The COVID-19 pandemic created financial hardship for millions of individuals, families, and small businesses. In response, federal, state, and local governments introduced programs to help people recover. From stimulus checks to funeral assistance, many forms of covid financial assistance are still available, especially for those who are struggling with debt, job loss, or housing issues.
This guide will walk you through key support options still active in 2025, including how to qualify, what forms to fill out, and where to get help.
COVID-19 financial assistance programs were created to support people affected by the pandemic, especially those unable to work, those who lost loved ones, or those whose income dropped suddenly. Many of these programs were part of large federal efforts like the American Rescue Plan Act. Others were run by local governments, nonprofit agencies, or even private organizations.
Available support includes:
Even though the public health emergency has ended, some aid continues. If you were affected by COVID-19 and haven’t accessed help, now is the time to review your options.
The American Rescue Plan Act (ARPA) was signed into law in 2021 and included major relief efforts for individuals and families. It expanded many programs, including:
You may still be eligible for assistance under ARPA provisions if you didn’t claim all your benefits. Some states and territories still offer programs that use leftover ARPA funds. Check with your local housing department or state relief office to learn what’s available in your area.
One of the most impactful changes during the pandemic was the temporary expansion of the child tax credit. In 2021, eligible families received monthly payments rather than waiting until they filed taxes.
Although the monthly advance payments have ended, you may still be able to claim missing child tax credit payments when you file your tax return. This includes families that didn’t usually file taxes due to low income. If you missed out, filing a return for the tax year 2021 may allow you to access funds you qualify for.
Even if your family’s income changed or you experienced job loss, you may still meet the income criteria for these credits. For those unsure of how to file, visit IRS Free File to get started.
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One little-known program still available is FEMA’s funeral assistance benefit. This program reimburses families for funeral expenses of individuals who died from COVID-19. If you lost a loved one due to the virus, you may be eligible for up to $9,000 in reimbursement.
To qualify:
You can apply by calling FEMA’s COVID-19 Funeral Assistance Line at 844-684-6333 or visiting the official FEMA page. Be ready to submit a death certificate, receipts, and proof of any other payments received.
For help writing a hardship letter related to funeral or medical debt, you can use this free hardship letter template.
Many people who didn’t normally file taxes found it necessary during the pandemic in order to claim relief payments or credits. If you didn’t file a tax return for 2020 or 2021, you may have missed out on:
Filing a late return for those years might still be possible, depending on IRS deadlines and your situation. To learn how to get started, read our guide: How to Write a Hardship Letter and reach out to a qualified tax preparer or nonprofit counselor.
You can also access helpful information from USA.gov about financial support for bills, food, and other household needs.
Many states used COVID-19 funding to create programs that help households cover rent, utilities, and even internet bills. These programs often focus on:
Check with your local housing department or visit ConsumerFinance.gov for tools and up-to-date program listings. Even if funding has expired in some areas, you might qualify for emergency housing support or receive help paying overdue rent.
For renters and homeowners experiencing ongoing hardship, our guide on credit card debt during the pandemic explains how to protect your credit while prioritizing essential bills.
Small businesses were hit especially hard by the pandemic, with many experiencing closures, staff layoffs, or rising costs. While programs like the Paycheck Protection Program (PPP) and Economic Injury Disaster Loans (EIDL) are no longer accepting new applications, other resources remain.
You may be eligible for:
For the most current list of programs, visit your state’s department of economic development or local Small Business Administration (SBA) office. Business owners may also find help through nonprofit counseling and coaching programs focused on business credit and budget recovery.
Even if you closed your business, tax credits or other unclaimed funds might still be available. Don’t leave money on the table.
After years of travel restrictions, many Americans are eager to explore again. But post-pandemic travel comes with new challenges: higher prices, stricter cancellation policies, and shifting health requirements. That’s why planning ahead is more important than ever.
If you’re rebuilding your budget after the pandemic, take a look at our article on post-COVID travel tips. You’ll find practical strategies for managing travel expenses, using credit wisely, and setting financial goals before booking a trip.
Remember, travel is not an emergency. Make sure your rent, utilities, and credit card bills are up to date before planning a vacation.
If you’ve lost someone during the pandemic or have outstanding hospital bills, don’t ignore them. Medical and funeral expenses are often negotiable, especially if you’re facing financial hardship.
Here’s what you can do:
Download our financial hardship letter template to get started. You can also read real-world advice in our guide to hardship letters.
Many people don’t apply for aid because they assume they’re not eligible. But you don’t have to be unemployed or living in poverty to qualify for help.
You may be eligible for covid financial assistance if:
Eligibility often depends on income, family size, and documentation. If you’re unsure, apply anyway. Many programs only require basic forms and proof of need.
If you’re still feeling overwhelmed, you’re not alone. At Credit.org, we provide one-on-one guidance to help you recover financially and regain control. Whether you’re struggling with debt, housing, or unexpected bills, we’re here to help.
Our counselors can guide you through:
Call us today or visit Credit.org’s Disaster Recovery Services to connect with a certified counselor. You’ll find resources, support, and a path toward peace of mind.
