Financial

Annual Credit Report allows you to view your credit file disclosure (commonly called a credit report) at no charge once every twelve months from each of the nationwide consumer credit reporting companies (Equifax, Experian, and TransUnion). You can view and print your credit report online.

AT&T Access Internet Program offers high-speed internet for qualifying households. There are no contracts, no deposit, and no installation fee. Also includes in-home Wi-Fi gateway and access to the entire national AT&T Wi-Fi Hot Spot network at no extra cost. Please visit the website or call to apply.

Seniors Against Investment Fraud (SAIF) protect from fraud and educate Californians over the age of 50 about financial and investment fraud, common scams, and unscrupulous sales practices that specifically target seniors. SAIF exists because seniors are prime targets for financial fraud and scams. The goal of the SAIF program is to empower seniors to make informed decisions about investments and finances.Seniors Against Investment Fraud (SAIF) empowers seniors by providing valuable inf...

California Department of Veterans Affairs and its CalVet Home Loan program are committed to helping veterans and active duty personnel attain the American Dream of home ownership. Competitive market interest rates with low or no down payment are offered. The eligibility guidelines have been expanded so that nearly any veteran interested in purchasing a home in California is eligible. Please visit their website for detailed information. You may use the menu on the right hand side of this page ...

California LifeLine Program is a state program that provides discounted home phone and cell phone services to eligible households. California LifeLine discounts help consumers lower the cost of their phone bills. Only one discount per household is allowed (except for teletypewriter users and for Deaf and Disabled Telecommunications Program participants). Each household must choose to get the discount either on a home phone or on a cell phone, but not on both.For more information, you can call or...

California Water Service Company Customer Assistance Program (CAP) provides a monthly discount service charge for qualified residential customers in a Cal Water regulated service area. Please call or visit the website for an application.

California’s Low Cost Automobile Insurance Program is a state-sponsored program that makes insurance affordable for California residents who meet the eligibility requirements, regardless of immigration status. Wherever you live, you'll find these policies more affordable than what most private plans offer. Payment plans are available for as little as 20% down. Major credit or debit cards are accepted. These policies are issued by California-licensed insurance companies. Additional coverage ...

Homelessness Prevention provides short-term, one-time rental and/or deposit assistance to qualifying households that meet all federal and local eligibility requirements. All households must undergo an application and review process through Central Valley Low-Income Housing Corp. Households that believe they meet eligibility requirements should contact Central Valley Low Income Housing for full details.

Permanent Supportive Housing is primarily directed to serving the needs of households consisting of an adult homeless person with a permanent disabling condition but also serves homeless households where the head of household is disabled. The program provides rent support and strongly encourages that qualifying participants receive ongoing support services from either the referring agency or a social service agency. Additionally, a self-sufficiency plan is developed with specific goals to assi...

Rapid Re-Housing is a federally funded temporary rental assistance program (normally not exceeding twelve months) for qualified homeless families that are living in a shelter, living on the streets, or receiving one-time homeless assistance from the Human Services Agency. Families can receive rent and deposit assistance, according to documented need of the household; continuing eligibility is reviewed at least every three months. The head of household must also participate in a plan toward self-...

Chinese Cultural Society of Stockton is devoted to enlightening the community about the Chinese culture and its impact on the region. They hold monthly meetings and sponsor an annual Chinese New Year festival on the first Sunday in March.Fundraisers are held to provide scholarships that are distributed every year. If you wish to become a member or for more information on scholarships, please contact by email.

City of Stockton Economic Development Department provides the following assistance to qualified low and moderate income City of Stockton residents:The Housing Division administers programs that create housing opportunities for residents of Stockton through down payment assistance, emergency repairs, and neighborhood improvements.Available Housing Programs:Down Payment Assistance ProgramEmergency Repair ProgramHousing Reconstruct Loan ProgramHousing Rehabilitation ProgramNeighborhood Improvem...

Villa Monterey Family Resource Center operates a Family Resource Center with administration offices in one of the highest-need communities in Stockton - the Kentfield neighborhood. They use Service Integration as a planning process to create individualized plans to meet the needs of children and their families by utilizing their strengths. The comprehensive and well-coordinated case plans improve the delivery of services because they eliminate duplication and gaps in services and actively invo...

