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Save & earn

Resources on JRA that help you save money or earn more: interest-free loans, gemachs, food help, benefits, tuition help, job training and business support. 363 resources, grouped below. Links marked ↗ open the organization's own site.

Interest-free loans (72)

Hebrew Free Loan societies and loan gemachs lend without interest for tuition, business, medical bills and emergencies.

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Financial assistance & tzedakah funds (15)

Community funds that help families with rent, bills, Yom Tov and emergencies.

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Financial help →

Food help (72)

Kosher food pantries, Tomchei Shabbos, Yom Tov food programs and government food benefits.

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Community help →

Benefits, bills & taxes (9)

Official programs that lower bills or put money back: benefits finders, tax credits, free tax filing, utility and phone help.

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Health costs (25)

Lower-cost health insurance, community health centers, prescription help and fertility funding.

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Housing & property tax (17)

Rent and property tax relief programs.

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Children, school & tuition (8)

Tuition assistance funds, scholarships, free preschool and child care help.

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Seniors (4)

Help with Medicare, prescriptions and services for older adults.

Simchas on a budget (19)

Hachnasas kallah funds and gown gemachs.

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Borrow instead of buying (22)

Gemachs lend gowns, baby and medical equipment, simcha items and more, free or for a small fee.

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Budgeting & debt help (10)

Free or low-cost budgeting and debt guidance, credit reports and protection from scams.

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Financial help →

Jobs & job training (66)

Find work and free job training. Also see the JRA Job portal.

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Job portal →

Start or grow a business (42)

Free business guides and advising, plus a free basic listing on JRA.

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List your business free →

Outside the US (12)

Benefits and help in Israel, the UK and Canada.

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Quick answers

How do I apply for SNAP (food stamps)?

SNAP is run by each state. The USDA's SNAP page explains who may qualify and links to your state's application.

Source: USDA Food and Nutrition Service: SNAP Eligibility - Food and Nutrition Administration · checked 2026-11-07

What is WIC and how do I apply?

WIC is the USDA's nutrition program for women, infants and children who qualify. The USDA page explains the program and how to apply through your state or local WIC agency.

Source: USDA Food and Nutrition Service: WIC: USDA's Special Supplemental Nutrition Program for Women, Infants, and Children - Food and Nutrition Administration · checked 2026-11-07

How do I find out which government benefits my family can get?

USA.gov has a free benefit finder that helps you see which federal benefits you may be eligible for, with links to apply.

Source: USA.gov: Find government benefits and financial help - USAGov · checked 2026-11-07

Is there help paying heating or electric bills?

LIHEAP is a federal program that helps households with heating and cooling bills; it is run through your state. The program's site explains how to find your local office.

Source: U.S. Administration for Children & Families: Low Income Home Energy Assistance Program (LIHEAP) - The Administration for Children and Families · checked 2026-11-07

What is the Earned Income Tax Credit?

The EITC is a federal tax credit for working people with low to moderate income; it can mean a refund even if you owe no tax. The IRS site has an eligibility assistant.

Source: IRS: Earned Income Tax Credit (EITC) - Internal Revenue Service · checked 2026-11-07

How does the Child Tax Credit work?

The Child Tax Credit reduces federal tax for each qualifying child. The IRS page explains who qualifies and how to claim it.

Source: IRS: Child Tax Credit - Internal Revenue Service · checked 2026-11-07

Where can I get my taxes done for free?

The IRS VITA and TCE programs offer free tax preparation by certified volunteers for people who qualify, including seniors. The IRS page has a site locator.

Source: IRS: Free tax return preparation for qualifying taxpayers - Internal Revenue Service · checked 2026-11-07

Can I file my federal taxes online for free?

The IRS lists free ways to file a federal return online, including IRS Free File for taxpayers who qualify.

Source: IRS: File your taxes for free - Internal Revenue Service · checked 2026-11-07

Is there a tax credit for babysitting or day care costs?

The Child and Dependent Care Credit can cover part of what you pay for care of children under 13 so you can work. The IRS page explains the rules.

Source: IRS: Child and Dependent Care Credit information - Internal Revenue Service · checked 2026-11-07

How do I apply for Medicaid or low-cost health insurance?

HealthCare.gov explains Medicaid and CHIP and lets you check whether you qualify; you can also apply through your state's Medicaid agency.

Source: HealthCare.gov: Medicaid & CHIP coverage · checked 2026-11-07

Is there free or low-cost health insurance for children?

CHIP covers uninsured children in families that earn too much for Medicaid but cannot afford private coverage. InsureKidsNow.gov explains how to apply in your state.

Source: InsureKidsNow.gov: Home page · checked 2026-11-07

How do I apply for Social Security retirement or disability benefits?

The Social Security Administration's site lets you apply online for retirement, disability (SSDI) and SSI, and open a my Social Security account.

Source: Social Security Administration: The United States Social Security Administration · checked 2026-11-07

Short summaries written by JRA, linked to the source each one is based on. General information, not a halachic ruling.

Programs and eligibility change; check each organization's own site before applying. Know a resource we should add? Use the Suggest / Add button.

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