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Annual Credit Report allows you to view your credit file disclosure (commonly called a credit report) at no charge once every twelve months from each of the nationwide consumer credit reporting companies (Equifax, Experian, and TransUnion). You can view and print your credit report online.
Low income households meeting the following criteria:
AT&T Access Internet Program offers high-speed internet for qualifying households. There are no contracts, no deposit, and no installation fee. Also includes in-home Wi-Fi gateway and access to the entire national AT&T Wi-Fi Hot Spot network at no extra cost. Please visit the website or call to apply.
Veterans who served on active duty a minimum of 90 days (not including training purposes), during wartime or peacetime periods, under honorable conditions.
California Department of Veterans Affairs and its CalVet Home Loan program are committed to helping veterans and active duty personnel attain the American Dream of home ownership. Competitive market interest rates with low or no down payment are offered. The eligibility guidelines have been expanded so that nearly any veteran interested in purchasing a home in California is eligible. Please visit the website for detailed information. You may use the menu on the right hand side of this page to get detailed information about the CalVet Home Loan program.
If you are ready to buy a home, CalVet is available to meet your home financing needs. You will find many features and benefits with a CalVet loan that will save you money and help protect your investment for your family.
You can qualify for California LifeLine if you or another person in your household is enrolled in any one of the following public-assistance programs:
You can also qualify for California LifeLine if your households total annual gross income is at or less than the established annual income limits.
California LifeLine Program is a state program that provides discounted home phone and cell phone services to eligible households. California LifeLine discounts help consumers lower the cost of their phone bills. Only one discount per household is allowed (except for teletypewriter users and for Deaf and Disabled Telecommunications Program participants). Each household must choose to get the discount either on a home phone or on a cell phone, but not on both.
For more information, you can call or also use the Chat Now option on the website.
To qualify for California Water Service Company Customer Assistance Program (CAP) you need the following:
Maximum Household Income (effective June 1, 2023 – May 31, 2024).
To be eligible for CAP based on household income, your household’s gross annual income may not exceed the guidelines. Please visit the website.
California Water Service Company Customer Assistance Program (CAP) provides a monthly discount service charge for qualified residential customers in a Cal Water regulated service area. Please call or visit the website for an application.
California’s Low Cost Automobile Insurance Program is a state-sponsored program that makes insurance affordable for California residents who meet the eligibility requirements, regardless of immigration status. Wherever you live, youll find these policies more affordable than what most private plans offer. Payment plans are available for as little as 20% down. Major credit or debit cards are accepted. These policies are issued by California-licensed insurance companies. Additional coverage options are also available.
Vary by program, please see below.
Homelessness Prevention provides short-term, one-time rental and/or deposit assistance to qualifying households that meet all federal and local eligibility requirements. All households must undergo an application and review process through Central Valley Low-Income Housing Corp. Households that believe they meet eligibility requirements should contact Central Valley Low Income Housing for full details.
Homeless Prevention Program: Households must have documentation that they are imminently at risk of becoming homeless as defined by the U.S. Housing and Urban Development Department under the HEARTH Act. Household income must be less than 30% of the areas median income based on household size.
Emergency Solutions Grants (ESG) Rapid Re-Housing Program: Households must meet the definition of homelessness under Category one or Category four as defined by the U.S. Housing and Urban Development Department. Households may be single adults or families with children.
Households must be able to demonstrate the capability of being self-sufficient following assistance. Assistance is usually limited to less than three months. Households must be residents of San Joaquin County. Units assisted must meet FMR limits.
Must be "chronically homeless" as defined by the U.S. Department of Housing and Urban Development (literally homeless, permanently disabled (mental or physical), homeless for at least one year in the past three years, capable of independent living).
Eligibility requires evidence of residency in San Joaquin County. Enrollment is also dependent on an assessment of need and other requirements as required by federal regulations set forth in the HEARTH Act.
Permanent Supportive Housing is primarily directed to serving the needs of households consisting of an adult homeless person with a permanent disabling condition but also serves homeless households where the head of household is disabled. The program provides rent support and strongly encourages that qualifying participants receive ongoing support services from either the referring agency or a social service agency. Additionally, a self-sufficiency plan is developed with specific goals to assist members of the household toward self-sufficiency. Households must be able to provide for basic living needs in addition to rent.
Households that believe they meet eligibility requirements should contact Central Valley Low Income Housing for full details.
Eligible households must be residents of San Joaquin County and homeless to qualify, as well as other program eligibility requirements.
