. The Office of Servicemembers Affairs was created to support servicemembers, veterans and military families by helping them address unexpected financial challenges and working to protect them in the consumer marketplace.

# data[].attributes.body
Learn new skills to launch your career. Year Up's job training program is tuition free, and offers access to today's best companies and a proven path to career success.

# data[].attributes.attachment_link.readable_text
Average starting annual salary of Year Up graduates

Students served

of graduates employed and/or enrolled in postsecondary education within 4 months of graduation

Campuses across U.S.

of alumni are satisfied with Year Up

# data[].attributes.attachment_link.title
Job Training to Close the Opportunity Divide | Year Up

# data[].attributes.attachment_link.description
We bring talented young adults and top companies together to launch careers, power business, and build community.

# data[].attributes.body
The MassHealth Premium Assistance program is for MassHealth members who have access to employer-sponsored health insurance from a job or from another source such as members of their household. The program reimburses eligible MassHealth members for some or all the premium cost of eligible private insurance.

# data[].attributes.attachment_link.readable_text
What is MassHealth Premium Assistance (PA)?

You may qualify for the MassHealth Premium Assistance (PA) program

What you need to do

How to Apply for MassHealth Premium Assistance

Who's ​eligible for MassHealth Premium Assistance (PA)?

Mail or fax your completed MassHealth Premium Assistance (PA) application and Summary of Benefits.

MassHealth members should return the completed application to the Premium Assistance Unit, along with the Summary of Benefits from your employer.

Additional Resources

Maintaining your Employer-Sponsored Insurance (ESI)

Annual Premium Assistance (PA) policy and rate review

Health Insurance Responsibility Disclosure (HIRD) for employers

Additional Resources

Premium Assistance (PA) FAQs

Additional Resources

Member communications

Additional Resources

# data[].attributes.attachment_link.description
What is MassHealth Premium Assistance (PA)? You may qualify for the MassHealth Premium Assistance (PA) program What you need to do Who's ​eligible for MassHealth Premium Assistance (PA)? Mail or fax your completed MassHealth Premium Assistance (PA) application and Summary of Benefits.

# data[].attributes.body
Launched in January of 2020, any child born or adopted in Massachusetts will be eligible for a free $50 deposit to their college savings account.

# data[].attributes.attachment_link.description
The BabySteps Savings Plan is Massachusetts' first statewide seeded U.Fund 529 College Investing Plan.

# data[].attributes.body
Collection of resources In response to Covid-19

# data[].attributes.attachment_link.readable_text
You can apply for help with rent or mortgage payments through 11 regional agencies that work with the state program RAFT (Residential Assistance for Families in Transition), including Wayfinders in Springfield, Metro Housing Boston, and Community Teamwork, Inc in Lowell.

Each household will be eligible to apply for up to $4,000.

For more information, please visit: https://www.metrohousingboston.org/

Qualifying adults will receive $1,200 from the government, plus $500 for each child under 16, to help weather this crisis. Stimulus Payment Calculator

For most, no action is needed to receive this payment. The IRS will use the information from your tax return (2019 or 2018), disability, or SSI payment to deposit the stimulus cash directly into your bank account.

Keep an eye on the IRS Website for additional information, including status of your payment. If you are not required to file 2019 federal taxes (those with a gross income <$12,200), you should submit the form. (Only provide this information through a secure online IRS portal. The IRS will NOT call you for bank information.) Payment Information for Non-Filers

The Stimulus Payment will not affect or reduce your SSI, SNAP, TANF, Medicaid, Section 8, or any other federal benefit program based on income for twelve months after you receive the payment. If you have not spent the money after a year, it may be considered against your "asset" limit.

Budget Buddies recommends utilizing stimulus checks for paying bills, paying off debt, saving, establishing or adding to an emergency fund.

United Way COVID-19 Family Support Funds - Grants will be made to help families impacted by the COVID-19 crisis meet their basic food, childcare or housing needs. In collaboration with the Department of Public Health, United Way's Mass 2-1-1 statewide consumer hotline will provide consumer help during the COVID-19 public health emergency. Individuals can dial 2-1-1 for comprehensive information and referrals related to the virus, including information on where they can access flexible funds through the COVID-19 Family Support Fund.

If you don't qualify for state or federal benefits you may qualify for one-time financial support through the One Lawrence Fund of up to $300 in gift cards. To request assistance from the One Lawrence Fund, Lawrence residents can call 978-620-4717, or submit an . online request form

Modest Needs Grants - Modest Needs offers grants designed to promote the self-sufficiency of individuals and families who, because they are working and live just above the poverty level, are ineligible for most types of conventional social assistance but who, all the same, are living one or two lost paychecks away from the kind of financial catastrophe that eventually leads to homelessness. Depends on application, average grant is between $750.00 and $1,250.00. Not cash grants so can't cover expenses like groceries but can be for most bills or rent for example. Register with the organization, fill out application online (need bank statement or tax form). Set aside 45 minutes to complete.

- interest free personal loans up to $600. "Axuda is a non-profit organization working to provide small, short-term interest free loans to working individuals and families that need a helping-hand. Axuda provides a forum for Borrowers to tell their stories and have their loan request crowdlended by several Axuda Lenders. Once an Axuda loan is repaid, the funds are used again to lend to other Axuda Borrowers." If you are interested in applying, please contact info@budgetbuddies.org or jjordan@budgetbuddies.org for additional information.

For Restaurant & Industry Workers:

Restaurant Strong Fund: The Greg Hill Foundation has teamed up with Samuel Adams* to support those from the Massachusetts restaurant industry who have been impacted by the Covid-19 closures. Grants to full-time restaurant workers in Massachusetts who are dependent on wages plus tips to cover basic living expenses and provide for their families. Their goal is to provide $1,000 grants to as many qualifying grantees as possible.

The Rental Relief Fund will help income-eligible tenants in the City of Boston who: (a) do not have access to expanded unemployment benefits, or (b) because of the nature of their jobs, the unemployment benefits they will receive represent a significant reduction in their actual income.

One Fair Wage - Emergency Coronavirus and Tipped and Service Worker Support Fund. Providing cash assistance to restaurant workers, car service drivers, delivery workers, personal service workers and others. See also these Relief Funds for Restaurant Workers resources.

Pandemic Unemployment Assistance (MA)

Pandemic Unemployment Assistance (PUA) provides up to 39 weeks of unemployment benefits to individuals who are unable to work because of a COVID-19-related reason but are not eligible for regular or extended unemployment benefits. Apply .

The fastest way to file a claim is to," according to "apply for unemploymen t benefits online a state website. People with special needs, disabilities, or language difficulties can enter their information here and be placed in a queue to receive a call from the department of unemployment assistance. If you need assistance, please fill out a Contact Request form .

Contact information specific to your need is available . Please be alert to, and aware of, .

Find NH Insurance related information .

Other companies that have said they are hiring nationally: CVS Pharmacy, Domino's Pizza, Walmart (List not all inclusive)

To help you protect your financial health during the sudden and unprecedented hardship caused by COVID-19, Experian, TransUnion, and Equifax will offer all U.S. consumers free weekly credit reports through April 20, 2021 through AnnualCreditReport.com.

With the CARES ACT, there is an automatic payment suspension for student loans held by the federal government until September 30, 2020. Qualified loans include those that are less than 10 years old.

For those with federal student loans, it was announced that you can suspend payments for at least two months (without incurring interest or penalties) with very minimal effort. You just contact the loan service online or via phone to enroll. Even if your loan repayment is delinquent, you will still get suspended payments. The federal government has also announced that it will be waiving interest specifically for federally-held student loans during this time. Learn more here.

The IRS has moved the national income tax filing day to , three months after the normal deadline for Americans to send in their federal returns due to the COVID-19 emergency.

The IRS urges taxpayers who are due a refund to file as soon as possible. Most tax refunds are still being issued within 21 days.

Homeowners who have lost income or their jobs because of the U.S. Orders Up To A Yearlong Break On Mortgage Payments - coronavirus outbreak are getting some relief. Depending on their situation, they should be eligible to have their mortgage payments reduced or suspended for up to 12 months.

