Sengov Resource Library

Explore verified programs, benefits, and step-by-step guides designed to keep households connected to essential services across the nation.

Updated September 24, 2025 • 6 min read • 1,157 words

Best credit cards for low income families

When you're juggling monthly bills, from groceries to utilities, and have a limited income, finding the right credit card can make a significant difference

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Updated October 2, 2025 • 3 min read • 626 words

New Jersey Home Ownership Preservation Effort (NJ HOPE)

alliance was created to help homeowners throughout the state. The organization is a collaborative effort that was formed to help families and individuals keep their homes, avoid or stop a foreclosure, and to provide information and access

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Updated October 2, 2025 • 2 min read • 406 words

Countrywide mortgage assistance in New Jersey

Residents of New Jersey will be receiving almost $5 million in mortgage and foreclosure help from Countrywide Financial Corp. as part of a settlement from a lawsuit that accused Countrywide of unfair practices

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Updated October 2, 2025 • 3 min read • 631 words

From the Old Mortgage Stabilization Program to Today’s ERMA

The Mortgage Stabilization Program signed into law in January 2009, once administered by the New Jersey Housing and Mortgage Finance Agency (then HMFA), was designed to help homeowners avoid foreclosure by providing a non-amortizing state

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Updated September 24, 2025 • 4 min read • 782 words

Property Tax Consultant Helps Lower Property Taxes

Property tax consultants have a role that is similar to property tax attorneys. There are some slight differences between them though, namely in their educational levels. For example, consultants will generally not have a special law degree

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Updated September 24, 2025 • 7 min read • 1,373 words

Income based repayment student loan program

The new federal government student loan assistance program, called income-based repayment, puts a maximum amount that someone can owe and also limits the monthly loan payments to a fixed percentage of the borrower's monthly household income

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Updated September 24, 2025 • 4 min read • 792 words

Student loan forgiveness volunteer

There are several organizations that will pay off a portion of or your entire student loan. Find details on government as well as volunteer programs below. Or these groups will allow you to postpone payments of the loan

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Updated September 24, 2025 • 6 min read • 1,169 words

Student loans deferment and forbearance

A student loan deferment is when the lender or servicer grants you a temporary suspension of your monthly payments. This additional time that is given to the borrower will in effect provide a way to help you catch up on payments with your s

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Updated September 24, 2025 • 7 min read • 1,402 words

Consolidate student loans

Over 40 millions Americans hold a record-breaking amount of student loan debt. There are ways to consolidate these student loans for free, which will provide lower interest rates as well as a more streamlined repayment process

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Updated September 24, 2025 • 11 min read • 2,192 words

How to use 0% balance transfer credit cards

There are a number of credit card companies that offer zero percent balance transfer deals. Anyone can apply for them, but they generally are targeted towards borrowers with decent credit scores

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