Free Dental Insurance for Low-Income & Unemployed Adults

women on beach enoying the freedom

Medicaid provides free dental insurance to low-income children throughout the country and often (not always) extends these benefits to adults over 21, disabled individuals, pregnant women, and seniors dual-eligible with Medicare.

However, the coverage is not uniform, as each state decides whether to support benefits for dental work and which services to include or exclude.

Hardship Grants for Single Mothers | Free Money To Pay Bills

single mother holding piggy bank

Grants are the ideal form of financial assistance for single parents because, unlike a loan, you do not have to repay the money or incur interest charges and origination fees.

However, finding free funding is never easy because the resources are limited while competition for the benefit is fierce. Think creatively to find the help you need.

Payroll Allotment & Installment Loans for Federal Employees

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Online lenders love federal government employees! Their secure jobs and steady paychecks make them ideal borrowers, all other underwriting criteria aside. Shutdowns get lots of press, but occur infrequently, and do not last terribly long.

Unsecured personal loans provide a great way to obtain funding to meet short-term needs.

Free Government Debt Consolidation Programs & Loans?

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The government does not offer or approve debt consolidation loans, relief options, or forgiveness programs for private obligations in a direct fashion. However – federal and state agencies enact laws that regulate related activities.

People who owe large sums on their credit card, mortgage, or hospital bills will benefit from knowing the consumer protection rights that they have.

How To Answer Credit Card Application Questions Correctly

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When responding to a credit card offer, you may need to answer several seemingly odd application questions such as whether you rent an apartment, own a home, or live with your parents.

You may find it interesting to learn the different ways risk managers may use your answers when deciding whether to approve your request, and then set your initial limit.

How To Get A Car Loan With a High Debt-To-Income Ratio

happy woman in car after her purchase

When you already owe a lot of money, borrowing even more is very difficult, and not always the best idea. However, sometimes we need reliable transportation to get to work.

Getting a secured personal loan online to fund a car purchase is difficult – but not impossible. Boost your reported earnings and spread out payments.

Unsecured Personal Loans with High Debt to Income Ratio

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Applying for a personal loan online may be the first place to look if you are someone with a high debt to income ratio. Consolidating your accounts into one can dramatically reduce your monthly payments if only you can find a lender willing to approve your request.

In addition to working with a broad network of willing lenders, you can improve your chances by reducing your payments, or increasing your income.

Credit Score Needed to Buy a Car Without a Cosigner

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Your credit score rating can have an enormous impact on your ability to qualify for many types of financing, and the rate of interest you may pay.

Consumers often ask the wrong questions. The minimum score needed to buy a car is less important than the monthly payment your income will comfortably support.

Short-Term Disability in Oregon | State Qualifications

Green Oregon street sign

Oregon does not offer a state short-term disability program that covers non-occupational medical conditions for workers in private industry. Members of the PEBB have the option to participate in a voluntary program.

Residents should consider buying an individual policy in advance of becoming pregnant, getting sick, or suffering an injury. File a claim with the company issuing the coverage when the need arises.

Interest-Free Medical Procedure Loans for Bad Credit

Group of medical professionals looking down at surgical patient

If you thought the Ripley’s Believe it or Not museum was full of oddities, wait until you learn about a hidden use of Healthcare Flexible Spending Accounts.

You can use an FSA to get an interest-free medical loan without a credit check that saves you money on your taxes!

Furthermore, patients with bad credit scores as low as 500 qualify for the financing by pre-certifying that the procedure is medically necessary – unlocking a second possible benefit: insurance might pick up the tab!