Finding financial assistance for single mothers can be hard and finding the money for everything needed can be even tougher. Governmental branches and private organizations have set up ways to provide single moms with the financial help they need – including free money.

The 529 Savings Plan –

The 529 Savings Plan is a very special type of financial aid.  The “qualified tuition” is usually offered by state agencies and some educational institutes. This money is only designed to be used for college or a higher education. Once the account is established, anyone can contribute to the account to add more funds for the college journey. For more information on what a 529 plan is and how you can find out if you are eligible, check out their website.

Grants. Unlike loans, grants do not have to be paid back. They are given to those who need them the most, and often those people have to go through a screening process to determine eligibility. Grants are commonly given to those who want to pursue higher education, though other need-based help is available, depending on specific needs and where you are located.

Sunshine Lady Foundation.

A College Degree may just be the answer to your dreams. Find out how you can make it a reality!

A College Degree may just be the answer to your dreams. Find out how you can make it a reality!

Established in 1996 by Ms. Doris Buffet, the Sunshine Lady Foundation is dedicated to helping mothers get out of abusive relationships and get back on their feet. The fund provides money for education, offers scholarships, and is dedicated to helping families in crisis. To determine if you qualify, visit:

Our Families, Our Future

This organization is dedicated to providing a helping hand to those who are trying to get back on their feet. They help train women for positions in the workforce that will allow them to make a living wage and take care of their children without help from the government or welfare programs. Find out more at

The Women’s Opportunity Awards

These are awards given to mothers who are the primary money-earners for their families, and who are furthering their options by going back to school. The cash award recognizes hard work and rewards it with not only the money, but the recognition of a job well done. You can learn more about the awards at

Institutional Grants.

Colleges and universities will offer grants to those who are already enrolled with them. For instance, if you want to take online classes, a computer is necessary – but for the struggling single mother, this can be an expense that is impossible to meet. Some colleges will provide computers for free, with the understanding that it is “on loan” until you complete your educational requirements – and then you get to keep it.

There are many organizations, both private and public, that are based in your specific area and will provide assistance for single mothers. Start by looking in the phone book for organizations like Helping Hands or the Salvation Army. These are good starting points to help you find further information on financial assistance for single mothers, including free money for single moms. To find further information on governmental grants, visit the Catalog of Federal Domestic Assistance at

This is a great place to go to information for mothers.

Pell Grants

The federal government does not offer any single-mom specific aid, but it does offer some funding the single moms often qualify to receive. All federal college grant and loan programs start with the FAFSA, an application that determines how strong your financial need is. One of the first type of financial aid to be awarded after filing the FAFSA is often the Pell Grant. These do not need to be paid back and can often award lots of money for single moms looking to go back to school. The Pell fits many single moms’ needs and can award over $5,000 to financially needy students based on certain criteria.

Educational Opportunities for Single Moms

Teacher Education Assistance for College and Higher Education

The Teacher Education Assistance for College and Higher Education Grant (TEACH) is a federal grant program designed to help future teachers get their education. The grant, which offers up to $4,000 per year, is available to students who plan to teach in low-income districts.

Federal Supplemental Education Opportunity

If you qualify for the Pell Grant and are on the lowest economic end, you may be able to qualify for the Federal Supplemental Education Opportunity Grant. This is a free government grant for single moms and other economically disadvantaged students that is based solely on the amount of money you have to contribute to your education. The grant amount is between $100 and $4,000 per year.

Non-College Government Assistance for Single Moms

You may see advertisements for free government help for single mothers, particularly if you spend a lot of time online. Be careful about these. Often they are scams and are just looking to take some of your hard-earned money. Rather, it is in the form of nutritional and cash assistance. The federal assistance for single moms that is available is typically for college education expenses, but typically, many single mothers end up qualifying for these programs.

 Federal Assistance for Single Moms for Going back to School

Talbot Scholarship Program – This is a very prestigious program that has a long-standing tradition of helping women go back to school and succeed. The prize money for this scholarship is 1 $30,000 scholarship given in honor of Nancy Talbots, and 30 more $5,000 scholarships.

This scholarship doesn’t discriminate based on race, color, religion, national origin or disability. To be eligible for this scholarship you must: be a resident of the United States and must have graduated high school before September 2004. This scholarship always comes around in January. The other requirement needed for this program is that you are enrolled into college and that you will attend the school for the entire academic year after getting the financial aid.

Check out everything you need to know about going back to school with the Talbot Scholarship Program here.

Paying bills doesn’t have to be hard

Government Assistance for Single Moms for Paying Bills

Paying bills and taking care of all the payments can really take a toll on single mothers. The best aid to help is TANF (Temporary Assistance for Needy Families) and they provide aid to selected families. This assistance is best used towards food, clothing, daycare and paying bills. The grant helps families for a short period of time and is useful in providing a little boost that you might need to get finances back on track. Each state has a separate TANF program that should be checked out because the eligibility may be different in each state.


Being single with kids can never be an easy proposition. There are so many things to take care of, rent, food, school, daycare and other household expenses. Despite having a proper job sometimes it is difficult to make ends meet. However, there are innumerable federal programs and grants available which can help you to live a respectful life.

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