Housing and Urban Development (HUD)
New Federal programs and grants available to help homeowners avoid foreclosure (enacted as part of the American Recovery and Reinvestment Act of 2009).
Down Payment Assistance Program
Funds (up to $7,500) available to qualifying low to moderate income homebuyers to help purchase a home.
MSHDA Graduate Purchase Assistance Program
A new state program that helps recent college graduates buy homes in Michigan at reduced interest rates and with zero interest down payment assistance.
Property Improvement Program
Low interest home improvement loans (up to $50,000) available to eligible single-family homeowners of low-to-moderate income (up to $65,000, or $74,750 in certain areas). Home equity is not required for loans $25,000 and under. Eligible landlords can borrow up to $25,000 per unit, with a maximum outstanding limit of $100,000 per borrower. Eligible properties cannot have more than 11 units. There are no income requirements for landlords, but the rental units must meet MSHDA rental limit guidelines.
Loans can be used to improve furnaces, insulation, siding and many more permanent home improvements.
For more information and how to apply visit:
When you are ready to apply for the loan contact your county agent and lender.
Capital Area Housing Partnership-East Lansing
Capital Area Housing Partnership develops strong, diverse neighborhoods with a focus on affordable housing, homeownership and financial security in mid-Michigan. Visit https://www.capitalareahousing.org/
Meridian Township Human Services
5151 Marsh Rd.
Okemos, MI 48864
Hours: 8:00 AM to 5:00 PM, Monday through Friday
Specialist: Darla Jackson
Services: Provides information and assistance and offers some direct services such as tax hardship representation and tax assistance, holiday food baskets, last resort emergency needs funds. Deals with any problem. Accessible on bus line. Appointments are available on a walk-in basis.
Eligibility: Meridian Township residents of any age
Lansing Housing Commission
419 Cherry Street
Lansing, MI 48933
The Lansing Housing Commission is the Public Housing Authority in Lansing, MI. Through its public housing and home ownership programs, the Lansing Housing Commission provides families, senior citizens, and disabled individuals the ability to seek and retain decent, safe, affordable housing.
Department of Human Services
5303 S. Cedar, Building 4
Lansing, MI 48911-3800
Ingham County: 517-887-9400
Eaton County: 517-543-0860
Clinton County: 989-224-5500
Shiawasee County: 989-725-3200
Hours: 7:30 AM to 5:00 PM, Monday through Friday. Call in hours are 7:30 AM to 5:30 PM. Child and Adult Protective Services available 24 hours.
Offers a variety of services for low-income individuals. Handles applications and assistance for Medicaid, food stamps, State Emergency Relief (SER) for utilities, rent, home repair and back taxes, Family Independence Program (FIP), State Disability Assistance (SDA), Employment Support services, Child Day Care and Welfare services and adult services (home help services, protective services, adult foster care, etc.). Volunteers may be available for filling out applications. Child and Adult Protective Services also handles calls (can be anonymous) regarding abuse, neglect or exploitation of vulnerable children and adults. The agency investigates these situations and takes necessary action if needed, utilizing the least restrictive procedures to provide these services including social and legal intervention.
Greenpath Debt Solutions
2035 Asher Ct.
East Lansing, Mi 48823
Provides financial counseling in a confidential and dignified manner by trained counselors. They help families work out an orderly debt repayment program and provide sound money management information on budgeting and the wise use of credit. They may also pull credit reports. Anyone seeking services is eligible. The initial interview is free.
MSU Federal Credit Union
3777 W. Rd.
Lansing, MI 48823
Provides services for debt and loan consolidation and classes on financial management. Call for more information.
MSU Employee Discounts
Discounts for MSU staff and faculty on retail purchases, entertainment, travel and much more.
5303 S. Cedar
Lansing, MI 48911
121 E. Maple St.
P.O. Box 319
Resources below compiled by the Family Economics and Consumerism Team of MSU Extension.
Extension: Personal Finance
A helpful guide to managing your money and saving during this tough economic time. Tips for managing stress and stretching your dollar at the gas pump, the grocery store and on family activities.
Free Annual Credit Reports
This website offers a free credit report once per year from each of the nationwide credit reporting companies; Equifax, Experian and TransUnion.
Debt Management Resources
Online resource to help individuals in debt learn how to create a spending plan and a saving plan to get out of debt.
- 40 Money Management Tips Every College Student Should Know www.smartaboutmoney.org/40moneytips
- Financial Security for All—http://articles.extension.org/personal_finance
Earned Income Tax Credits and Other Tax Credits
Who qualifies for the Federal EITC? www.irs.gov/individuals/article/0,,id=96406,00.html
Below are links to YouTube broadcasts that outline the EITC here in Michigan:
https://www.youtube.com/watch?hl=en-GB&gl=GB&v=fX5HHrMyi_I (short version)
Planning for Retirement in this Economic Time
Looking to Retire…Financial Security in Later Life National Resources www.extension.org/pages/Financial_Security:_Retirement_Planning
An easy to use online worksheet that helps you figure out how much you need to save for retirement.
Social Security Online
Social Security has developed a Retirement Benefit Application Portal. The site offers information on how to apply for retirement benefits, how to estimate your benefits online and when you will start receiving benefits.
Investing For Your Future
Eleven‐unit home‐study course was developed by the Cooperative Extension system for beginning investors with small dollar amounts to invest at any one time.
Food & Emergency Assistance
South Side Community Coalition
2101 W. Holmes Rd
Lansing, MI 48910
The South Side Community Coalition Center provides services to the community. There is a food closet and clothes closet, and an updated list of job offers from the local community for those seeking employment. There are computers with internet access available for increasing job skills, after school homework, and tutoring. There are programs for youth, seniors and an outreach specialist who can help you sign up for health insurance and assistance.
Greater Lansing Food Bank
The GLFB feeds people. Theymake certain that everyone in our community has access to nutritious food, because we can all agree, that no one should ever go hungry in our community.
GLFB get its food from retailers, the USDA, food producers, purchased goods and from food drive donations.
GLFB serves everyone at risk, because hunger does not discriminate. We provide emergency food to families and children and retirees and veterans who have served our country. We serve people who look just like you and me. We help people to perform better at work and school and at home, because food is a basic need. Remember, that no one ever plans to be hungry.
St. John’s Student Parish Food Bank
E. Lansing, MI 48823
The food bank is open each Saturday morning during the academic school year from 9:00-11:00 AM, and one Saturday a month in the summer. No referral is needed. MSU students, East Lansing residents and parish members are eligible.
MSU Student Food Bank
The MSU Student Food Bank provides free food and related items to students facing food insecurity and in need of assistance. The Student Food Bank provides supplemental support, this means we do not supply all the food you will need for two weeks but our goal is to cut your grocery bill at least in half. We always have vegetables, fruits, soups, pasta or rice, at least one protein, cereal and other items available for your selection at a distribution. Additionally, we almost always have fresh produce, bread, and MSU Dairy Store cheese available at distributions. If you need additional food we can help by referring you to other food programs in the East Lansing area. The MSU Student Food Bank is a welcoming and supportive student community – we are here to serve. MSU undergraduate and graduate students (and their families) who do not have an on-campus meal plan are eligible for this service.