Skip to main content
State Library of Ohio patrons are protected from the "Heartbleed" bug.

Financial Help

find help in Tough Times logo

 

Financial Help includes links to resources and information on credit, taxes and financial assistance.

Treasurer of State

Foreclosure Prevention 
Help for homeowners facing foreclosure.

Credit and Debit
Information on managing credit.

Financial Calculators
Interactive calculations, dynamic graphs and fully customizable reports in the areas of mortgage, loans, credit card and debit management, retirement savings
and planning, savings and personal finance.

 

Foreclosure Help

Save the Dream Ohio
Information to learn more about foreclosures in Ohio and resources that can help you avoid losing your home.  Save the Dream Ohio Hotline  888-404-4674

 

Credit Report
Free Credit Report
This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

 

Consumer Credit Counseling Service
Consumer Credit Counseling Service
CCCS is a non-profit agency that offers financial counseling service and education programs. A fee is charged for their services.

 

Home Energy Assistance Program
Utility Payment Assistance
With one Energy Assistance Application, you may apply for several federally or state-funded energy assistance programs administered by the Office of Community Services, Ohio Department of Development: the Home Energy Assistance Program (HEAP), the Emergency Home Energy Assistance Program (E-HEAP), the Percentage of Income Payment Plan for (PIPP) and the HEAP Summer Crisis Program. The Energy Assistance Application can also be used to apply for the Home Weatherization Assistance Program (HWAP).

 

Veterans Services Department

Financial assistance.
Your County Veterans Service Offices can assist you with a multitude of items including financial assistance. They should be your first contact when needing assistance. County Veteran Services Offices

Ohio Veterans Bonus Program: Eligible Veterans are encouraged to begin the process by completing the online bonus application. Veterans will see that most of their questions probably are answered in the short application process. They will quickly learn what information is required and what documentation is needed to support their bonus application.

Military Families

Personal Finance for Military Families  your one-stop guide to a secure financial future is  a publication from Kiplinger's Personal Finance and the Better Business Bureau.
 

Department of Job and Family Services

Ohio Here to Help provides direct links to job openings via Ohio Means Jobs, as well as to training and education resources via the State of Ohio Library. It also has information on such topics as money, food assistance, health care, housing, transportation, child care, veterans’ services, legal services, clothing assistance, youth employment and much more.
 

Food Assistance Programs
Links to several programs and to local county Department of Job and Family Services offices where you must apply for the federally funded Food Stamp Program.

Emergency food assistance means food products provided by local nonprofit agencies, such as food pantries. To be eligible for emergency food assistance, your family income cannot exceed 200 percent of the federal poverty guideline 

To find a nonprofit agency that can help you with emergency food assistance, visit FeedingAmerica.org click on “Food Bank Locator,” and type in your Zip code 

File for unemployment compensation benefits.
File online, 24 hours/day, 7 days/week. Limited service may be available while our system is being updated nightly. Check the website for available services. Please be sure to follow the prompts.  Call toll-free 1-877-644-6562 or TTY 1-888-642-8203, Monday through Friday, 8:00 a.m. - 5:00 p.m. (excluding holidays). The toll-free number is now available from 8 a.m. to 5 p.m. Monday and Tuesday, 8 a.m. to 7 p.m. Wednesday through Friday, and 9 a.m. to 3 p.m. on Saturday.  For a list of what you will need to file for unemployment compensation, click here for "Register for Benefits" brochure.

 
Health Insurance
You might be eligible for Medicaid, the federal- and state-funded health care program for eligible individuals with low income. Medicaid provides access to health care services for children, pregnant women, families with children younger than 19, people with disabilities, and adults 65 and older who meet certain financial requirements.  To see if you might be eligible, and for more information about the Medicaid program, contact your local county Department of Job and Family Services (CDJFS) or call the toll-free Medicaid Consumer Hotline at (800) 324-8680

Children’s Buy-In (CBI) program for certain uninsured children in families with income over 300 percent of the federal poverty level. The program is open to children younger than 19 who are U.S. citizens and Ohio residents and who have been uninsured for the previous six months. Families with children enrolled in the program are required to pay monthly insurance premiums, which are determined based on the size of the family and annual household income. For more information, call the toll-free number (800) 324-8680 or click here.


Cash Assistance
Apply by filling out a “Request for Cash, Food Stamp and Medical Assistance” form and submitting it to your local county department of job and family services (CDJFS). You can obtain the form online scroll down to Applications and other forms, or by calling or visiting your local CDJFS.


Child Care Assistance
ODJFS offers financial assistance to eligible needy parents to pay for child care while they engage in work and training efforts. Families whose income is at or below 200  percent of the federal poverty guideline can receive payment for all or part of their monthly child care expenses. Call or visit your local county department of job and family services  (CDJFS). You can fill out an application, and staff there will determine whether you are eligible.  For more information, click here  or call the Office for Children and Families Help Desk, toll free, at (866) 886-3537, option 4.

 

Worker's Guide to Unemployment Compensation.  This booklet contains general information regarding your responsibilities  and rights to receive unemployment compensation.

 

Ohio Benefit Bank

Through the Ohio Benefit Bank, (OBB) Ohioans can complete applications for programs such as Food Assistance, the Home Energy Assistance Program (HEAP), Child care subsidies, prescription assistance, medical coverage and even file their Federal and State taxes for FREE! Try a Quick Check to estimate your eligibility for these programs and more.

 

Internal Revenue Service

Earned Income Tax Credit
The Earned Income Tax Credit or the EITC is a refundable federal income tax credit for low to  moderate income working individuals and families. Congress originally approved the tax credit  legislation in 1975 in part to offset the burden of social security taxes and to provide an incentive to work. When the EITC exceeds the amount of taxes owed, it results in a tax refund to those  who claim and qualify for the credit.

To qualify, taxpayers must meet certain requirements and file a tax return, even if they did not earn enough money to be obligated to file a tax return.

The EITC has no effect on certain welfare benefits. In most cases, EITC payments will not be used to determine eligibility for Medicaid, Supplemental Security Income (SSI), food stamps, low-income housing or most Temporary Assistance for Needy Families (TANF) payments. Find more information at this link .

 

FDIC Federal Deposit Insurance Corporation

The Money Smart Computer-Based Instruction (CBI) is a friendly and easy to use learning tool that teaches the 10 modules of the Money Smart curriculum through a computer. The CBI can complement formal classes or enable people to study independently at their own pace.
 
Each module generally takes between 20-30 minutes to complete. Students receive ongoing feedback and, upon successful completion of each module, can print out a personalized certificate of completion.
 

OTHER SOURCES

Financial Help for Single Mothers

Links helping single mothers locate federal and private sources for housing, food and education grants, scholarships and other financial assistance.

 
 

back to top