Financial stress can sneak up on anyone. One unexpected bill, a change in income, or a medical emergency—and suddenly you’re juggling more than you can handle. If this sounds familiar, you’re not alone. Fortunately, there are federal programs offering real help to individuals and families across the country.

Below are ten programs that could offer the support you need right now.

1. Supplemental Nutrition Assistance Program (SNAP)

This program helps people buy groceries when money is tight. It provides funds on an EBT card that you can use at most grocery stores and some markets. If feeding your household has become a struggle, SNAP may be the right place to start.

2. Low Income Home Energy Assistance Program (LIHEAP)

Having trouble keeping up with your electricity or heating bills? LIHEAP exists to help cover utility costs, especially during extreme weather. Contact your state energy office for information on how to apply.

3. Housing Choice Voucher Program (Section 8)

Section 8 helps eligible tenants pay rent for private housing. The local housing authority covers a portion of the rent, and you pay the rest based on your income. Some waitlists are opening this month, so it’s worth checking availability in your area.

4. Medicaid

Medical expenses shouldn’t be a reason to delay getting care. Medicaid provides health coverage for those with limited income. It’s accepted at many hospitals and clinics, and the application process is simpler than you might expect.

5. Women, Infants, and Children (WIC)

If you’re pregnant or have young kids, WIC offers more than food. You can also access nutrition advice, health check referrals, and breastfeeding support. Visit your local public health office to learn if you qualify.

6. Lifeline Program

Phone and internet service are essentials—especially when searching for work or keeping in touch with loved ones. Lifeline provides monthly discounts for qualifying households and, in some cases, free mobile devices.

7. Temporary Assistance for Needy Families (TANF)

TANF offers monthly cash assistance to families in financial crisis. It often comes with employment services, including help with job searches and childcare. Reach out to your local human services office to apply.

8. Earned Income Tax Credit (EITC)

Worked last year but earned below a certain income level? You may qualify for a refundable tax credit even if you don’t owe taxes. The credit amount depends on your family size and income, and it can result in a meaningful refund.

9. Free and Reduced Price School Meals

Schools participate in meal programs to ensure students get the nourishment they need to learn and grow. If your income has changed, you can update your application with the school district at any time. Some districts also offer weekend or summer meal packs.

10. Federal Student Aid (FAFSA)

Planning for college or training this year? Completing the FAFSA can unlock financial aid in the form of grants, loans, or work-study jobs. Even if you think you won’t qualify, it’s best to apply and see what becomes available.