Stop landlords from sending notices of eviction and filing new eviction cases;

Stop courts from scheduling non-emergency hearings, entering judgments, and issuing eviction executions;

Stop sheriffs from levying on executions to remove tenants

Temporarily halt most eviction cases, with limited exceptions for true emergencies involving conditions or conduct endangering the health and safety of others

It will also prevent late fees and negative credit reporting for tenants affected by COVID-19.

For tenants, the bill will temporarily halt all stages of eviction, specifically:

Stop residential foreclosures of owner-occupied 1-4 family housing from going forward;

Require lenders to offer a mortgage forbearance for homeowners affected by COVID-19, with payments added to the end of the loan;

Prevent negative credit reporting for homeowners in forbearance;

Give landlords access to tenants' last month's rent to cover expenses

For homeowners, the bill will temporarily:

offers low-income individuals nation-wide two months of free internet via their Internet Essentials program, with XFinity Wifi networks free for public use, and no disconnects or late fees for existing customers.

Charter-Spectrum offers free access for 60 days to broadband and WiFi services to households with students (K- college) who do not already have services. To enroll: call 1-844-488-8395 (installation fees for student households waived).

A growing number of companies have pledged to "Keep Americans Connected" :

1. Not terminate service to any residential or small business customers because of their inability to pay their bills due to the disruptions caused by the coronavirus pandemic;

2. Waive any late fees that any residential or small business customers incur because of their economic circumstances related to the coronavirus pandemic;

3. Open its Wi-Fi hotspots to any American who needs them.

The moratorium also pauses evictions on small businesses, and makes it easier to access reverse mortgages. The moratorium will remain in effect for either 120 days or 45 days following the end of the state of emergency, and can be extended at the Governor's discretion to ensure it does not end before the end of the state of emergency plus a reasonable time period.

Please find a collection of tech related resources , from Tech Goes Home.

P-EBT provides food supports to help families with children who were receiving free and reduced-price school meals pay for food. More information available .

From the Nashua Division of Public Health & Community Services: Do you have any health-related questions regarding COVID-19? Call us at 603-589-3456! We are available to answer your questions 7 days a week from 8am-9pm. For more information, visit our website at www.nashuanh.gov/COVID19

South Bay Community Services is able to offer Early Intervention services virtually via telehealth video or phone for families with children under the age of 3. Request services .

Massachusetts Department of Public Health: Information about the Women, Infants, and Children (WIC) Nutrition Program . Check to determine eligibility. Apply online .

New Hampshire Department of Health & Human Services: check to determine eligibility for DHHS services. Information about Women, Infants, and Children (WIC) Nutrition Program .

and are currentlyoffering free delivery of prescription medications.

FamilyWize's prescription discount card is accepted at pharmacies nationwide, including major chains and independents. Sign up for your free prescription discount card (this is not insurance) .

Meals for school-aged kids:

YMCA of Greater Boston - Branches remain open to provide food and emergency child care. MA Department of Early Education and Care (EEC) childcare emergency information & support .

MassHealth - an extended enrollment period is available through April 25, 2020 for qualified Massachusetts residents who are uninsured.If your coverage extends through at least March 18, 2020, your coverage is protected and will not be terminated during the COVID-19 outbreak national emergency and for one month after the emergency period ends. MassHealth will not end coverage for any member or any person who is approved for coverage during the COVID-19. You do not need to send in any additional paperwork to keep your coverage. If you have questions about your coverage, contact our Customer Service Center at (800) 841-2900 TTY: (800) 497-4648.

COBRA - federal law that allows you to temporarily keep your health coverage. Eligibility: In the case that your employment ends, you lose coverage as a dependent of the covered employee, or another qualified event. You pay 100% of the premiums, including the share the employer used to pay plus a small administrative fee.

Greater Boston Food Bank - Are you seeking food for yourself, your family, a neighbor, coworker or friend? Use The Greater Boston Food Bank's Partner Agency Locator at the above link to find help in your community (enter your zip code/city at the above link).

PROJECT BREAD - Call 1-800-645-8333 for the Massachusetts hunger hotline. Will also help with filling out SNAP applications.

Resources for the immigrant community.

This shows the location of resources available to the public during COVID-19 pandemic, such as food banks, houses of worship and Project Bread site locations.

Emergency Childcare - For health care and other essential workers.

Tips for financial caregivers during the Coronavirus pandemic[Consumer Financial Protection Bureau]

Watch out for Coronavirus Scammers {Federal Trade Commission}

State of New Hampshire's Banking Department's on Mortgage Foreclosures

Information about auto insurance relief.

Extensive F.A.Q. on Stimulus Checks, Unemployment and the Coronavirus Bill via the New York Times

The New York Time offers a "Hub for Help" with general information about government benefits, free services, and financial strategies.

# data[].attributes.attachment_link.description
You can apply for help with rent or mortgage payments through 11 regional agencies that work with the state program RAFT (Residential Assistance for Families in Transition), including Wayfinders in Springfield, Metro Housing Boston, and Community Teamwork, Inc in Lowell. Each household will be eligible to apply for up to $4,000.

# data[].attributes.headline
Public Service Loan Forgiveness (PSLF) program info

# data[].attributes.subject
Public Service Loan Forgiveness (PSLF) program info

# data[].attributes.body
If you are working in public service such as government service (federal, U.S. Military, state, local, or tribal) or certain non-profit organizations, you might be eligible for the Public Service Loan Forgiveness (PSLF) Program. We have tools and resources to help you navigate through the public service loan forgiveness process.

# data[].attributes.attachment_link.readable_text
If you work or have worked in public service such as government service (federal, U.S. Military, state, local, or tribal) or certain non-profit organizations, you might be eligible for the Public Service Loan Forgiveness (PSLF) Program. We have tools and resources to help you navigate through the public service loan forgiveness process.

How do I qualify for Public Service Loan Forgiveness?

Getting PSLF will require your careful attention to detail. Here are some tips to achieve forgiveness as painlessly as possible.

Keep proof of your payments. Save your digital receipts or monthly statements-for every payment!

Keep in mind: Some borrowers have reported that their servicers' payment tallies do not match their personal records. Contact the servicer to try to resolve this issue. Submit a complaint with the CFPB or if you run into this problem.

CARES Act Payment Pause: Paused payments count toward PSLF as long as you meet all other qualifications. You will get credit as though you made monthly payments.

TIP: Deferments prior to 2013 and extended periods of forbearance will be automatically counted as qualifying payments. To request credit for shorter forbearances-less than 12 months in a row, or 36 months altogether-file a complaint with the FSA Ombudsman at .

Set a yearly reminder to do your paperwork. You will need to each year. We also recommend that you -the PSLF Help Tool will guide you to the form you'll need to complete and submit.

Includes firefighters, police officers, nurses, and other emergency service employees.

Other public service employees

Includes employees of any state, local, or tribal government, and of certain nonprofit agencies.

Staying on track while giving back

Servicing breakdowns can derail progress towards PSLF and potentially cause borrowers to pay hundreds or thousands of dollars more than necessary on their student loans. This report highlights complaints from borrowers trying to stay on track for loan forgiveness while working in public service.

# data[].attributes.attachment_link.title
Public Service Loan Forgiveness | Consumer Financial Protection Bureau

# data[].attributes.attachment_link.description
If you work or have worked in public service such as government service (federal, U.S. Military, state, local, or tribal) or certain non-profit organizations, you might be eligible for the Public Service Loan Forgiveness (PSLF) Program. We have tools and resources to help you navigate through the public service loan forgiveness process.

# data[].attributes.body
The Health Connector is our state’s health insurance Marketplace. It helps individuals, families, and small businesses find health insurance that meets their needs and fits their budget. The Health Connector offers “one-stop shopping” to easily find and compare private health insurance options from the state’s leading health and dental insurance companies. Some individuals and families may also qualify for a federal tax credit that lowers their monthly premium right away, as well as cost sharing reductions that can lower out-of-pocket expenses.

Check if you qualify here:
https://www.mahix.org/individual/prescreen/begin?zip=02721&county=&effectiveDate=05-01-2017&publicProgram=true&=Start+Now

# data[].attributes.body
RetireGuide is dedicated to providing the most up-to-date and accurate information about financial decisions that affect your retirement.

