FInancial Help & Debt Relief for Coronavirus, COVID-19

Resources for COVID-19 Financial Help

Below you will find information about government programs and resources in response to the coronavirus pandemic as well as tips for when money is tight. This page will be updated as news releases.

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Financial Help for Coronavirus COVID-19

Coronavirus, COVID-19 has crippled the American economy. The short-term effects might be overwhelming, but InCharge Debt Solutions stands ready to help you get through it.

We have prepared a list of resources and contact information that will make it easier to find the help you need.

Government Programs for Coronavirus Relief

President Trump signed into law a record-breaking $2 trillion economic stimulus package on March 27 in response to the COVID-19 pandemic. The bill includes relief checks to Americans, expanded unemployment benefits, and access to loans for businesses.

COVID-19 Relief Checks

The highlight of the COVID-19 stimulus package is a $1,200 check to every American worker earning less than $75,000 with families receiving an additional $500 per child. Reduced stimulus checks will go to Americans making between $75,000-$99,000. You should receive a check or direct deposit in April if you qualify. Eligibility is determined by your 2019 or 2018 tax returns.

Expanded Unemployment Benefits

The bill expands unemployment insurance from 26 weeks to 39 weeks (in most states) and extends benefits to gig workers and freelancers. The bill increases unemployment benefits by $600/week for four months for Americans who are sick, quarantined or caring for children because of COVID-19.

Paid Sick Leave for COVID-19

Congress passed the Families First Coronavirus Response Act March 18 with the intention of granting two weeks of paid sick leave to workers whose families are affected by the coronavirus. The relief comes in the form of a tax credit to offset the cost for companies with less than 500 employees. Eligible workers will receive 100% of their regular pay up to $511 per day. They could qualify for emergency assistance of up to $200 a week to care for a quarantined family member or a child whose school or daycare facility has closed.  There is a lot of red tape surrounding this program, so be sure to check with your employer to see if you are indeed eligible.

Student Loan Interest Suspended

Student loan borrowers have the option to suspend payments for two months without penalty. For more details, student loan borrowers should contact their loan servicers and enroll in the forbearance program.

SNAP Benefits Application

Find information about how to qualify for food stamp (SNAP) benefits, how to apply for food stamps, and how much you can expect based on household size.

More About SNAP
Checklist of debts to pay first

Many workers will be out of a job as the fallout from COVID-19 sweeps across the nation. Here are the steps you should take if you find yourself unemployed and in debt.

More About Unemployment
Pile of unpaid bills

Find out where to get help paying your bills, including utilities, mortgage, rent, insurance and child support, and how to prioritize your payments and minimize the damage.

More About Paying Bills

Money Saving Tips

Managing your finances can be a struggle during these times of uncertainty. No one knows what the economic impact of COVID-19 will be and how long it will last, so it is important to get ahead of the game and prepare. We put together a list of money saving tips to help you streamline your budget.

Homeschooling Materials

As schools and businesses close, many parents are having to take on homeschooling duties, and with so much talk of the economy, there are sure to be lots of questions. There’s no better time than now to teach your kids about the importance of personal finance. InCharge has lesson plans and worksheets available for free to download and print for K-8, high school and even college students.

Financial literacy for kids

These lessons provide guidance, lesson plans and activities for teachers interested in introducing four to seven year old children (pre-school, pre-k, first and second grade) to early financial literacy concepts.

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Financial literacy for high school students

The teaching curriculum consists of fourteen lesson plans & worksheets designed to augment a semester course in life skills and personal finance management. The Teacher’s Guide, compiled in a separate, easy-to-use notebook, includes an outline of the curriculum, teaching notes and answer keys.

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Personal finance for young adults and college students

Our personal finance course covers a number of important topics faced by young adults who may be living on their own for the first time. These resources also lay the groundwork for major decisions that happen shortly after college graduation – like buying a home, a car and managing credit and debt.

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Where to Go for Information About COVID-19

Your health should be the No. 1 priority right now, so we encourage you to take the proper precautions. The CDC has information about COVID-19 symptoms as well as information about how to prepare. They also list some resources and guidance for businesses, schools, community organizations and travel companies.

State and Local  Resources

The CDC provides some information about COVID-19 testing, but the rollout of the tests will rely on state and local health departments as well as healthcare providers. Give them a call if you think you may need to be tested. Otherwise, check your state’s .gov page and your city and county’s websites for more information, and watch for daily announcements from your governor.