Rapid Re-Housing is a federally funded temporary rental assistance program (normally not exceeding twelve months) for qualified homeless families that are living in a shelter, living on the streets, or receiving one-time homeless assistance from the Human Services Agency. Families can receive rent and deposit assistance, according to documented need of the household; continuing eligibility is reviewed at least every three months. The head of household must also participate in a plan toward self-sufficiency (education, training or employment).
If you are a family with minor children living in a homeless shelter, in your car, or in another place not meant for human habitation, rent and deposit support may be provided to help you enter permanent housing. Extremely short-term rent and deposit support may also be provided if you are a household without children.
Households that believe they meet eligibility requirements should contact Central Valley Low Income Housing for full details.
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Chinese Cultural Society of Stockton (CCSS) is devoted to enlightening the community about the Chinese culture and its impact on the region. Monthly meetings are held, and the Society also sponsors an annual Chinese New Year festival on the second Saturday in March.
Fundraisers are held to provide scholarships that are distributed every year and other community partnerships. If you wish to become a member or for more information on scholarships, please contact by email.
Low-income families
City of Stockton Economic Development Department provides the following assistance to qualified low and moderate income City of Stockton residents:
The Housing Division administers programs that create housing opportunities for residents of Stockton through down payment assistance, emergency repairs, and neighborhood improvements.
Available Housing Programs:
California residents
Covered California is an easy-to-use marketplace implementing the federal Patient Protection and Affordable Care Act in California. Through Covered California, you and your family can compare affordable, quality health insurance options and choose the one that best fits your needs and budget.
By law, your coverage cannot be dropped or denied if you have a pre-existing medical condition or if you get sick. You may even be able to get financial assistance through Covered California to make your health coverage more affordable.
You can receive free, confidential, in-person help in your area. Please visit the website to find a certified enrollment counselor or chat with a live service center team member.
To review eligibility requirements and apply, visit www.bar.ca.gov.
Consumer Assistance Program offers eligible consumers repair assistance and vehicle retirement options to help improve Californias air quality. Eligible consumers may receive up to $1,200 in emissions-related repairs at a STAR test-and-repair station if their vehicle fails its biennial Smog Check inspection. Eligible consumers may receive either $1,500 or $1,000 to retire their operational vehicle at a BAR-contracted dismantler site.
Note: Participation is based on meeting eligibility requirements and the availability of funds each fiscal year (July 1 – June 30).
Earned Income Tax Credit (EITC) eligibility criteria:
Use the online income calculator to determine if you qualify.
CalEITC is a cash back tax credit that puts money back into the pockets of Californias working families and individuals, available for the first time in 2016. CalEITC could boost income for an estimated 600,000 eligible families. You must file a tax return in order to receive this cash back tax credit. You can file your taxes for free in person through the Volunteer Income Tax Assistance (VITA) program or online.
All information regarding CalEITC is available at the website listed, including helpful materials available for print, to help you understand the EITC to get the most money back this tax season.
Must be an active cash aid recipient.
FamilyWORKs (previously known as CalHEPP Program) is helping to build stronger families through virtual and in-person home visiting. Supports families by getting kids ready to succeed in school, providing helpful information and activities for you and your child to enjoy with items you may already have in your home, connecting parents with community resources and helping with online searching and applying for jobs.
Residents of San Joaquin County.
Family Resource Center is a non-profit organization that focus on quality childcare services for all parents, childcare providers, and children of San Joaquin County and the surrounding areas and providing child development and parenting education, nutrition classes, and health and safety training.
Services include:Vary
Federal Student Aid, a part of the U.S. Department of Education, is the largest provider of student financial aid in the nation. The office of Federal Student Aid helps make college education possible for every dedicated mind by providing more than $120 billion in federal grants, loans, and work-study funds each year to more than 13 million students paying for college or career school.
For more information or to apply for FAFSA, please visit the website.
Full or part-time students, faculty and staff at any California Community College. Vendors may request identification verifying eligibility when purchasing a product.
CollegeBuys, powered by the Foundation for California Community Colleges, offers discounts of up to 85 percent on a wide-range of educational products from industry-leading software and technology and high quality office and classroom furniture. Community college students are eligible for discounts on products that will help them complete their education. Find the latest discounts at CollegeBuys.org or sign up to receive updates and product information via email.
CollegeBuys now is offering California Connects Mobile Internet powered by Sprint. Nationwide coverage and no contract required. Enjoy 4G LTE connectivity on any WiFi-enabled device with California Connects. Initial cost of hotspot device and first month subscription required, monthly internet is $19.99 thereafter. With 30 GB of data, students, faculty, and staff can stay connected to the internet in school and at home. Coverage and network availability varies by area. See sprint.com/coverage for details. Price valid only for California residents.