# data[].attributes.attachment_link.readable_text
Skip to main content

At RetireGuide, we're dedicated to providing the most up-to-date and accurate information about financial decisions that affect your retirement.
Connect With A Medicare Professional

Retirement Decisions Made Easy

Whether you are in the early stages of retirement planning or looking for ways to grow your retirement savings, we're here to help make those decisions easier.

Read Our Latest Featured Articles and Guides

RetireGuide's featured articles tackle controversial topics that impact retirees and their families. These in-depth articles address issues such as rising Medicare costs, mental health in the elderly and financial wellness.

Featured Guides

Our guides provide comprehensive information about a variety of retirement topics. These resources educate and empower you to reach your retirement goals.

Explore Our Tools and Resources

About Us

How We're Different

Our mission is to provide accurate, useful information to help you reach your retirement goals.

Sign Up for Our Newsletter

Get instant access to our latest in-depth guides covering important retirement topics.

# data[].attributes.attachment_link.title
Your Guide to a Better Retirement - RetireGuide.com

# data[].attributes.attachment_link.description
Skip to main content At RetireGuide, we're dedicated to providing the most up-to-date and accurate information about financial decisions that affect your retirement. Connect With A Medicare Professional Whether you are in the early stages of retirement planning or looking for ways to grow your retirement savings, we're here to help make those decisions easier.

# data[].attributes.body
VA housing assistance can help Veterans, service members, and their surviving spouses to buy a home or refinance a loan. We also offer benefits and services to help you build, improve, or keep your current home. Find out how to apply for and manage the Veterans housing assistance benefits you've earned.

# data[].attributes.attachment_link.title
VA housing assistance | Veterans Affairs

# data[].attributes.attachment_link.description
VA housing assistance can help Veterans, service members, and their surviving spouses to buy a home or refinance a loan. We also offer benefits and services to help you build, improve, or keep your current home. Find out how to apply for and manage the Veterans housing assistance benefits you’ve ear…

# data[].attributes.body
Tailored For Success, Inc. empowers job seekers to become economically self-sufficient by providing resources, skills training and supportive reinforcement.

# data[].attributes.attachment_link.readable_text
We

empower

Job seekers to overcome obstacles to employment and career advancement

Volunteers are needed in a variety of service areas, time commitments (i.e., one day or one project) and can be done individually or in a group setting. We have opportunities for both individual volunteers and company/group volunteers

Subscribe to our newsletter

Sign up to receive career navigation advice right in your inbox.

OUR

Tailored For Success, Inc. empowers job seekers to become economically self-sufficient by providing resources, skills training and supportive reinforcement.

# data[].attributes.attachment_link.title
Professional Development Skills | Tailored For Success | United States

# data[].attributes.attachment_link.description
We empower Job seekers to overcome obstacles to employment and career advancement Volunteers are needed in a variety of service areas, time commitments (i.e., one day or one project) and can be done individually or in a group setting.

# data[].attributes.attachment_link.provider_name
Parent Professional Advocacy League | The Massachusetts Family Voice for Children's Mental Health

# data[].attributes.attachment_link.readable_text
The PPAL Central MA office offers free support to families when children have emotional, behavioral or mental health needs. PPAL is staffed by family support professionals who have lived experience raising children with behavioral needs. We can offer support, suggest new strategies to move forward when families are stuck trying to access services through school or insurance, and connect you with other parents and family members.

# data[].attributes.attachment_link.title
PPAL Central MA Family Support | Parent Professional Advocacy League

# data[].attributes.attachment_link.description
The PPAL Central MA office offers free support to families when children have emotional, behavioral or mental health needs. PPAL is staffed by family support professionals who have lived experience raising children with behavioral needs.

# data[].attributes.attachment_link.description
Visit this page to find helpful resources to craft lessons plans, teach financial literacy skills, test your math skills or prepare a budget.

# data[].attributes.body
Properties are sold or leased in conjunction with State sponsored affordable housing programs and have income and asset limitations.

# data[].attributes.attachment_link.readable_text
We are pleased to help in your search for quality, affordable homes in Eastern Massachusetts. We represent developers and landlords to aid in matching you to homes "for sale" which generally range from $175,000 to $275,000 and apartments generally renting from $1,300 per month and up (pending property location and size). Our properties are sold or leased in in conjunction with State sponsored affordable housing programs and have income and asset limitations.

The individual property tabs outline requirements for the individual properties. Please take the time to review our listings to see if we offer something which may meet your needs. We suggest you become a Member by joining our Email List to receive regular updates of new for sale and rental offerings.

Let MCO Housing Services, LLC be your resource for affordable housing. Make this the one site you visit often in your pursuit of an affordable home.

# data[].attributes.attachment_link.title
MCO Housing Services, your resource for Affordable Housing in Massachusetts

# data[].attributes.attachment_link.description
We are pleased to help in your search for quality, affordable homes in Eastern Massachusetts. We represent developers and landlords to aid in matching you to homes "for sale" which generally range from $175,000 to $275,000 and apartments generally renting from $1,300 per month and up (pending property location and size).

# data[].attributes.body
The Volunteer Income Tax Assistance (VITA) program offers free tax help to people who generally make $57,000 or less, including persons with disabilities, the elderly and limited English speaking taxpayers who need assistance in preparing their own tax returns. IRS-certified volunteers provide free basic income tax return preparation with electronic filing to qualified individuals.

VITA sites help thousands of people living with low incomes each year access tax credits that can add up to over $8,000.

VITA volunteers are trained to access the Earned Income Tax Credit (EITC) and other tax credits to allow taxpayers to pay bills, cover essential needs (rent, utilities, food, etc.), save and plan for the future.  Community Action Agency VITA sites also are able to link taxpayers to other critical services that strengthen families.

# data[].attributes.attachment_link.readable_text
IMPORTANT UPDATE

Federal Tax Deadline is April 18, 2023.

MA Tax Deadline is April 18, 2023.

Agency VITA sites will operate with a combination of in person, remote and drop off as well as online procedures to keep everyone safe while optimizing service.

Agency VITA sites are working with both those who have not filed in the past and taxpayers to access the recovery rebate credit.

The Volunteer Income Tax Assistance (VITA) program offers free tax help to people who generally make $60,000 or less, including persons with disabilities, the elderly and limited English speaking taxpayers who need assistance in preparing their own tax returns. IRS-certified volunteers provide free basic income tax return preparation with electronic filing to qualified individuals.

VITA sites help thousands of people living with low incomes each year access tax credits that can add up to over $8,000.

VITA volunteers are trained to access the Earned Income Tax Credit (EITC) and other tax credits to allow taxpayers to pay bills, cover essential needs (rent, utilities, food, etc.), save and plan for the future. Community Action Agency VITA sites also are able to link taxpayers to other critical services that strengthen families.
Learn more about how VITA changes lives.
Watch our appearance on Money Talks: Tax Assistance with the VITA program
Watch Video Find an Agency to Get Started

What is VITA?

Who can Apply?

Can I file on my own?

Filing Jointly

Single, Head of Household, Widowed or Married Filing Separately

Where Should I Apply?
Show all VITA locations
Spread the Word

Share this Page on Social Media

# data[].attributes.attachment_link.title
Free Tax Prep in Massachusetts - MASSCAP

# data[].attributes.attachment_link.description
IMPORTANT UPDATE Federal Tax Deadline is April 18, 2023. MA Tax Deadline is April 18, 2023. Agency VITA sites will operate with a combination of in person, remote and drop off as well as online procedures to keep everyone safe while optimizing service.

# data[].attributes.body
ABLE (Achieving a Better Life) Accounts, are tax-advantaged savings accounts for individuals with a disability that started before the age of 26. Funds in an ABLE account, up to $100,000, do not count as a resource for means tested public benefits (such as SSI, Medicaid, FAFSA, HUD, and SNAP (food stamps))

# data[].attributes.attachment_link.title
What are ABLE Accounts? - ABLE National Resource Center

# data[].attributes.attachment_link.description
About ABLE Accounts Living with a disability is often associated with significant amounts of extra costs. That’s why individuals and families can now contribute to ABLE accounts — tax-advantaged savings accounts that can fund disability expenses. 10 Things You Should Know… 1 What is an ABLE account?…

# data[].attributes.attachment_link.readable_text
Series I savings bonds, or "I bonds" for short, come with guarantees, tax-deferred inflation-adjusted interest, and, after one year, liquidity. They could be one of the best cash investments you ever make.

