Every month, families across the country stretch their dollars just to cover the basics. What many don’t realize is that help still exists. Across the U.S., programs continue to offer cash, credits, and monthly benefits to qualifying households.

These resources aren’t always widely known or advertised. But they can make a huge difference for people facing financial stress. Knowing where to look—and acting before deadlines pass—can mean the difference between falling behind and staying afloat.

Over $10,000 is Available in Financial Support to Certain Households

In 2025, some families may qualify for over $10,000 in combined support. This includes tax credits, monthly benefit programs, and one-time payments from local or federal sources. While not everyone is eligible for every program, many don’t require you to owe taxes or even have recent income. If you meet the qualifications, this money could help with groceries, bills, rent, or child care—and much of it is still available now.

Financial Relief Through Tax Credits

Tax credits are one of the most powerful ways eligible households can receive financial support. Unlike deductions, credits reduce the amount of taxes you owe dollar for dollar—and in many cases, they’re refundable.

Earned Income Tax Credit (EITC)

The Earned Income Tax Credit is designed to support low- to moderate-income workers. In 2025, eligible families with children can receive up to $7,830 depending on their income, filing status, and number of dependents. Even single filers without children may qualify for a smaller credit.

To get the EITC, you must have earned income through work, self-employment, or certain disability benefits. You do not need to owe taxes to receive this credit—it is refundable, which means you can receive money back even if your tax bill is zero. Many families don’t claim it simply because they aren’t aware they qualify.

Child Tax Credit (CTC)

Families with children under the age of 17 can receive financial assistance through the Child Tax Credit.  Up to $2,000 will be awarded to qualified households in 2025 for each qualifying child, of which $1,700 could be refunded. The credit begins to phase out for higher-income earners, but many middle- and lower-income families still qualify for the full amount.

Even if you don’t owe federal income taxes, you might still get a cash refund since part of the credit might be refundable.  Children must have a valid Social Security number and you must have made some money during the year in order to be eligible. The CTC is often a major boost for families during tax season.

Local State Programs (Stimulus Check Alternatives)

Even though federal stimulus checks have ended, some states have created their own programs to provide financial relief to residents. These aren’t always labeled as “stimulus checks,” but they often serve the same purpose—putting money directly into the hands of people who need it most.

State-level payments can take the form of tax rebates, energy assistance, housing grants, or inflation relief checks. Factors that determine whether or not you could benefit usually include income, household size, or age. Each program is different, and not all are widely advertised, so checking with your state’s department of revenue or human services can help you stay informed.

Federal Support Programs

Beyond tax credits and state-based relief, the federal government continues to fund programs that help with everyday expenses. These programs are designed to support low-income individuals and families by providing ongoing assistance with food, housing, and basic needs. Unlike one-time stimulus checks, these benefits can be accessed year-round and may offer steady support for those who qualify.

SNAP (Supplemental Nutrition Assistance Program)

SNAP helps low-income individuals and families buy groceries each month. The amount you receive depends on your state, income, expenses, and household size. For example, a family of six may be eligible for up to $1,390 per month in benefits. EBT cards, which are accepted at the majority of supermarkets and marketplaces, are filled with benefits.  You can visit a nearby help facility or apply online via the SNAP office in your state. ​

LIHEAP (Low-Income Home Energy Assistance Program)

LIHEAP helps low-income households cover the cost of heating and cooling. It can also assist with past-due utility bills, weatherization, and emergency repairs to heating or cooling systems. This is especially important during extreme seasons when energy costs spike.

The amount of assistance depends on your income, household size, and energy needs. In some states, households can receive several hundred dollars or more per year in help. For example, in Pennsylvania, households can receive between $200 to $1,000. LIHEAP is federally funded but run by state agencies, and funds are limited—so applying early is encouraged. Most applications can be completed online or through local community action agencies.

How Households Could Get Over $10,000

In 2025, certain households may qualify for more than $10,000 in combined financial support through a mix of tax credits and assistance programs. For example, a family with two children could receive up to $7,830 from the Earned Income Tax Credit and $4,000 ($3,400) from the Child Tax Credit. That alone totals over $11,000—and doesn’t include additional benefits like SNAP, LIHEAP, or state-level rebates. Many of these programs are income-based and offer refunds even if you don’t owe taxes. By applying for all the support you’re eligible for, your total financial help could add up fast.

Conclusion

Financial help is still out there, even if federal stimulus checks have ended. Many households qualify for cash, credits, or monthly support—they just don’t realize it. From tax refunds to energy assistance, these programs can reduce stress and stretch your income further. You don’t need perfect credit or a high income to apply.

Every dollar helps when times are tough. Whether it’s a few hundred dollars or a few thousand, these programs exist to support you and your family. Take the time to explore what’s available. A few simple steps could lead to real, life-changing relief.