With No Fourth Stimulus Check, These COVID Programs Still Offer Billions in Aid

'Family stimulus checks' from the child tax credit

Through December 2021, most households with children age 17 and younger received monthly cash payments through a temporary expansion of the child tax credit. Households got a total of up to $1,500 for kids ages 6 to 17, and as much as $1,800 for each child under 6.

In 2022, the credit will provide duplicate second helpings of money that families can collect through tax refunds.

Some lawmakers and advocates for policies that fight child poverty favor a permanent expansion of the credit, but Congress has failed to agree to keep it going for even one more year.

Invest in real estate without the headache of being a landlord

Imagine owning a portfolio of thousands of well-managed single family rentals or a collection of cutting-edge industrial warehouses. You can now gain access to a $1B portfolio of income-producing real estate assets designed to deliver long-term growth from the comforts of your couch.

The best part? You don’t have to be a millionaire and can start investing in minutes.

Learn More

Large pool of untapped rent assistance

Close to half of $46.6 billion is still available in pandemic funds to help struggling renters, according to the latest U.S. Treasury data.

Despite red tape that has slowed states and local housing programs from giving out the cash, some places are getting their acts together.

For instance, significant improvements were made during the fall. Los Angeles gave out $72 million and Illinois distributed $177 million. Illinois tenants and landlords who qualify can request one-time grants of up to $25,000.

Money for distressed homeowners too

If you've had trouble keeping up with your house payments and utility bills, you can still seek financial relief through a $10 billion mortgage assistance program that was part of a massive federal stimulus package.

You can receive money if you have a loan balance that, in most parts of the U.S., doesn't top $548,250.

This 2 minute move could knock $500/year off your car insurance in 2025

OfficialCarInsurance.com lets you compare quotes from trusted brands, such as Progressive, Allstate and GEICO to make sure you're getting the best deal.

You can switch to a more affordable auto insurance option in 2 minutes by providing some information about yourself and your vehicle and choosing from their tailor-made results. Find offers as low as $29 a month.

Find the best rate for you

Aid for food workers

The government is recognizing workers who helped put food on tables during the pandemic.

The U.S. Department of Agriculture has announced a program to help repay grocery, farm and meat-packing workers for their out-of-pocket expenses on protective equipment, child care, lost wages and other costs.

Eligible people can receive up to $600 in grants, which local agencies and nonprofits will be distributing in 2022.

A price break on your internet connection

Another government program offers discounts on computers and internet access needed for jobs, critical health care services and virtual schooling.

Families who meet income requirements can get monthly discounts of up to $50 on broadband service and a one-time discount of up to $100 to buy a laptop, desktop computer or tablet from participating providers, under the Federal Communications Commission program.

Contact your broadband provider to apply for an eligible service, or sign up at GetEmergencyBroadband.org.

Other ways to stimulate your finances

If you aren’t eligible for any of these stimulus funds — or you are, but the assistance just isn’t enough — here are some tips to help you to find relief on your own.

• Lower your debt. Take a look at the interest you’re paying on your credit cards. The higher the rate, the longer it will take to pay down what you owe. A lower-interest loan to consolidate your debt can help you erase your balance faster.

• Pay less for your online spending. Many of us are doing more online shopping, especially since the start of the pandemic. There are easier ways to compare prices than spending hours looking at different screens and scanning through various sellers. A free browser extension will automatically search for lower prices and coupons.

• Reduce your mortgage payments. If you own your home, the largest payment you make each month is probably your mortgage. A smart refinance can save you hundreds of dollars in lower interest. That frees more money to pay off your home faster. Refinance rates are at historic lows.

• Invest your spare change. Round up your everyday purchases to make every penny count in your favor. A popular app helps you use your nickels, dimes and other “spare change” to build a diverse portfolio.