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Personal Finance: Financial Hardship


  •   Easy access to information about federal and state benefit and assistance programs.
  • Coping with Debt   Guidance from the Federal Trade Commission on debt relief options.
  • Dealing with Job Loss   A FINRA resource for managing the financial burden of unexpected job dislocation.
  • Job Seekers/Unemployed Portal   A U.S. Department of Labor list of resources and services for job seekers or those who have been affected by unemployment.
  • Making Home Affordable® Program   A federal government resource to assist struggling homeowners with avoiding foreclosure.
  • Rental Assistance Information   U.S. Department of Housing and Urban Development information geared to help renters.
  • Supplemental Nutrition Assistance Program   Eligibility and application information for those seeking food stamps or other public assistance.
  • Avoiding Foreclosure   Authoritative information from the U.S. Department of Housing and Urban Development for homeowners facing foreclosure.
  • Divorce and Social Security   Information on Social Security retirement benefits for those who are divorced.
  • Example of Mortgage Hardship Letter   An example of a hardship letter for those struggling to keep current on their mortgage. is a nonprofit housing counseling agency approve by the U.S. Department of Housing and Urban Development.
  • Financial Hardship Withdrawals—Thrift Savings Plan   Eligibility requirements to be considered for financial hardship withdrawals under the Thrift Savings Plan, a retirement savings and investment plan for federal employees.
  • Know Your Options   A tool from Fannie Mae to help consumers understand their options prior to foreclosure.
  • Lender Hardship Program   Information on getting into a lender hardship program from Money Management International, a nonprofit credit counseling agency.
  • National Association of Consumer Bankruptcy Attorneys   This site includes an Attorney Finder service that assists consumers with finding a bankruptcy attorney. (Only attorneys who are members of the association are listed.)
  • U.S. Federal Bankruptcy Courts   Explains the different types of bankruptcies; includes information about how to find legal help.
  • U.S. Federal Bankruptcy Laws   An overview of bankruptcy, steps in the bankruptcy process, and information about federal bankruptcy laws.


American Library Association.  Financial Literacy in Public Libraries: A Guide for Building Collections.
      My thanks go to ALA for inventing this wheel for me.

Thrall Library's Links for Investors.

CFPB's list of financial educational resources

ALA Recommended Books

Additional Books @ PRPL