Key Takeaways

I Bonds Can Supplement Your Emergency Fund

I bonds make a great second-tier emergency fund. They're second-tier, because you can't sell them within the first 12 months of purchase, so you need other liquid funds to rely on while you build up a stash of I bonds.

The most you can buy is $15,000 per person, per year-that's up to $10,000 in electric I bonds and up to $5,000 in paper I bonds using your federal income tax refund. You can open an account directly with the Treasury Department through the TreasuryDirect website. There's a $25 minimum for electric bonds and a $50 minimum for paper bonds.

Interest earned on I bonds consists of both a fixed interest rate and an inflation rate. The fixed rate stays the same for the life of the bond, while the inflation rate is set twice a year. For example, new I bonds issued between November 2021 and April 2022 have a combined interest rate of 7.12%. That rate would apply for the first six months that the I bond is owned. Interest is compounded semiannually and is tax-deferred.

Where else can you get guaranteed tax-deferred interest on a safe and liquid investment while knowing that if interest rates go up, yours will also likely go up? That is what makes I bonds an excellent choice for a safe cash investment.

If you want and can afford it, you can build up a significant holding of I bonds by buying the maximum amount of I bonds each and every year.

I Bonds Can Fund Future Health Care Premiums

Health care premiums and out-of-pocket costs could run you up to $300,000 during retirement. Depending on your age and the number of years until you plan to retire, I bonds could give you safe, guaranteed, inflation-adjusted investments available to cover medical costs in retirement.

How to Buy I Bonds

You can open an account line with TreasuryDirect, link it to your bank account, and transfer money to buy the maximum amount of I bonds each year. You can purchase paper I bonds directly with your tax refund each year.

TIPS vs. I Bonds

TIPS bonds (Treasury inflation-protected securities) are different from I bonds. Unlike I bonds, the interest on TIPS is not tax-deferred, so this vehicle may be best owned inside tax-deferred accounts like an individual retirement account (IRA) or Roth IRA. Unfortunately, you can't open an IRA account directly at TreasuryDirect, so TIPS in your IRA must be purchased through a brokerage account.

Tax Treatment of I Bonds

The taxable income on Series I bonds can be deferred until the time of redemption. With bonds that have been held for decades, it can add up. If the proceeds are used for higher education expenses, the bond can be excluded from taxable income. Otherwise, the interest you earn on your I bond is subject to federal income taxes; federal estate, gift, and excise taxes; and any state estate or inheritance taxes.

Frequently Asked Questions (FAQs)

How can I find out how much my bonds are worth?

You can use the TreasuryDirect website to calculate the value of your savings bonds. If you have electronic bonds, simply log into your account and look up any current bonds you own. For paper bonds, you can use the online calculator to enter your bond information and find out what it's currently worth.

How long does it take for a Series I Savings Bond to mature?

An I bond matures for 30 years or until you redeem it, whichever comes first. It will accrue interest as long as it is maturing. You can redeem the bond after you've had it for 12 months. However, if you redeem it before it's five years old, you will pay a penalty worth the last three months of interest.

How do I cash in my savings bonds?

You can cash electronic bonds on the TreasuryDirect website and have the income directly deposited into your checking or savings account. If you have paper bonds, you can take them to your bank to cash or mail them to Treasury Retail Securities Services, along with FS Form 1522.

The Balance does not provide tax, investment, or financial services and advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal.

# data[].attributes.attachment_link.title
Are I Bonds the Safest Investment for Your Portfolio?

# data[].attributes.attachment_link.description
Series I savings bonds, or "I bonds" for short, come with guarantees, tax-deferred inflation-adjusted interest, and, after one year, liquidity. They could be one of the best cash investments you ever make. I bonds make a great second-tier emergency fund.

# data[].attributes.body
Whether to buy or rent a house while serving in the military

How to leverage special savings opportunities exclusive to military families

How the military relief societies can help when you’re in need

How to financially plan for a Permanent Change of Station

How to spot military affinity marketing and scams

# data[].attributes.attachment_link.title
Your Money, Your Goals: Companion guides | Consumer Financial Protection Bureau

# data[].attributes.attachment_link.description
Download guides that support the YMYG toolkit by helping you contextualize the money conversation to the unique needs of specific populations.

# data[].attributes.attachment_link.description
reacHIRE puts action behind company gender diversity goals and creates meaningful opportunities for professionals who are looking to return to the workforce. reacHIRE's Aurora platform helps companies drive engagement, belonging, and retention of their female talent. Through team-based Returnship programs tailored to meet a company's culture and business needs, reacHIRE delivers the highest retention rate of any Return-to-Work program.

# data[].attributes.body
All items free, search by town

# data[].attributes.attachment_link.readable_text
Welcome to The Freecycle Network™! We are a grassroots & entirely nonprofit movement of people who are giving and getting stuff for free in their own Towns. It's all about reuse and keeping good stuff out of landfills. Membership is free. And now you can also set up your own, smaller personal Friends Circle for gifting and lending of items with just your friends! Sign up now.

# data[].attributes.attachment_link.description
Welcome to The Freecycle Network™! We are a grassroots & entirely nonprofit movement of people who are giving and getting stuff for free in their own Towns. It's all about reuse and keeping good stuff out of landfills. Membership is free.

# data[].attributes.body
https://www.annualcreditreport.com/index.action

# data[].attributes.attachment_link.readable_text
During the COVID-19 pandemic, accessing your credit is important. That's why Equifax, Experian and TransUnion are continuing to offer free weekly online credit reports. Request your free credit reports

Spot identity theft early. Review your credit reports.

Suspicious activity or accounts you don't recognize can be signs of identity theft. Review your credit reports to catch problems early.

You've found your dream house. Are your credit reports ready?

People with good credit should check their credit reports too. Regular checks ensure the information stays accurate. Your good credit will be ready when you need it.

Don't be fooled by look-alikes.

Lots of sites promise credit reports for free. AnnualCreditReport.com is the only official site explicitly directed by Federal law to provide them.

There's more to the game than a score.

How you play changes your score. Details such as how much credit you have, how much you owe, and how often you pay affect your credit scores. Do you know what else does?

One of these things is not like the others.

You may think you have one credit report and one credit score. But you really have several, and they may differ. You should check all three reports regularly.

You've found your dream house. Are your credit reports ready?

People with good credit should check their credit reports too. Regular checks ensure the information stays accurate. Your good credit will be ready when you need it.

Learn what to look for

Your credit reports matter.

Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application.

Reviewing credit reports helps you catch signs of identity theft early.

Request your free credit reports
FREE Credit Reports. Federal law allows you to:

Get a free copy of your credit report every 12 months from each credit reporting company.

Ensure that the information on all of your credit reports is correct and up to date.

Request your free credit reports

# data[].attributes.attachment_link.description
During the COVID-19 pandemic, accessing your credit is important. That's why Equifax, Experian and TransUnion are continuing to offer free weekly online credit reports. Request your free credit reports Suspicious activity or accounts you don't recognize can be signs of identity theft. Review your credit reports to catch problems early.

# data[].attributes.body
Down payment assistance and other forms of financial assistance are available for first-time homebuyers throughout Massachusetts. Here are organizations you can reach out to for help.

# data[].attributes.attachment_link.readable_text
Down payment assistance and other forms of financial assistance are available for first-time homebuyers throughout Massachusetts. Here are organizations you can reach out to for help.

Your search parameters found 0 results. Please widen your search area or change your language preference.

# data[].attributes.attachment_link.description
Down payment assistance and other forms of financial assistance are available for first-time homebuyers throughout Massachusetts. Here are organizations you can reach out to for help. Your search parameters found 0 results. Please widen your search area or change your language preference.

# data[].attributes.attachment_link.readable_text
We are neutral third party mediators who facilitate conversation, build understanding, and overcome impasse in order to end conflict. We help parties craft durable agreements based on what matters most to them.

We train community members and organizations in the skills of conflict resolution, equipping them with the tools to improve relationships and increase efficiency.

