美国人可以通过CDFIs、租金谈判工具、经销账户和税收准备服务获得免费财政援助。 Free financial help is available for Americans through CDFIs, rent negotiation tools, ABLE accounts, and tax prep services.

面临金融挑战的美国人可以通过若干资源获得免费或低成本支助。 Americans facing financial challenges can access free or low-cost support through several resources. 社区发展金融机构在政府和私人资金的支持下提供小企业贷款、信贷和辅导。 Community Development Financial Institutions (CDFIs) provide small business loans, credit, and coaching, backed by government and private funding. 租户可以利用当地市场数据和拯救生命组织等组织的工具谈判提高房租。 Tenants can negotiate rent increases using local market data and tools from organizations like SaverLife. 可支配账户为与残疾有关的费用提供税收优惠的节余,不影响公共福利。 ABLE accounts offer tax-advantaged savings for disability-related expenses without affecting public benefits. 通过社区团体可以免费获得IRS认证的税收准备,许多团体提供财务辅导;Wells Fargo基金会赠款200 000美元,帮助15个非营利组织准备了20 000多份收益,可能将2 500万美元归还给家庭。 Free, IRS-certified tax preparation is available through community groups, many offering financial coaching; a $200,000 Wells Fargo Foundation grant helped 15 nonprofits prepare over 20,000 returns, potentially returning $25 million to households. 这些方案旨在改善关键生命时刻的财务稳定。 These programs aim to improve financial stability across key life moments.