Please visit the website at http://store.collegebuys.org/
Services are provided for individuals that are on SSI and need services to pay bills and budget money.
Payee Services is designed to assist clients who receive Social Security Income (SSI) for disability and/or mental health problems manage and budget monthly checks. Payee Services operate the largest homeless focused non-profit Representative Payee in San Joaquin County overseeing accounts totaling over six million dollars.
The purpose is to provide services that ensure the payment of rent, utilities and food needs first, and then provide the recipient with funds that will provide for the purchase of personal care items and services out of the clients remaining resources. Services will be provided in a way that encourages and respects client dignity and participation in determining the use of funds.
Energy for All offers a no-cost solar program. By leveraging state and local tax incentives, the program offers solar installations on homes at no cost.
To be eligible, you must:
Enter your address here to see if you are in an area served by GRID Alternatives (red zone): http://oehha.maps.arcgis.com/apps/View/index.html?appid=c3e4e4e1d115468390cf61d9db83efc4
GRID Alternatives is a California-based nonprofit organization that makes renewable energy technology accessible to underserved communities. The organization brings solar at no cost to income-qualified homeowners living in communities most impacted by environmental pollution.
The goal of GRID Alternatives is to help families save on electricity bills, helping to alleviate financial burdens while reducing the carbon footprint. The beneficiaries of the program typically save 60% or more on their electric bill. Each solar installation also provides hands-on solar training for volunteers and job trainees while spreading clean, renewable energy in the communities that need it the most.
To make these projects possible, GRID Alternatives partners with local government, other non-profits and community organizations to bring solar to lower income families. Since 2004, the organization has installed over 14,000 solar systems nationwide, has been recognized as a Champion of Change by the Obama Administration and is working with the White House to make solar a more inclusive industry.
Please visit website for more information.
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Internal Revenue Service (IRS) is the United States government agency responsible for the collection of federal taxes and enforcing tax laws. Information is available on the website.
To qualify for this affordable Internet service and a low-cost computer, your household must meet all these criteria:
Internet Essentials from Comcast brings the power of the Internet to more students and families across the country. It offers fast, affordable home Internet service for only $9.95 a month to qualifying families. You can apply online or call for more information.
While participating in Internet Essentials:
Able to complete intake
Support for the unsheltered (mail service, no-cost or reduced fee CA ID, connection to temporary shelters, substance abuse programs, and transition housing)
Responses to hunger (connection to emergency food closets, pantries, and pop-ups)
Emergency vehicle repairs (examples: replacement of a flat tire or battery, smog, etc.)
Crisis related to outstanding utility bills and rent
Replacement of broken major appliances
Furnishings to make a house a home (small home goods, dining tables, chairs, beds, dressers, etc.)
Financial education
Wellness supports
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Making Home Affordable Program (MHA) helps homeowners in avoiding foreclosure, stabilizing the countrys housing market, and improving the nations economy. If expenses have increased due to medical bills or picking up the pieces after a separation or divorce, this program is available. There are a variety of MHA programs that may help homeowners having difficulty making mortgage payments. Please visit the website or call for more information.
Must meet the following criteria:
Medi-Cal Access Program (MCAP) offers low-cost health coverage for mid-income pregnant women. It has been designed for middle income families without health insurance and whose income is too high for no-cost Medi-Cal. MCAP is also available to those who have health insurance if their deductible or co-payment for maternity services is more than $500. If you qualify for MCAP, your baby is automatically eligible for enrollment in the MCAP Infant Program unless your infant is enrolled in employer-sponsored insurance or no-cost Medi-Cal. Please contact the toll free number for more information or visit the website to complete the infant registration form.
Available for students and educators with a valid school email address.
Microsoft Office 365 Education is available for students and educators at eligible institutions.
It offers the following free software programs:
To enroll, you will need a valid school email address. To learn more, please visit the website.
Anyone seeking to reduce their debt and/or use their money more effectively.
Money Management International provides consumers with quality consumer education and credit counseling.
Debt Management Plans are available to customers who want to become debt-free. Consumers meet with a certified credit counselor who will review their budget and debt and then create a plan to live within the budget and still become debt free.
Education programs are available through online and workshop formats. Courses include Homebuyer Education, Debt Management Plans and other multiple online courses.
Homebuyer Education courses provide consumers with the opportunity to learn the process of purchasing a home. Tips include budget and credit as well as the role of lender, realtor, title company, inspectors and insurance.