We serve residents and businesses throughout MetroWest Massachusetts, including the towns of Acton, Ashland, Bedford, Carlisle, Concord, Framingham, Hopkinton, Hudson, Lexington, Lincoln, Marlboro, Maynard, Natick, Sherborn, Stow, Sudbury, and Wayland.

# data[].attributes.attachment_link.description
We are neutral third party mediators who facilitate conversation, build understanding, and overcome impasse in order to end conflict. We help parties craft durable agreements based on what matters most to them. We train community members and organizations in the skills of conflict resolution, equipping them with the tools to improve relationships and increase efficiency.

# data[].attributes.body
Interesting stats, Gender specific sensitivities, and resource links

# data[].attributes.attachment_link.readable_text
Women In Recovery

5.7% of women have a substance use disorder in the United States, according to 2015 National Survey on Drug Use and Health (NSDUH) data.

According to NESARC data from that same year, 3% of American women suffer from a drug use disorder, while 10.4% suffer from an alcohol use disorder.

While men historically have been more likely to develop a substance use disorder, women also suffer in great numbers.

In recent years, the once large gap between the rates of overdose deaths for men, as compared to women, has been steadily closing. It is expected that the rates of overdose among women will continue to increase in the next couple of years.

48,000 women died from prescription pain reliever overdose from 1999 to 2010. However, in just a 5-year span from 2010 to 2015, over 50,000 women died from a drug overdose (excluding alcohol related deaths and causes).

Research has shown that women are more likely to have chronic pain, be prescribed prescription pain relievers by their doctors, be prescribed higher doses of pain relievers by their doctors, and use them for longer periods of time than men.

SOURCE: NIDA https://www.drugabuse.gov/related-topics/trends-statistics/overdose-death-rates

Like other demographic population subgroups, women in recovery may face unique barriers and distinctive issues from their male counterparts.
This is a result of both sex differences (e.g. biological differences between male and female bodies) and gender differences (e.g. societal or culturally constructed roles of masculinity and femininity).
BIOLOGICALLY,
substance use disorder in women progresses at a faster rate than men, and are more susceptible to craving and relapse. Physiological differences accelerate the progression of addiction, as women metabolize alcohol and drugs differently. Fewer stomach enzymes and more fatty tissue slow down the processing of alcohol and other drugs, causing the body to be exposed to higher concentrations of the substance longer.

CULTURALLY,
women have often experienced greater levels of stigmatization around substance use as a result of their traditional societal roles as gatekeepers, mothers, caregivers, and often the central organizing factor in their family units. With the integration of women into the mainstream workforce in most middle and high-income countries like the U.S., women have also begun consuming alcohol at intensities and frequencies that are quickly catching up to that of their male counterparts.

Women suffering from substance use disorder will have unique experiences and challenges, displaying different issues and needs that may be essential to address in order for them to achieve and maintain long-term recovery.
GENDER-SPECIFIC SENSITIVITIES:

STIGMA

The shame, blame, and guilt attached to addiction can be stronger for women, especially mothers. Women report higher levels of stigma than men, and stigma is a known barrier to treatment seeking.

Historically, substance use disorder in women was considered a selfish, moral failure, that resulted in intentional harm to the family, child, and in terms of placing a burden on society. More current categorizations of substance use disorder however, acknowledge addiction in women as a treatable medical condition that impairs decision-making and overall cognitive function.

TRAUMA

Compared to men, a higher percentage of women with substance use disorder have been the victims of physical, sexual, or verbal abuse. It is estimated that between 55% and 99% of women in addiction treatment have had traumatic experiences.
Learn more about: Trauma & Addiction

CO-OCCURRING DISORDERS

Women are more prone to depression, anxiety, and eating disorders than men. Almost 2x as many women experience depression as men. Postpartum depression in women who have recently given birth, is another co-occurring disorder worth noting.

Eating disorders are also common among women with substance use disorder.

Learn more about: Co-Occurring Disorders

GENDER INEQUALITIES

Women are more likely to experience economic barriers to treatment. Pay gaps, lower wages, less income, or the higher likelihood of women living in poverty prior to substance use disorder onset, can limit the financial resources available to seek services and treatment.

Providing comprehensive services and continuing care post-treatment (e.g. housing, transportation, education, and income support), is known to reduce substance use in both genders, but a higher number of women are in need of those services.

MOTHERHOOD

70% of women entering addiction treatment have children. Women entering treatment are more likely to have primary responsibility for their children, where as the majority of fathers entering addiction treatment have another primary caretaker (e.g. mother) available.

More generally, women are more likely than men to experience difficulties in attending regular treatment sessions because of family responsibilities, and cite being responsible for the child care as one of the biggest barriers to entering treatment.

Women with children may also be hesitant to seek treatment for fear of legal action and social service involvement.

Women with substance use disorder are more likely than men to face multiple barriers in accessing treatment, and are less likely than men to seek treatment. Women also are more likely to seek treatment in mental health or primary care settings rather than in specialized addiction treatment programs.
SU PPORTIVE MEASURES FOR WOMEN IN TREATMENT

SEXUAL HEALTHCARE

Sexual health services should be offered to women to address unique health risks, as part of normal comprehensive physical exams provided to patients. These services may include attention towards family planning, protection and sexually transmitted diseases, and fluctuating hormonal levels.

GENDER SPECIFIC

Due to the high number of women with a history of sexual abuse or body image issues, gender specific options such as housing, peer support groups, or same-sex provider and care teams may help facilitate a safe environment for the patient to focus on treatment and recovery.

Data from the 2005 National Survey of Substance Abuse Treatment Services revealed that 87% of sampled programs accepted women, but only 41% of these programs provided gender-specific programming or women-only groups.

SUPPORTIVE THERAPIES

Research has found that women enter addiction treatment with lower self-esteem than their male counterparts ( Beckman 1994). As a result, use of supportive therapies (e.g. empathy, connection, warmth) has been found to be more effective ( SAMHSA, 2009).

CHILDCARE

Women often have lack of access to child care services, discouraging attendance or even preventing treatment entry. By providing childcare supports, programs can help women enter and stay in treatment, allowing women to help themselves, and therefore help their children.

In 2003, only 8% of addiction treatment facilities provided child care.

LEGAL SUPPORT

Some programs may seek to offer legal support to assist mothers who have had their children removed by social services.

TRAININGS & WORKSHOPS

To address women-focused topics such as classes on parenting, job training, body image, housing, and financial independence.

CONTINUUM OF INTEGRATIVE FAMILY-BASED SERVICES

Werner, D., Young, N.K., Dennis, K, & Amatetti, S.. Family-Centered Treatment for Women with
Substance Use Disorders - History, Key Elements and Challenges. Department of Health and Human
Services, Substance Abuse and Mental Health Services Administration, 2007.

RESOURCES FOR WOMEN

CITATIONS

Research Summaries

Additional Citations

Alexander, K. (2017). A Call for Compassionate Care. Journal of addictions nursing, 28(4), 220-223.

Ashley, O. S., Marsden, M. E., & Brady, T. M. (2003). Effectiveness of substance abuse treatment programming for women: A review. The American journal of drug and alcohol abuse, 29(1), 19-53.

Bateman, B. T., Hernandez-Diaz, S., Rathmell, J. P., Seeger, J. D., Doherty, M., Fischer, M. A., & Huybrechts, K. F. (2014). Patterns of opioid utilization in pregnancy in a large cohort of commercial insurance beneficiaries in the United States. Anesthesiology: The Journal of the American Society of Anesthesiologists, 120(5), 1216-1224.

Brady, T. M., & Ashley, O. S. (2005). Women in substance abuse treatment: Results from the Alcohol and Drug Services Study (ADSS). Department of Health and Human Services, Substance Abuse and Mental Health Services Administration, Office of Applied Studies.

Canidate, S.S., Carnaby, G.D., Cook, C.L., & Cook, R.L. (2017). A systematic review of naltrexone for attenuating alcohol consumption in women with alcohol use disorders. Alcoholism: Clinical and Experimental Research, Mar; 41(3), 466-472. doi: 10.1111/acer.13313.

Center for Substance Abuse Treatment. Substance Abuse Treatment: Addressing the Specific Needs of Women. Rockville (MD): Substance Abuse and Mental Health Services Administration (US); 2009. (Treatment Improvement Protocol (TIP) Series, No. 51.) Chapter 7: Substance Abuse Treatment for Women.

