5 Little-Known Government Programs That Could Save You Money.When people think about government assistance, they usually imagine well-known programs such as food stamps (SNAP), Medicaid, or unemployment insurance.
But beyond those headline benefits lies a whole ecosystem of lesser-known programs which are designed with the aim to help the families and individuals cut expenses, build stability, and even invest in their future.
If rising living costs have left you stretching every dollar, tapping into these programs could be a game-changer. Below, we will explore five little-known government programs that could save you real money, from reducing internet bills to funding a return to college. This blog will also cover the details about who qualifies, how to apply, and why these programs are often overlooked.
5 Little-Known Government Programs That Could Save You Money-Overview
| Article on | 5 Little-Known Government Programs That Could Save You Money |
| Affordable Connectivity Program (ACP) | Free/discounted internet + $100 device discount |
| Lifeline Program | Cuts $9.25/month off phone or broadband bills |
| Federal Pell Grant | Up to $7,395 per year for college/trade school, no repayment |
| LIHEAP | Helps pay utility bills + funds home weatherization |
| Free Tax Prep (VITA/TCE) | Free filing + ensures credits like EITC are claimed |
Affordable Connectivity Program (ACP) – Free or Discounted Internet
High-speed internet is not a luxury anymore as it is a necessity for school, work, and daily life. Yet millions of households struggle to afford it. The Affordable Connectivity Program (ACP) bridges this gap by offering eligible families a $30 monthly discount on broadband service (and up to $75 for those on Tribal lands). Many internet providers have agreed to create plans that cost no more than $30, meaning qualified households get internet at no cost.
Who qualifies?
- Households at or below 200% of the federal poverty level.
- Those who already participate in programs like SNAP, Medicaid, SSI, or Federal Public Housing Assistance.
How to apply:
Visit GetInternet.gov to submit an application or check eligibility.
Why it matters:
Reliable internet helps families access online education, remote jobs, telehealth, and vital resources without straining the budget.
Lifeline Program- Lower Your Phone Bill
Before ACP, there was Lifeline, a longstanding program run by the Federal Communications Commission (FCC). Lifeline offers a monthly discount of up to $9.25 on either landline, cell service, or broadband. On Tribal lands, the benefit can be even higher.
This program is particularly helpful for those who may not qualify for ACP or who need help covering phone service specifically. Since many job applications, healthcare portals, and even schools require phone verification, Lifeline ensures low-income households stay connected.
Who qualifies?
- Households at or below 135% of the federal poverty guidelines.
- Those enrolled in programs like Medicaid, SNAP, SSI, or TANF.
How to apply:
You can check providers in your area at the official Lifeline National Verifier.
Why it matters:
Between ACP and Lifeline, households can potentially combine benefits to keep both internet and phone service affordable.
Federal Pell Grant- Free Money for College
Student loans often dominate headlines, but did you know that millions of students already get thousands of dollars in government grants each year as money that never needs to be repaid?
The Federal Pell Grant Program, run by the Department of Education, is designed to make higher education accessible to students from low-income families. For the 2023–2024 academic year, awards range up to $7,395 per student.
Who qualifies?
- Undergraduate students without a prior degree.
- Family income and expected contribution must fall below certain thresholds.
- Must attend a participating college, university, or trade school.
How to apply:
Complete the Free Application for Federal Student Aid (FAFSA) at studentaid.gov.
Why it matters:
Unlike student loans, Pell Grants don’t create debt. They are one of the smartest ways to cut the cost of higher education and boost earning potential.
Low-Income Home Energy Assistance Program (LIHEAP)- Help With Utility Bills
Heating and cooling costs can crush a tight budget, especially during harsh winters or blazing summers. That is where the Low-Income Home Energy Assistance Program (LIHEAP) comes in. This federally funded program helps families cover utility bills and may also provide weatherization assistance, making homes more energy-efficient and lowering long-term costs.
Who qualifies?
- Households with income at or below the state-set threshold (usually 150% of the federal poverty level).
- Participants in SNAP, SSI, or TANF are often automatically eligible.
How to apply:
Applications are handled locally as find your state’s LIHEAP office through the Office of Community Services website.
Why it matters:
Energy costs are unpredictable and rising. LIHEAP not only provides immediate relief but can help weatherize your home to reduce future bills.
Free Tax Preparation Services- Save Hundreds During Tax Season
Tax season can be stressful and expensive if you rely on paid preparers. But few people realize the IRS funds free tax preparation programs through the Volunteer Income Tax Assistance (VITA) and Tax Counseling for the Elderly (TCE) programs.
Who qualifies?
- VITA: Households earning $64,000 or less.
- TCE: Primarily for taxpayers age 60 and older, with a focus on retirement and pension-related questions.
How to apply:
Search for free tax prep sites near you at the IRS Free Tax Prep Locator.
Why it matters:
Filing taxes correctly can unlock refunds, prevent costly mistakes, and save you hundreds in preparation fees.
Bonus: Temporary Assistance for Needy Families (TANF)
While more widely known than the programs above, TANF deserves mention. It provides short-term cash assistance for families with children, along with support services like child care and job training. Each state runs its own version, so benefits vary but for some families, it can provide a crucial lifeline while they work toward self-sufficiency.
Final Thoughts
From free internet to energy assistance, these little-known government programs can put hundreds or even thousands of dollars back in your pocket each year. While they often fly under the radar, taking the time to explore your eligibility is well worth it.
FAQs for 5 Little-Known Government Programs That Could Save You Money
No, because the grants and assistance programs are not like loans as they don’t need to be repaid to the payer.
Yes, many households benefit from multiple programs, such as ACP for the internet and SNAP for food.