Volunteer Income Tax Assistance (VITA) Program provides free tax preparation to individuals and families. They partner with the Internal Revenue Service to prepare and file basic tax returns in communities across San Joaquin County. In general, you qualify for this service if you earn $58,000 annually or less. They also process back taxes and support ITIN applications. Please call for an appointment; appointments are required.VITA locations in San Joaquin County: Villa Monterey Family Resource C...

CouponChief.com provides a detailed look at ways those with disabilities can stretch their dollars. Discounts, services, and special offers for people with disabilities are widely available. Visit couponchief.com for detailed information on how individuals with disabilities can find discounts and savings on goods and services!

Covered California is an easy-to-use marketplace implementing the federal Patient Protection and Affordable Care Act in California. Through Covered California, you and your family can compare affordable, quality health insurance options and choose the one that best fits your needs and budget. By law, your coverage cannot be dropped or denied if you have a pre-existing medical condition or if you get sick. You may even be able to get financial assistance through Covered California to ma...

Consumer Assistance Program offers eligible consumers repair assistance and vehicle retirement options to help improve California's air quality. Eligible consumers may receive up to $1,200 in emissions-related repairs at a STAR test-and-repair station if their vehicle fails its biennial Smog Check inspection. Eligible consumers may receive either $1,500 or $1,000 to retire their operational vehicle at a BAR-contracted dismantler site.Note: Participation is based on meeting eligibility requiremen...

CalEITC is a cash back tax credit that puts money back into the pockets of California's working families and individuals, available for the first time in 2016. CalEITC could boost income for an estimated 600,000 eligible families. You must file a tax return in order to receive this cash back tax credit. You can file your taxes for free in person through the Volunteer Income Tax Assistance (VITA) program or online.All information regarding CalEITC is available at the website listed, including ...

FamilyWORKs (previously known as CalHEPP Program) is helping to build stronger families through virtual and in-person home visiting. Supports families by getting kids ready to succeed in school, providing helpful information and activities for you and your child to enjoy with items you may already have in your home, connecting parents with community resources and helping with online searching and applying for jobs.

Family Resource Center is a non-profit organization that focus on quality childcare services for all parents, childcare providers, and children of San Joaquin County and the surrounding areas and providing child development and parenting education, nutrition classes, and health and safety training.Services include:Childcare assistanceChildcare referrals First 5 ProgramsPreschool ProgramInformation and training for individuals interested in becoming licensed family childcare providersWorkshops an...

Subsidized Child Care Program provides childcare subsidies to low-income families with partial or full payment towards childcare while parents are attending school, participating in a training program, or are working.

Federal Student Aid, a part of the U.S. Department of Education, is the largest provider of student financial aid in the nation. The office of Federal Student Aid helps make college education possible for every dedicated mind by providing more than $120 billion in federal grants, loans, and work-study funds each year to more than 13 million students paying for college or career school. For more information or to apply for FAFSA, please visit their website.

CollegeBuys, powered by the Foundation for California Community Colleges, offers discounts of up to 85 percent on a wide-range of educational products from industry-leading software and technology and high quality office and classroom furniture. Community college students are eligible for discounts on products that will help them complete their education. Find the latest discounts at CollegeBuys.org or sign up to receive updates and product information via email.College Buys now is offering Cal...

Payee Services is designed to assist clients who receive Social Security Income (SSI) for disability and/or mental health problems manage and budget their monthly checks. They operate the largest homeless focused non-profit Representative Payee in San Joaquin County overseeing accounts totaling over six million dollars. The purpose is to provide services that ensure the payment of rent, utilities and food needs first, and then provide the recipient with funds that will provide for the purchase o...

Energy for All offers a no-cost solar program. By leveraging state and local tax incentives, their program offers solar installations on homes at no cost.

The goal of GRID Alternatives is to help families save on your electricity bills, helping to alleviate your financial burdens while reducing your carbon footprint. The beneficiaries of the program typically save 60% or more on their electric bill. Each solar installation also provides hands-on solar training for volunteers and job trainees while spreading clean, renewable energy in the communities that need it the most.To make these projects possible, GRID Alternatives partners with local govern...