Conway, K. P., Compton, W., Stinson, F. S., & Grant, B. F. (2006). Lifetime comorbidity of DSM-IV mood and anxiety disorders and specific drug use disorders: results from the National Epidemiologic Survey on Alcohol and Related Conditions. The Journal of clinical psychiatry.

Desai, R. J., Hernandez-Diaz, S., Bateman, B. T., & Huybrechts, K. F. (2014). Increase in prescription opioid use during pregnancy among Medicaid-enrolled women. Obstetrics and gynecology, 123(5), 997.

Greenfield, S. F., Back, S. E., Lawson, K., & Brady, K. T. (2010). Substance Abuse in Women. The Psychiatric Clinics of North America, 33(2), 339-355. http://doi.org/10.1016/j.psc.2010.01.004

Green, C. A. (2006). Gender and use of substance abuse treatment services. Alcohol Research and Health: NIAAA Publication, 29(1), 55.

Greenfield, S. F., Cummings, A. M., Kuper, L. E., Wigderson, S. B., & Koro-Ljungberg, M. (2013). A qualitative analysis of women's experiences in single-gender versus mixed-gender substance abuse group therapy. Substance use & misuse, 48(9), 750-760.

Hill, P. E. (2013). Perinatal addiction: Providing compassionate and competent care. Clinical obstetrics and gynecology, 56(1), 178-185.

Hudson, J. I., Hiripi, E., Pope, H. G., & Kessler, R. C. (2007). The prevalence and correlates of eating disorders in the National Comorbidity Survey Replication. Biological psychiatry, 61(3), 348-358.

Jones, H.E., Deppen, K., Hudak, M. L., Leffert, L., McClelland, C., Sahin, L., Starer, J., Terplan, M., Thorp, J., Walsh, J., Creanga, A. A. (2014). Clinical care for opioid-using pregnant and postpartum women: The role of obstetric providers. American Journal of Obstetrics & Gynecology, 210(4), 302-310.

Kelly, J. F., Greene, M. C., & Bergman, B. G. (2018). Beyond Abstinence: Changes in Indices of Quality of Life with Time in Recovery in a Nationally Representative Sample of US Adults. Alcoholism: Clinical and Experimental Research.

King, P. A. L., Duan, L., & Amaro, H. (2015). Clinical Needs of In-treatment Pregnant Women with Co-occurring Disorders: Implications for Primary Care. Maternal and child health journal, 19(1), 180-187.

Marsh, J. C., Cao, D., & D'Aunno, T. (2004). Gender differences in the impact of comprehensive services in substance abuse treatment. Journal of Substance Abuse Treatment, 27(4), 289-300.

Meyer, M. C., Johnston, A. M., Crocker, A. M., & Heil, S. H. (2015). Methadone and Buprenorphine for Opioid Dependence During Pregnancy: A Retrospective Cohort Study. Journal of addiction medicine.

Milligan, K., Niccols, A., Sword, W., Thabane, L., Henderson, J., Smith, A., & Liu, J. (2010). Maternal substance use and integrated treatment programs for women with substance use issues and their children: A Meta-analysis. Substance Abuse Treatment, Prevention, and Policy, 5, 21-35.

Niccols, A., Milligan, K., Sword, W., Thabane, L., Henderson, J., & Smith, A. (2012). Integrated programs for mothers with substance abuse issues: A systematic review of studies reporting on parenting outcomes. Harm reduction journal, 9(1), 14.

Niccols, A., Milligan, K., Sword, W., Thabane, L., Henderson, J., Smith, A., Liu, J., & Jack, S. (2010). Maternal mental health and integrated programs for mothers with substance abuse issues. Psychology of Addictive Behaviors, 24(3), 466-474.

O'connor, A. B., Collett, A., Alto, W. A., & O'brien, L. M. (2013). Breastfeeding rates and the relationship between breastfeeding and neonatal abstinence syndrome in women maintained on buprenorphine during pregnancy. Journal of midwifery & women's health, 58(4), 383-388.

Persons, A. T. E. (2009). Trauma, post traumatic stress disorder, and addiction among women. Women and addiction: A comprehensive handbook, 242.

Raeside, L. (2003). Attitudes of staff towards mothers affected by substance abuse. British journal of nursing, 12(5), 302-310.

Robinowitz, N., Muqueeth, S., Scheibler, J., Salisbury-Afshar, E., Terplan, M. (2016). Family planning in substance use disorder treatment centers: Opportunities and challenges. Substance Use & Misuse, 51(11), 1477-1483. http://dx.doi.org/10.1080/10826084.2016.1188944

Secco, L., Letourneau, N., Campbell, M. A., Craig, S., & Colpitts, J. (2014). Stresses, strengths, and experiences of mothers engaged in methadone maintenance treatment. Journal of addictions nursing, 25(3), 139-147.

Sinha, R. (2001). How does stress increase risk of drug abuse and relapse?. Psychopharmacology, 158(4), 343-359.

Substance Abuse Treatment for Persons With Co-Occurring Disorders. Rockville (MD): Substance Abuse and Mental Health Services Administration (US); 2013. (Treatment Improvement Protocol (TIP) Series, No. 42)

Traube, D. E., He, A. S., Zhu, L., Scalise, C., & Richardson, T. (2015). Predictors of Substance Abuse Assessment and Treatment Completion for Parents Involved with Child Welfare: One State's Experience in Matching across Systems. Child Welfare, 94(5), 45-66.

Tyrlik, M., Konecny, S., & Kukla, L. (2013). Predictors of Pregnancy-Related Emotions. Journal of Clinical Medicine Research, 5(2), 112-120. http://doi.org/10.4021/jocmr1246e

Van Boekel, L. C., Brouwers, E. P., Van Weeghel, J., & Garretsen, H. F. (2013). Stigma among health professionals towards patients with substance use disorders and its consequences for healthcare delivery: systematic review. Drug & Alcohol Dependence, 131(1), 23-35.

Welle‐Strand, G. K., Skurtveit, S., Jansson, L. M., Bakstad, B., Bjarkø, L., & Ravndal, E. (2013). Breastfeeding reduces the need for withdrawal treatment in opioid‐exposed infants. Acta Paediatrica, 102(11), 1060-1066.

Wilsnack SC. Barriers to treatment for alcoholic women. Addiction and Recovery. 1991;11(4):10-12.

# data[].attributes.attachment_link.description
5.7% of women have a substance use disorder in the United States, according to 2015 National Survey on Drug Use and Health (NSDUH) data. According to NESARC data from that same year, 3% of American women suffer from a drug use disorder, while 10.4% suffer from an alcohol use disorder.

# data[].attributes.headline
Financial Ed Learning Game for Service Members

# data[].attributes.subject
Financial Ed Learning Game for Service Members

# data[].attributes.attachment_link.description
Misadventures in Money Management helps people improve their financial literacy and financial choices through an interactive graphic novel experience.

# data[].attributes.attachment_link.readable_text
About Tech Goes Home

Who We Are

Founded in 2000, Tech Goes Home (TGH) empowers communities to access and use digital tools to overcome barriers and advance lives. Our programs focus on serving people and communities who face systemic barriers to technology adoption.

# data[].attributes.attachment_link.title
Tech Goes Home | Digital Equity | Training, Access, Technology

# data[].attributes.attachment_link.description
About Tech Goes Home Who We Are Founded in 2000, Tech Goes Home (TGH) empowers communities to access and use digital tools to overcome barriers and advance lives. Our programs focus on serving people and communities who face systemic barriers to technology adoption.

# data[].attributes.body
All items free, search by town

# data[].attributes.attachment_link.readable_text
You may note that many Facebook groups are transitioning to the app and you'll see them marked as such in our list of communities.
If you are looking for a community hosted outside of our app, hopefully, your community has been shared with us so we can help you locate your community. Under the BuyNothing Umbrella, there are communities on a variety of platforms.

The embedded link on the list, below, will take you directly to a social media platform, such as Facebook. From there, you'll want to follow the directions from that platform. If you're having trouble gaining access to any of the communities on this list, contact the person/people listed in that community's description, as they are the only ones who will be able to help you. Each community is independent and locally-led.

