Buzz
The Senate recently failed to pass the latest version of the Republicans' stimulus plan, which decreases the likelihood of receiving another relief package before the upcoming election. According to CNN, Congress might now prioritize passing a temporary funding bill to prevent a government shutdown before the September 30 deadline.
This could be disappointing news for millions of Americans who are struggling financially—especially for those waiting on additional unemployment benefits, Paycheck Protection Program aid, or another stimulus check. However, there are still alternative relief options available to assist those in need.
Eviction moratorium
A nationwide eviction moratorium is currently in effect until December 31, 2020. You may be eligible if you've made sincere efforts to seek other government aid and earn under $99,000 annually ($198,000 if filing jointly). To qualify, you must demonstrate pandemic-related financial hardship and show that eviction would increase your risk of contracting COVID-19. Additionally, you must make partial rent payments that are as close as possible to the full amount on time.
Federal student loan payment suspension
You may be eligible for a suspension of federal student loan payments. The temporary pause will last until December 31, 2020, and the Department of Education has confirmed that this period will count toward Public Service Loan Forgiveness and income-driven repayment plan forgiveness.
Unemployment benefits
While the $600 weekly unemployment boost ended in July, some states are now offering an additional $300 per week through FEMA. A list of participating states is available here. To qualify, you must be unemployed or working fewer hours due to COVID-19, and you must have qualified for benefits in the first three weeks of August, receiving weekly payments of at least $100.
Free school meals
The USDA's free school lunch program has been extended until December 31, 2020. Your children may still qualify for free, nutritious meals, even if local public schools are closed due to the pandemic.
If you're having difficulty affording food, you might also qualify for other food assistance programs, such as SNAP or WIC. Additionally, you can visit local food pantries regardless of your income.
Look for local support
Depending on your location, your state, county, or city might provide additional aid. You could be eligible for more than you realize—such as industry-specific relief—so don't hesitate to ask for assistance. You can use Candid to search for coronavirus relief funds by region.
For instance, Tennessee is providing funds through its Temporary Assistance for Needy Families (TANF) program. Additionally, there are local initiatives such as assistance for hospitality workers, free internet access, and free financial counseling available to those in need.
