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 • 8 min read • 1,590 words

Pfizer patient assistance programs

Find how to apply to the Pfizer patient assistance program (PAP) and how it can help low to moderate income families get the prescription drugs they need. Dozens of medications are available for free or at a greatly reduced price

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Updated September 24, 2025 • 4 min read • 832 words

Novo Nordisk Patient Assistance Program

The Novo Nordisk Patient Assistance Program (PAP), which is part of the pharmaceutical companies NoveCare financial resources, is designed for people living with diabetes or that have other medical needs

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Updated September 24, 2025 • 8 min read • 1,537 words

Free Christmastime Activities for You and the Kids

The holiday season is a time of fun, frivolity and family - and lots of spending. If you are seeking free activities for you and your family, or if your credit cards are stretched to the limit and your wallet is suffering from fatigue, it

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Updated September 24, 2025 • 7 min read • 1,458 words

Cheap and Free Things To Do In Toronto

Toronto is one of the best cities in the world for tourists. It is an up and coming destination for Americans as well, especially those who live in the northeast and Midwest

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Updated September 24, 2025 • 10 min read • 1,921 words

Free Ways to Have a More Energy-Efficient Life

The cost of living is one "absolute" in your life that will, unfortunately, never change over time. Some things may be more controllable, such as your monthly utility bills, so we have a list of free steps to take to save energy as the cost

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Updated October 2, 2025 • 6 min read • 1,280 words

Bankruptcy can stop foreclosure

An option to stop a foreclosure is to file for bankruptcy. Taking this step could automatically delay or stop a foreclosure that may be in process, and it could also reduce your other unpaid debts, if not cancel them

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Updated September 24, 2025 • 3 min read • 571 words

Louisville Kentucky Chase Center

Borrowers in Louisville Kentucky can get help from a Chase homeownership center. Homeowners ow have the ability to meet face to face with a housing counselor to discuss a variety of ways to get help with their mortgage, and access to tools

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Updated October 2, 2025 • 6 min read • 1,141 words

How to loan modification and questions

Here are several questions you should ask when trying to find a loan modification company and some key takeaways for how to get your home mortgage modified.

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Updated October 2, 2025 • 8 min read • 1,657 words

Low interest rate loan modifications

Many loan modifications are resulting in lower interest rates and payments for homeowners. Last quarter, almost 80% of all loan modifications resulted in lower mortgage payments

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Updated October 2, 2025 • 5 min read • 984 words

Streamlined Modification Initiative

Receive assistance in modifying your home loan from the Federal Housing Finance Agency Streamlined Modification Initiative. The federal government FHFA organization is trying to provide mortgage assistance to hundred of thousands of homeown

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Updated September 24, 2025 • 4 min read • 715 words

Kentucky Unemployment Bridge Program

The federal government is providing Kentucky tens of millions of dollars in aid as part of the federal government hardest hit fund. The state will be using the money to create the Kentucky Unemployment Bridge Program

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