Want to Build a New Buy Nothing Gift Economy? Visit this page for more information about all of the ways you can use our freely-given resources to bring your vision to life.

Please know that our BuyNothing app is open for everyone to instantly join, so you do not need Facebook or any other social media app to participate.

# data[].attributes.attachment_link.description
You may note that many Facebook groups are transitioning to the app and you'll see them marked as such in our list of communities.If you are looking for a community hosted outside of our app, hopefully, your community has been shared with us so we can help you locate your community.

# data[].attributes.body
Axuda, a nonprofit that provides interest-free loans for people in need. If you're short on funds and would like to explore a short-term interest-free loan, reach out to Budget Buddies at info@budgetbuddies.org and we can connect you with Axuda!

https://www.axuda.org/Default.aspx#whatItIs

# data[].attributes.body
Search programs by town

# data[].attributes.attachment_link.provider_name
HUD.gov / U.S. Department of Housing and Urban Development (HUD)

# data[].attributes.attachment_link.description
U.S. Department of Housing and Urban Development

# data[].attributes.attachment_link.readable_text
You selected our do it yourself option. We'll provide the tools so you can file yourself.

This is the right option for you if:

You are only filing for 2021 (not previous years)

You're comfortable using online tax services

Your tax situation is simple/straightforward

You need a quick option

# data[].attributes.attachment_link.title
File your taxes yourself! | GetYourRefund

# data[].attributes.attachment_link.description
You selected our do it yourself option. We'll provide the tools so you can file yourself. This is the right option for you if: You are only filing for 2021 (not previous years) You're comfortable using online tax services Your tax situation is simple/straightforward You need a quick option

# data[].attributes.body
The SSI program provides monthly payments to adults and children with a disability, and people age 65 and older, who have income and resources below specific financial limits.

# data[].attributes.attachment_link.readable_text
What is Supplemental Security Income?

Supplemental Security Income (SSI) is a Federal income supplement program funded by general tax revenues (not Social Security taxes):

It is designed to help aged, blind, and disabled people, who have little or no income; and

It provides cash to meet basic needs for food, clothing, and shelter.

Recently Updated

Am I eligible for SSI benefits?
This link will take you to the Benefit Eligibility Screening Tool. By taking 5 to 10 minutes to answer a few questions, you can find out if you are eligible for SSI or other benefits. (See also more detailed information on SSI Eligibility Requirements.)

How may I apply for SSI benefits?

Take this link to a summary about the SSI Application Process and Applicant Rights.

If you believe you or someone you know may be eligible for SSI, you can use the link below to assist you in requesting an appointment. The online process takes about 5-10 minutes and no documentation is required at this time. We will need basic information about you and, if applicable, the person you are assisting.

Information we need:

Name, date of birth, and Social Security number of the individual interested in SSI.

Mailing address and phone number for the individual interested in SSI.

Your name and phone number if you are assisting another individual.

Optional: Email address for the individual interested in SSI

Once you have successfully completed the online process, a Social Security representative will schedule the appointment. We will send an appointment confirmation to the individual interested in SSI by mail, email, or both. In some cases, a Social Security Administration (SSA) representative may contact you by phone to schedule the appointment.

If you are assisting an individual who is not your minor child with the appointment request, please inform the individual that an SSA representative will be contacting them by phone to discuss their interest in SSI benefits.
Request an SSI Appointment
If you are not able to complete the request using the link above, you may schedule an appointment by phone by calling 1-800-772-1213 (TTY 1-800-325-0778) from 8:00 a.m. to 7:00 p.m., Monday through Friday. You may also contact your local Social Security office. You can find the phone number for your local office by using our Field Office Locator.

Help for Beneficiaries
Who Return to Work

If you already get benefits and are thinking about returning to work, please check out this link to a summary about SSI Work Incentives.

Income Reporting

If you receive SSI for yourself or someone else, check out this link to a chart with detailed instructions regarding income reporting for SSI recipients.

General Information
When you use the link to General Information, you will come to our list of published pamphlets and fact sheets about SSI. Some of these publications are in different formats. Some are also available in both English and Spanish languages.

Understanding SSI

The Understanding SSI booklet provides comprehensive general information about SSI eligibility requirements and processes. Written especially for SSI advocates, but also useful for the general public, it addresses a broad range of topics, from applying for benefits to reporting events that may change the payment of benefits. Please check out its "Table of Contents" for a list of these topics.

SSI Spotlights
SSI Spotlights are a series of 27 fact sheets about a variety of SSI topics, e.g., living arrangements, and are designed to supplement the guidelines in Understanding SSI (see above). You may link directly to each of the spotlights, or you may link to them from the text of the guidelines.

In addition, Spanish versions of the spotlights are available at Puntos Importantes de Seguridad de Ingreso Suplementario (SSI).

Social Security Handbook
This is a link to Chapter 21 of the Social Security Handbook which contains material about SSI organized in question and answer format so that you can find the information you need quickly and easily.

SSI Law and Regulations
Go to our page on SSI Law and Regulations to find out which parts of the Social Security Act and the Code of Federal Regulations for the Social Security Administration are used to administer the SSI program.

Resources for Advocates and the General Public
Check the links on our SSI Resources page for information on how to find the nearest Social Security office, how to obtain a proof of income letter, etc.

SSI Eligibility Notices

We routinely send notices to people who already receive benefits from us to let them know they may be eligible for another type of benefit and they should contact us and apply. From December 2020 through June 2022, we are sending notices to certain people who already receive Social Security benefits to let them know they may be eligible for Supplemental Security Income (SSI) benefits. If people who receive the notice have an E-mail address registered with us, they may also receive an E-mail. The SSI program provides monthly payments to adults and children who have low income and resources, and who are blind or disabled. The SSI program also provides monthly payments to people age 65 and older who have low income and resources.

We established a dedicated phone line with a team of specialized employees to help people who receive this notice. These employees are SSI experts who can answer questions and help callers apply for SSI.

# data[].attributes.attachment_link.description
What is Supplemental Security Income? Supplemental Security Income (SSI) is a Federal income supplement program funded by general tax revenues (not Social Security taxes): It is designed to help aged, blind, and disabled people, who have little or no income; and It provides cash to meet basic needs for food, clothing, and shelter.

# data[].attributes.headline
Disabled Veterans and the Fair Housing Act

# data[].attributes.subject
Disabled Veterans and the Fair Housing Act

# data[].attributes.attachment_link.readable_text
What do you need to know about the Fair Housing Act when applying for a VA home loan? Fair Housing laws were enacted to protect house hunters from discrimination. Basically it's illegal to deny a loan or housing to someone for non-financial reasons such as race, religion, family status, sexual orientation, gender, perceived gender, handicap, or other non-financial issues.

What You Need To Know About The Fair Housing Act

The Fair Housing Act is a federal law that specifically prohibits discrimination in any stage of the housing process for the following reasons:

race or color

religion

sex

national origin

familial status or lack thereof

disability

These rules apply to all stages of the housing process-not just the VA home loan process-and you should know that it is a violation of federal law to be denied a loan, the purchase of a home, the rental of a living unit, lease renewal or any other aspect of housing based on the criteria above.

And that's not all. Fair Housing Act laws even apply to the advertising of housing and housing-related products.

In 2019, NPR Morning Edition published an article describing a case brought by the federal government against Facebook, alleging that it violated Fair Housing laws by allowing advertisers to target certain segments of the population and exclude others on the basis of demographic data which could include race, national origin, and other aspects protected under the Fair Housing Act.

VA home loans enjoy the same Fair Housing law protections as any other type of mortgage loan, and military members looking for housing should not, under the law, be discriminated against for being "single soldier parents" or having a family with or without being legally married, etc.