Habitat for Humanity of San Joaquin County, Inc. is a non-profit Christian housing ministry dedicated to helping low-income families improve the conditions in which they live. A fund created from gifts and the ReStore's net profit serves as capital for building homes. Construction is a cooperative effort involving both volunteer workers and recipients of the home. More detail regarding their low-income home ownership program can be found on their website or at the local Stockton Restore, locat...

Internal Revenue Service (IRS) is the United States government agency responsible for the collection of federal taxes and enforcing tax laws. Information is available on their website.

Internal Revenue Service (IRS) Volunteer Income Tax Assistance Program (VITA) and the Tax Counseling for the Elderly (TCE) Programs offer free tax assistance to taxpayers who qualify. Trained community volunteers may help with special credits, such as Earned Income Tax Credit, Child Tax Credit and Credit for the Elderly or the Disabled. In addition to free tax return preparation assistance, most sites also offer free electronic filing (e-filing). Individuals taking advantage of the e-file progr...

Internet Essentials from Comcast brings the power of the Internet to more students and families across the country. It offers fast, affordable home Internet service for only $9.95 a month to qualifying families. You can apply online or call for more information. While participating in Internet Essentials:You get fast home Internet service for only $9.95 a month, plus taxYou never have any price increases or pay any activation or equipment rental feesYou can buy a computer at initial enrollment ...

Western States Pension Assistance Project offers a knowledgeable pension team that can help you understand your retirement plan rights and claim the benefits you have earned, regardless of the type of company or retirement benefit involved. Messages are returned within one to two weeks. They also assist with:Claim retirement benefits that have been deniedPension overpayment and recoupment questions Tracking down retirement benefits from past employers Understanding and correcting pension benefi...

Residents who have a qualifying income level based on the income eligibility criteria for State of California Low Income Home Energy Assistance Program may receive a discount of 30% on their monthly electric service charges.Applications are accepted online at:https://utilhelp.com/home/index?Referrer=LEU

Making Home Affordable Program (MHA) helps homeowners in avoiding foreclosure, stabilizing the country's housing market, and improving the nation's economy. If your expenses have increased due to medical bills or picking up the pieces after a separation or divorce, this program is available. There are a variety of MHA programs that may help homeowners having difficulty making mortgage payments. Please visit the website or call for more information.

Medi-Cal Access Program (MCAP) offers low-cost health coverage for mid-income pregnant women. It has been designed for middle income families without health insurance and whose income is too high for no-cost Medi-Cal. MCAP is also available to those who have health insurance if their deductible or co-payment for maternity services is more than $500. If you qualify for MCAP, your baby is automatically eligible for enrollment in the MCAP Infant Program unless your infant is enrolled in employer-s...

Microsoft Office 365 Education is available for students and educators at eligible institutions. It offers the following free software programs: Word Excel PowerPoint OneNote Microsoft Teams Classroom toolsTo enroll, you will need a valid school email address. To learn more, please visit their website.

Money Management International provides consumers with quality consumer education and credit counseling.Debt Management Plans are available to customers who want to become debt-free. Consumers meet with a certified credit counselor who will review their budget and debt and then create a plan to live within the budget and still become debt free.Education programs are available through online and workshop formats. Courses include Homebuyer Education, Debt Management Plans and other multiple onlin...

MyMoney.gov is a U.S. government website dedicated to teaching all Americans the basics about financial education. Whether you are buying a home or balancing your checkbook, the resources on MyMoney.gov can help you maximize your financial decisions. Throughout the site, you will find important information from 20 federal agencies designed to help you make smart financial choices. The site also contains activities and tools for adults and youth on earning, borrowing, saving, investing, spending...

Pacific Gas & Electric (PG&E) California Alternate Rates for Energy (CARE) Program gives qualified households deep discounts on their energy bills. Average discount is about $500 per year. Applications are now available online. You can also apply for a monthly discount on your electric bill through the Family Electric Rate Assistance (FERA) program if your family meets program guidelines.Guidelines for the programs are as follows:PG&E bill is in name of person who is applyingLive a...

