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Courthouse Steps

Financial Resources

The challenge of improving your financial wellbeing can seem rather hopeless if all the money advice you hear is to keep costs low and eliminate all unnecessary expenditure. Keeping your focus on the wider picture of why financial wellness is important can be one thing that can help. When you handle your money well, you may say "yes" to exciting new opportunities and reach significant life milestones. The organizations listed below provide details on grants and other financial aid that may be available to you to cover essential living costs including housing, food, and medical care.

IRS Free File - Guided Tax Preparation

IRS Free File enables qualified people to use guided tax preparation software to create and submit their federal income tax returns online. It is risk-free, simple, and free for you. Even if they are not eligible, they can still use Free File Fillable Forms.

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Website: https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free

Low Income Taxpayer Clinics (LITC)

The Low Income Taxpayer Clinics (LITC) offer outreach and education to those who speak English as a second language (ESL) and help low-income people who are involved in tax disputes with the IRS.

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Website: https://www.taxpayeradvocate.irs.gov/about-us/low-income-taxpayer-clinics-litc/

Free Application for Federal Student Aid (FAFSA)

To apply for any federal financial aid to help you pay for college, you must complete the Free Application for Federal Student Aid (FAFSA). The U.S. Department of Education awards more than 13 million students who fill out the FAFSA each year more than $120 billion in grants, work-study, and low-interest loans.

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Website: https://studentaid.gov/

Retirement Planner - 360 Degrees of Financial Literacy

Are you aware of the requirements for a secure retirement? To assist you in developing your retirement plan, use 360 Degrees of Financial Literacy's calculator. View the balance of your retirement savings and your withdrawals for the remaining years of your retirement.

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Website: https://www.360financialliteracy.org/Calculators/Retirement-Planner

SEC Guide to Saving and Investment

One of the most crucial skills you'll ever need is the ability to protect your financial stability and having a strategy for achieving financial security by saving and investing.

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Website: https://www.sec.gov/investor/pubs/sec-guide-to-savings-and-investing.pdf

Department of Veterans Affairs (VA) Benefits

You may be qualified for VA benefits both while serving and after separation from or retirement from the United States uniformed services, including the active National Guard and Reserve with federal compensation.

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Website: https://www.va.gov/service-member-benefits/

Free Legal Help - American Bar Association and Utah Legal Help

Legal professionals that specialize in assisting low-income clients with legal issues are made available by federally sponsored legal services offices. You may be eligible for free legal services that pairs volunteer lawyers with low-income customers online. Some lawyers agree to answer brief questions for the clients for no charge.

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Website: https://www.americanbar.org/groups/legal_services/flh-home/flh-free-legal-help/

Website: https://www.utahlegalhelp.org/free/free-all?5abab028_page=2

Financial Assistance After a Disaster

IRS Free File enables qualified people to use guided tax preparation software to create and submit their federal income tax returns online. It is risk-free, simple, and free for you. Even if they are not eligible, they can still use Free File Fillable Forms.

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Website: https://www.usa.gov/disaster-financial-help

Debt and Credit Information Consumer Financial Protection Bureau (CFPB) and National Foundation for Credit Counseling (NFCC)

By subject and target audience, CFPB compiled resources, including worksheets, handouts, and audio recordings. These tools are available for you for free. Whether you are struggling with credit card debt, student loan debt, or a short-term setback, NFCC can help. Debt management might be hazy, but we're here to provide more clarity on how to build a solid financial foundation.

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Website: https://www.consumerfinance.gov/consumer-tools/educator-tools/adult-financial-education/tools-and-resources/

Website: https://www.nfcc.org/how-we-help

Food Assistance: Supplemental Nutrition Assistance Program (SNAP) and Special Supplemental Nutrition Program for Women, Infants, and Children (WIC)

SNAP offers nutrition benefits to help low-income families supplement their food budgets so they may buy nutritious food and work towards self-sufficiency. The main federal nutrition aid program is the SNAP. Through an EBT card, SNAP offers benefits to eligible low-income people and families. In approved retail food outlets, this card can be used to make qualified food purchases much like a debit card. WIC is a federally funded nutrition program for Women, Infants, and Children that helps families by providing financial assistance to purchase healthy supplemental foods from WIC-authorized vendors.

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Website: https://www.fns.usda.gov/snap/supplemental-nutrition-assistance-program

Website: https://www.fns.usda.gov/wic

Utility Assitance: Home Energy Assistance Target (HEAT) Program, Low-Income Home Energy Assistance Program (LIHEAP) and No-cost internet through the Affordable Connectivity Program (ACP)

Home energy costs and home landline phone bills are assisted by the Home Energy Assistance Target (HEAT) Programs. Through programs that help families with their energy bills, the Low Income Home Energy Assistance Program (LIHEAP) supports families in maintaining their safety and well-being. High-speed internet is available to eligible homes at no cost. 20 internet companies have committed to offer ACP-eligible homes a plan for no more than $30 per month, so the entire cost is nothing. If you qualify, you'll receive $30 off their monthly internet payment. Additionally, you can receive a one-time $100 discount when buying a computer or tablet.

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Website: https://jobs.utah.gov/housing/scso/seal/heat.html

Website: https://liheappm.acf.hhs.gov/navigator.php

Website: https://www.whitehouse.gov/getinternet/?utm_source=healthsherpa

Utah Housing Coalition and The Department of Housing and Urban Development (HUD) rental assistance programs

The HUD rental assiatance program can help support those in need with inexpensive housing for older people, those with impairments, and low-income families. The Utah Housing Coalition is committed to creating just and sustainable communities to guarantee that all Utahns have a secure and affordable place to live. They do this through education, advocacy, and community partnerships. 

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Website: https://www.utahhousing.org/

Website: https://www.hud.gov/

Child and Family Care: Assisted Child Care, Baby Your Baby, The Head Start Program, and Temporary Assistance for Needy Families (TANF)

Parents who satisfy the qualifying standards and are employed, employed while going to school, or in training are given financial assistance for child care through the Payment-to-Parent Child Care Assistance Program. Women in Utah who are expecting but lack the funds to pay for prenatal care might receive temporary financial assistance. By way of a prenatal Medicaid program, Baby Your Baby can assist with pregnancy financing. Head Start programs provide a range of services, such as early learning, health, and family well-being, to assist children's growth and development in a supportive learning environment.

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Website: https://jobs.utah.gov/customereducation/services/childcare/employment_support.html

Website: http://www.babyyourbaby.org/financial-help/

Website: https://www.acf.hhs.gov/ohs/about/head-start

Website: https://www.benefits.gov/benefit/613

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