What Fair Housing Laws Forbid

Whether you are buying a home using a VA mortgage, an FHA home loan, USDA, or conventional mortgage, the Department of Housing and Urban Development (HUD) reminds that it is considered a violation of federal law to do any of the following on the grounds of race, color, religion, sex, disability, familial status, or national origin:

Refuse to rent housing

Refuse to sell housing

Refuse to negotiate for housing

Otherwise make housing unavailable

Set different terms, conditions or privileges for sale or rental of a dwelling

Provide "different housing services or facilities" than offered to others

Falsely deny that housing is available for inspection, sale or rental

Create any notice, statement or advertisement about the sale or rental of a dwelling that indicates preference, limitation, or discrimination

Use different qualification criteria or applications, or sale or rental standards

Limit privileges, services or facilities of a dwelling

Discourage the purchase or rental of a dwelling

Assign a person to a particular building or neighborhood or section of a building or neighborhood

For profit, persuade, or try to persuade, homeowners to sell their homes by suggesting that people of a particular protected characteristic are about to move into the neighborhood (blockbusting)

Disabled Veterans And The Fair Housing Act

Disabled veterans cannot be discriminated against because of their disability when seeking housing whether renting, buying with a VA mortgage, or purchasing in some other way. It is both illegal to refuse to rent or sell to a disabled person, and it is also illegal to refuse to make a reasonable accommodation for the disabled applicant, renter, buyer, etc. But that's not all.

If you want to purchase a home with VA mortgage, you cannot be discriminated against for your disabilities in any stage of the process including viewing, inspecting, or otherwise having access to the property as a prospective buyer or renter.

If the seller or renter refuses a reasonable accommodation to the veteran, this may be legally actionable under Fair Housing laws. You can't be denied housing because a reasonable accommodation may be required, and you cannot refuse reasonable accommodations being made to make the home more accessible to the disabled renter, borrower, buyer, etc.

As mentioned above, the seller, lender, real estate agent, or any other party to the housing transaction cannot discourage the disabled applicant from applying on the basis of non-financial qualifications such as disability.

Even the simple statement "You know this building isn't ADA-compliant" might be considered a violation of federal law as a type of prohibited discouragement. Know your rights and don't assume even the most minor infractions won't be acted upon if reported to the federal government.

How The Fair Housing Act Applies

Most housing is covered under the Fair Housing Act, but not all. Whether you are buying or renting, using a VA mortgage loan application or not, there are some nuances to the Fair Housing Act you should know about.

For starters, there are some circumstances described by HUD as being "very limited" where Fair Housing laws do not apply including "owner-occupied buildings with no more than four units, single-family houses sold or rented by the owner without the use of an agent, and housing operated by religious organizations and private clubs that limit occupancy to members".

Report Violations Of The Fair Housing Act

If you experience discrimination while trying to buy a home with a VA mortgage, you should report it immediately to your nearest VA office. You will need to submit VA Form 26-8827 to report the discrimination and the local VA office will be responsible for investigating your problem.

But don't stop there-unless otherwise directed by the VA rep, also file your complaint to the Department of Housing and Urban Development Office of Fair Housing and Equal Opportunity at (800) 669-9777. You can also file a complaint at the HUD official site. Access for the hearing impaired is available to file a complaint via the Federal Relay Service at (800) 877-8339.
Joe Wallace is a 13-year veteran of the United States Air Force and a former reporter for Air Force Television News

# data[].attributes.attachment_link.description
What do you need to know about the Fair Housing Act when applying for a VA home loan? Fair Housing laws were enacted to protect house hunters from discrimination. Basically it's illegal to deny a loan or housing to someone for non-financial reasons such as race, religion, family status, sexual orientation, gender, perceived gender, handicap, or other non-financial issues.

# data[].attributes.body
Free or discounted admissions to many of the Commonwealth's museums and cultural institutions for EBT card holders.

# data[].attributes.attachment_link.readable_text
The Department of Transitional Assistance (DTA) has partnered with Mass Cultural Council to offer free or discounted admissions to many of the Commonwealth's museums and cultural institutions through the EBT Card to Culture Program.

Residents who receive DTA benefits can get discounted admission by showing their EBT card. Through 2022, these organizations are also acceptingRead these Frequently Asked Questions for more information.

Below is a list of organizations participating in the EBT Card to Culture program.

Note: hours or services may differ due to Covid-19. Please contact the organization for more information. The discounts listed below are valid until December 31, 2022.

# data[].attributes.attachment_link.description
The Department of Transitional Assistance (DTA) has partnered with Mass Cultural Council to offer free or discounted admissions to many of the Commonwealth's museums and cultural institutions through the EBT Card to Culture Program. Residents who receive DTA benefits can get discounted admission by showing their EBT card.

# data[].attributes.headline
Adecco - Temporary, Temp-Perm, Direct hire jobs

# data[].attributes.subject
Adecco - Temporary, Temp-Perm, Direct hire jobs

# data[].attributes.attachment_link.title
Temporary, Temp to Hire, and Direct Hire Jobs Remote and In Person throughout the U.S. | Adecco

# data[].attributes.attachment_link.description
Looking for a job? Adecco staffing agency is looking for candidates like you for staffing job opportunities, temporary, direct hire, and remote - submit your resume now.

# data[].attributes.body
Coaching/consulting, microlending, support for small businesses

# data[].attributes.body
Paying for College & Repaying Student Debt

# data[].attributes.attachment_link.readable_text
Not sure what your offer means for your future? This tool helps you make a plan to pay for costs that your offer doesn't cover. If you're looking at student loans, it helps you decide how much you can afford to borrow. We also break down confusing jargon, give money saving tips, and point out pitfalls to be aware of.

Get to know your rights and responsibilities as a student loan holder. Investigate options for your specific situation, including income-based repayment, loan forgiveness, and consolidation loans.

If you're considering student loans to help you pay for school, you're not alone - many students need loans to cover their full cost of attendance. If you have to take out student loans, comparing your options can help you find the student loan best suited for your needs.

Unlike that first school ID photo, your first banking relationship could last long after you graduate. Making a smart decision now will mean fewer surprise fees that can add up later.

We teamed up with the Department of Education to create the financial aid shopping sheet to help students more easily understand and compare different financial aid packages.

# data[].attributes.attachment_link.title
Paying for college | Consumer Financial Protection Bureau

# data[].attributes.attachment_link.description
Not sure what your offer means for your future? This tool helps you make a plan to pay for costs that your offer doesn't cover. If you're looking at student loans, it helps you decide how much you can afford to borrow.

# data[].attributes.body
Merrimack Valley

# data[].attributes.headline
Legal Assistance/Lawyer for a Day (Free)

# data[].attributes.subject
Legal Assistance/Lawyer for a Day (Free)

# data[].attributes.attachment_link.description
There are many resources available for court users looking for legal help and professionals offering services.

# data[].attributes.headline
Supplemental Nutrition Assistance Program (SNAP)

# data[].attributes.subject
Supplemental Nutrition Assistance Program (SNAP)

# data[].attributes.body
SNAP provides benefits to eligible low income individuals & families via an EBT card which can be used like a debit card to purchase food.

# data[].attributes.attachment_link.readable_text
SNAP is administered by the Department of Transitional Assistance (DTA).

SNAP benefits include:
* Monthly funds on an EBT card to buy food
* $40, $60 or $80 a month put back on your EBT card when you use SNAP to buy local produce via the Healthy Incentives Program (HIP)
* SNAP Path to Work free education and training opportunities
* Free nutrition education classes and resources
* Connections to other kinds of help, like utility discounts, free school meals and discounted admissions to many Commonwealth museums and cultural institutions via EBT Card to Culture

# data[].attributes.attachment_link.description
SNAP is administered by the Department of Transitional Assistance (DTA).

# data[].attributes.body
Debts accrued while in active duty

# data[].attributes.headline
State Beaches & Pools - Stay Cool in the Heat

# data[].attributes.subject
State Beaches & Pools - Stay Cool in the Heat

# data[].attributes.body
Find a DCR swimming facility near you

# data[].attributes.attachment_link.title
Swimming Pools, Wading Pools and Spray Decks

# data[].attributes.body
Economic Mobility Hub

# data[].attributes.attachment_link.readable_text
Economic Mobility Hub

What We Do

The Economic Mobility Hub is designed for you. If you are considering a job or a career at one of the healthcare organizations in the Boston area, we want to help, no matter where you are on your journey.

# data[].attributes.attachment_link.title
Economic Mobility Hub | Economic Mobility Hub Jobs

# data[].attributes.attachment_link.description
The Economic Mobility Hub is designed for you. If you are considering a job or a career at one of the healthcare organizations in the Boston area, we want to help, no matter where you are on your journey.