Partnership for Prescription Assistance helps qualifying patients without prescription drug coverage obtain the medication they need at low cost or no cost. Their mission is to increase awareness of patient assistance programs and boost enrollment of those who are eligible. You can also find a free or low-cost clinic near your home or workplace. Visit Help With Prescription Medications through Patient Assistance Programs (scbn.org) for more information....

Since 1976, PREVAIL (formerly Women's Center - Youth & Family Services) has been San Joaquin County's primary provider of free, confidential services and shelters specifically designed to meet the needs of homeless and runaway youth and victims of domestic violence, sexual assault, and human trafficking. Through our programs and services, we are helping victims heal, restoring hope, strengthening families, and building a safer community. Services offered by PREVAIL include: Shelters for vict...

Relief for Energy Assistance through Community Help (REACH) is designed to assist needy families with payment of their PG&E bills. It is administered through Dollar Energy Fund. Funds are available to pay only a late utility bill (no deposits). Families may receive assistance every 18 months until funds have been exhausted. Appointments must be scheduled. Walk-ins accepted. Other sites: 525 West Lockeford Street, Lodi (209) 369-5896

Salvation Army, Stockton assists needy families with emergency food, clothing and furnishings when their homes have been destroyed by fire or any form of disaster or calamity. Salvation Army also provides assistance with paying for a PG&E bill through its Dollar Energy program. No requirements for the Youth Center.Stockton Salvation Army sites:Adult Rehabilitation Center & Thrift Store: 1247 South Wilson Way, Stockton (209) 466-3871. There is a car lot featuring used and running cars ...

Public Guardian/Conservator’s Office assists people who need protection of their personal needs and/or estate due to their psychiatric or cognitive impairments. They also do payeeships for people who have mental health diagnoses and are receiving Social Security and/or Veterans' benefits.

Garden Acres Community Center participates in the government commodity program for individuals meeting income and residence requirements. Food is distributed on the third Thursday of the month at 8:00 a.m. to qualifying individuals living in the 95212, 95215 and 95236 zip codes. Emergency food is distributed on Tuesdays from 9:00 a.m. to 12:00 p.m. Donated food is distributed on most Mondays, some Wednesdays, and Fridays at 11:00 a.m.Other services:Assistance with homeowners and renters assist...

Weatherization Program offers the following energy saving measures and repairs: minor housing repairsglass replacementattic ventinglow-flow shower headceiling insulationcaulkingdoor weather stripduct wrapmicrowave and refrigerator exchangeand much more.While there are no fees charged to landlords, the landlord must be willing to agree not to increase the tenant’s rent due to the improvements....

San Joaquin County Department of Child Support Services provides the following services: locating parentsestablishing paternityrequesting child support and/or medical support orders from the courtenforcing child and spousal support ordersmodifying child support orderscollecting and disbursing child support payments

San Joaquin County Human Services Agency is the community's provider of those services essential to the well-being of county residents. While all of the programs are locally administered, most are federally and/or state-funded. Their mission is to lead in the creation and delivery of services that improve the quality of life for the community. Human Services Agency provides a variety of programs and services locally. These programs include: CalWORKsCalFreshMedi-CalAging and Adult ServicesChi...

Home Energy Assistance Program (HEAP) assists qualified residents with their energy costs. Households may apply once per year for payment of an electric, gas or propane utility bill. Assistance is contingent upon availability of program funding. Residents can find additional information by visiting the website.Required documents:Birth certificate or proof of legal residencyProof of income for the last 30 daysRecent electric/gas or propane utility bill...

Medi-Cal offers health care coverage for low-income residents of California who have little or no personal health insurance or are having trouble paying for medical services. Medi-Cal is supported by federal and state taxes and administered by local county departments. Please call for more information on application criteria and process.

Financial Aid and Scholarships Department assists students in meeting expenses associated with their education. Expenses include books, supplies, food, transportation, and housing expenses. Financial aid is available to qualifying students in the form of state and federal grants, federal work study, scholarships, student loans, and state grants. The Financial Aid and Scholarships Department also offers outreach services for potential financial aid applicants including low-income and disadvant...