Money Management International has been approved to issue certificates evidencing completion of a personal finance management course in compliance with the Bankruptcy Code. This course is offered by telephone or webinars.
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MyMoney.gov is a U.S. government website dedicated to teaching all Americans the basics about financial education. Whether you are buying a home or balancing your checkbook, the resources on MyMoney.gov can help you maximize your financial decisions. Throughout the site, you will find important information from 20 federal agencies designed to help you make smart financial choices. The site also contains activities and tools for adults and youth on earning, borrowing, saving, investing, spending and protecting money. For individuals who do not have internet access, the toll free phone number is available.
Please see below.
Pacific Gas & Electric (PG&E) California Alternate Rates for Energy (CARE) Program gives qualified households deep discounts on their energy bills. Average discount is about $500 per year. Applications are now available online.
You can also apply for a monthly discount on your electric bill through the Family Electric Rate Assistance (FERA) program if your family meets program guidelines.
Guidelines for the programs are as follows:
Each patient assistance program has its own eligibilty criteria. Please visit website and complete application to determine eligibility.
Partnership for Prescription Assistance helps qualifying patients without prescription drug coverage obtain the medication they need at low or no cost. The mission is to increase awareness of patient assistance programs and boost enrollment of those who are eligible. You can also find a free or low-cost clinic near your home or workplace. Visit Help With Prescription Medications through Patient Assistance Programs (scbn.org) for more information.
Please see below.
PREVAIL (formerly Womens Center - Youth & Family Services) has been San Joaquin Countys primary provider of free, confidential services and shelters specifically designed to meet the needs of homeless and runaway youth and victims of domestic violence, sexual assault, and human trafficking. Through these programs and services, victims can heal, restore hope, strengthen families, and build a safer community.
Services offered by PREVAIL include:
Shelter Programs (Crisis Specialists are available 24/7 to complete an assessment over the phone to determine if an individual is eligible for these programs):
Low income Stockton, French Camp, Lathrop, Tracy, Escalon and Manteca residents.
Salvation Army, Stockton assists needy families with emergency food, clothing and furnishings when their homes have been destroyed by fire or any form of disaster or calamity. Salvation Army also provides assistance with paying for a PG&E bill through its Dollar Energy program. No requirements for the Youth Center.
Stockton Salvation Army sites:
Individuals with psychiatric or cognitive impairments such as Dementia/Alzheimers. Only clients of Behavioral Health may utilize the Payee services.
Public Guardian/Conservator’s Office assists people who need protection of their personal needs and/or estate due to their psychiatric or cognitive impairments. Payeeships are offered for people who have mental health diagnoses and are receiving Social Security and/or Veterans benefits.
Must be low-income (some programs are not income based). To qualify for emergency food, must bring in documentation. Please call to learn what documentation is needed for each family member.
Garden Acres Community Center participates in the government commodity program for individuals meeting income and residence requirements. Food is distributed on the third Thursday of the month at 8:00 a.m. to qualifying individuals living in the 95212, 95215 and 95236 zip codes. Emergency food is distributed on Tuesdays with registration from 9:00 a.m. to 11:00 a.m. and pick-up from 12:00 p.m. to 2:00 p.m. Donated food is distributed on most Mondays, some Wednesdays, and Fridays at 11:00 a.m.
Please contact the Center for most updated distribution days and times.
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San Joaquin County Department of Child Support Services provides the following services:
Programs are funded by the state and federal governments and eligibility is based upon their guidelines.
San Joaquin County Human Services Agency is the communitys provider of those services essential to the well-being of county residents. While all of the programs are locally administered, most are federally and/or state-funded. The mission is to lead in the creation and delivery of services that improve the quality of life for the community. Human Services Agency provides a variety of programs and services locally. These programs include:
Low-income individuals and families. First priority is given to households with high monthly energy costs, seniors, disabled, and children under the age of 5.
Home Energy Assistance Program (HEAP) assists qualified residents with their energy costs. Households may apply once per year for payment of an electric, gas or propane utility bill. Assistance is contingent upon availability of program funding. Residents can find additional information by visiting the website.
Required documents:
Individuals who are potentially eligible for Medi-Cal include those who are:
Income levels are different for pregnant women and disabled or elderly populations. Individuals between the ages of 26 and 49 who are unable to provide proof of citizenship/legal resident status may be eligible for restricted Medi-Cal to cover pregnancy and emergency services.
