Folks, for all of you who are struggling financially there is a network of agencies funded by the Federal Government know as Community Action Programs (CAPS). They may go by different names locally, but CAPS can be found in all 50 States and even in Baghdad.

CAPS do not provide hand-outs, we provide a hand up. Funded since 1965 by the Community Services Block Grant of the US Department of Health and Humans Services, with the purpose of helping people become "economically self-sufficient." Most programs can connect you with a case manager who is knowledgeable about various programs like SSDI and its limitations. A case manager is like a life-coach who helps you set financial goals and encourages you along the way. Many CAPS have first-time, or low-income homebuyer training that often qualifies you for special financing with participating banks.

The long and short of it is...you don't have to go it alone. CAP agencies and their thoughtful, committed staff have helped thousands of people. Try to find your nearest agency on-line: Community Action Partnership - Home Page