San Joaquin Medical Society Scholarship Loan Fund provides interest free loans to medical and nursing students. Please call or visit their website for additional requirement information, loan terms and application deadlines.Scholarship types and amounts: M.D. $10,000 to $40,000 per yearR.N. $4,000 to 8,000 per year

Service First of Northern California (SFNC) is a 501(c)(3) Non-profit Public Benefit Corporation that serves as an umbrella organization and operates ten (10) community based programs. The "Service" focuses on the neediest individuals in the community. They provide supportive services to individuals that are developmentally disabled, mentally ill, physically disabled, homeless Veterans, Social Security beneficiaries, and those struggling with addiction. Services offered: Representative Payee Ser...

Social Security Administration assists with: Taking claims for retirement benefit paymentsSurvivors benefitsDisability benefitsSupplemental Security Income (SSI)Medicare health insurance benefitsIn addition to administering these payments, it also administers supplemental payments provided by the State of California.Online services: A number of services are available online by visiting www.ssa.gov/onlineservicesOther local office sites:1110 West Kettleman Lane, Suite 3, Lodi (888) 257-2641510 Co...

Franchise Tax Board is the agency responsible for collecting state personal income tax as well as bank and corporation taxes for the State of California. Both English and Spanish languages are spoken. Additional information is available on their website. Fees vary depending on individual gross income.

Workers Compensation Appeals Board provides medical care with rehabilitation and no deductible. While recovering, workers may be paid disability payments which are tax-free. This no-fault insurance is paid by employers and supervised by the State of California.

State Disability Insurance (SDI) is a partial wage-replacement insurance plan for California workers. The SDI program is state-mandated and funded through employee payroll deductions. SDI provides affordable, short-term benefits to eligible workers. Workers covered by SDI are covered by two benefits: Disability Insurance (DI) and Paid Family Leave (PFL).The eligibility requirements are: PFL was established for workers who suffer a loss of wages when they need to take time off from work to care...

Stockton Arts Commission serves as the arts advocacy commission for the City. The Commission is a catalyst to support and strengthen community awareness, opportunities, and involvement in arts and culture. Since 2003, the Stockton Arts Commission has awarded nearly $1,000,000 to support, stimulate, and strengthen the arts in Stockton. These grants help non-profit arts organizations, artists (including student artists), and art educators serve a diverse community.The Commission was founded by Ma...

Stockton Impact Corps offers a myriad of services to help with business start-up. This includes: financial literacybusiness planning and guidanceentrepreneurship educationbusiness loan readinesslicensing support and more.

Stockton Scottish Rite of Freemasonry provides community services in the form of college scholarships and interest-free college loans. Scottish Rite also sponsors a clinic for childhood language disorders where no fees are charged, although voluntary donations from parents and the public are accepted. Scottish Rite Medical warehouse is open and running. The Almoner can be reached at (209) 603-1049.

United Way has three primary focus areas; education – helping children and youth achieve their potential; health – improving people’s health; and income – helping families and individuals become financially stable and independent. They believe that these are the building blocks for a good life and for people to be happy, healthy, successful members of society.They address the educational, health and income needs of our community through analyzing those needs, investing in local non-profit agenci...

Community Involvement Program (CIP) is a scholarship and retention program for first-generation college students from the Stockton community who have demonstrated the potential for sustainable leadership, community awareness, and involvement. CIP was established in 1969 to provide educational opportunities to the local community and diversify the University of the Pacific campus. More than 1,000 students have graduated from the program. The program provides access to college for low-income st...

Homebuyer Education and Counseling: Visionary conducts a variety of classes and one-on-one counseling courses to help you weave through the maze of affordable housing. These courses, taught in both English and Spanish include: Buying a Home; Homebuyer Education; and Rental Counseling/Assistance. As you work with a housing coach, you will gain confidence in pursuing your dreams of homeownership. The education you receive will assist you in making wise financial decisions. They are here to help yo...

Native TANF Program provides cash assistance, emergency services, child care, transportation assistance and other supportive services. There is an emphasis on providing employment, education and wellness services so that all participants can increase the likelihood of self sufficiency.