Medi-Cal offers health care coverage for low-income residents of California who have little or no personal health insurance or are having trouble paying for medical services. Medi-Cal is supported by federal and state taxes and administered by local county departments. Please call for more information on application criteria and process.
Must be a student at San Joaquin Delta College and must meet program eligibility requirements.
Financial Aid and Scholarships Department assists students in meeting expenses associated with their education. Expenses include books, supplies, food, transportation, and housing expenses. Financial aid is available to qualifying students in the form of state and federal grants, federal work study, scholarships, student loans, and state grants. The Financial Aid and Scholarships Department also offers outreach services for potential financial aid applicants including low-income and disadvantaged students.
Referral from agency or private physician.
Service First of Northern California (SFNC) is a 501(c)(3) Non-profit Public Benefit Corporation that serves as an umbrella organization and operates ten community based programs. The "Service" focuses on the neediest individuals in the community. Supportive services are provided to individuals that are developmentally disabled, mentally ill, physically disabled, homeless Veterans, Social Security beneficiaries, and those struggling with addiction.
Services offered:
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Social Security Administration assists with:
In addition to administering these payments, it also administers supplemental payments provided by the State of California.
Online services: A number of services are available online by visiting www.ssa.gov/onlineservices
Other local office sites:
Must be employed and have state taxes withheld from income.
Franchise Tax Board is the agency responsible for collecting state personal income tax as well as bank and corporation taxes for the State of California. Both English and Spanish languages are spoken. Additional information is available on the website. Fees vary depending on individual gross income.
Please see below.
Stockton Arts Commission serves as the arts advocacy commission for the City. The Commission is a catalyst to support and strengthen community awareness, opportunities, and involvement in arts and culture.
Since 2003, the Stockton Arts Commission has awarded nearly $1,000,000 to support, stimulate, and strengthen the arts in Stockton. These grants help non-profit arts organizations, artists (including student artists), and art educators serve a diverse community.
Today, the Commission operates within the Citys Community Services Department with an arts director and a 15-member volunteer commission appointed by the Mayor and City Council.
Applicants must meet eligibility criteria. Please visit the website for more information.
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Stockton Impact Corps offers a myriad of services to help with business start-up. This includes:
Must have and maintain a 3.0 G.P.A.
Stockton Scottish Rite of Freemasonry provides community services in the form of college scholarships and interest-free college loans. Scottish Rite also sponsors a clinic for childhood language disorders where no fees are charged, although voluntary donations from parents and the public are accepted.
Scottish Rite Medical warehouse is open and running. The Almoner can be reached at (209) 603-1049.
United Way has been improving lives since 1926 and it is estimated that they have put over $100 million back into the community. The annual campaign raises between $1 and $2 million. The majority of these funds come from the workplace campaigns that local businesses conduct to allow their employees the opportunity to give back. They work with hundreds of employers throughout San Joaquin County along with volunteers and selected non-profit agencies to tackle the tough issues within our community.
United Way has three primary focus areas; education – helping children and youth achieve their potential; health – improving people’s health; and income – helping families and individuals become financially stable and independent. They believe that these are the building blocks for a good life and for people to be happy, healthy, successful members of society.
They address the educational, health and income needs of our community through analyzing those needs, investing in local non-profit agencies, building awareness of important issues, creating partnerships, and developing prevention-based programs aimed at stemming problems before they take root. The funded agencies of United Way of San Joaquin County provide these much needed services to make San Joaquin County a better place to live and work.
Application required. Please see website for details.
Community Involvement Program (CIP) is a scholarship and retention program for first-generation college students from the Stockton community who have demonstrated the potential for sustainable leadership, community awareness, and involvement.
CIP was established in 1969 to provide educational opportunities to the local community and diversify the University of the Pacific campus. More than 1,000 students have graduated from the program.
The program provides access to college for low-income students along with a wide range of support for CIP Scholars as they pursue higher education. Some of the benefits of CIP include the following:
For more information regarding program qualifications and its application process, please visit the website.
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Variety of classes and one-on-one counseling courses are available in English and Spanish. As you work with a housing coach, you will gain confidence in pursuing your dreams of homeownership. The education you receive will assist you in making wise financial decisions.
Homebuyer Education and Counseling:
Rental Counseling:
Financial Capabilities/Education:
Residents of San Joaquin County who meet income guidelines and have a minor child that is a descendant of a federally recognized tribe or from the California Judgment Roll.
Native TANF Program provides cash assistance, emergency services, child care, transportation assistance and other supportive services. There is an emphasis on providing employment, education and wellness services so that all participants can increase the likelihood of self sufficiency.
