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Free credit counseling services are available to help you take control of your financial future. Empowering Your Financial Journey Credit counseling can be a game-changer for those grappling with financial Resources for Financial Wellness Here's a comprehensive list of credit counseling services available Balance: Consumer Credit Counseling Free credit counseling Debt management plans Financial education GreenPath Financial Wellness Free credit counseling Debt management plans Housing counseling Contact:

Many Stanislaus County residents find themselves in financial tight spots, especially in these uncertain Be prepared to explain your situation and financial need clearly. In Conclusion Financial stress can feel overwhelming, but you don't have to face it alone. Don't wait – take that first step towards financial stability now. Your knowledge could be the key to someone else's financial stability.  

Literacy classes provide key education and access to a Financial Counselor; GED classes are also available Financial Needs In Stanislaus County, many residents face financial challenges that can hinder their better navigate financial crises. enhancing financial education. become financially independent.

If you're a parent facing financial hardship, you're not alone. Modesto Junior College CalWORKs Program Educational support Counseling Work-study opportunities for CalWORKs Center for Human Services Mental health counseling Substance abuse treatment Family support services Stanislaus County Workforce Development Job search assistance Career counseling Training programs Contact Today, she's employed full-time and on the path to financial independence.

Understanding Family Counseling Services in Stanislaus County What is Family Counseling? Types of Family Counseling Services Available Family counseling services come in various forms to meet How to Access Family Counseling Services in Stanislaus County Steps to Take to Access Family Counseling Choose a provider: Review the list above and select a service that best fits your family's needs and financial Community Counseling Programs The Community Counseling Clinic (Center for Human Services) offers a range

Benefits of Safe Borrowing Financial Security: You avoid high-interest loans that can lead to financial Community Support Services Local non-profits provide credit counseling and financial planning services The Role of Financial Advisors in Safe Borrowing When to Consult a Financial Advisor Consulting a financial Consider Debt Counseling: A reputable organization can provide guidance on managing your money and debts aid and credit counseling.

Support Youth Services Substance Use Treatment Adult Education Disability Services Veterans Services Financial Counseling Immigration Services Literacy Programs Emergency Rental Assistance Food Banks and Pantries Donate: Consider making a financial contribution to the resources that resonate with you most.

, bankruptcy counseling, housing counseling, and financial education to consumers nationwide. The Role of Credit Counseling in Debt Consolidation What is Credit Counseling? Credit counseling is a service that helps individuals understand their financial situation and develop Benefits of Credit Counseling Personalized Financial Plans: Credit counselors create tailored plans to Local Churches and Nonprofits: Many offer financial counseling and assistance programs.

There are 37,646 households (71,183 individuals) receiving CalFresh benefits in Stanislaus County, bringing approximately $18 million dollars each month into the local economy." If you're an EBT cardholder in Stanislaus County, you have access to a variety of shopping discounts that can help stretch your budget. These programs offer significant savings on everyday purchases and delivery services. Let's explore the available discounts:  (Español: Al final de este artículo, encontrará un resumen completo en español para nuestros lectores de habla hispana.) Amazon Prime Discount Amazon Access provides a fantastic opportunity for EBT cardholders. You can get Amazon Prime for just $6.99 per month – that's 50% off the regular price! This discount includes all Prime benefits such as: Free shipping on eligible items Access to Prime Video streaming service Prime Reading Amazon Photos storage To sign up, visit the Amazon Access page and click the "Get Started" button. You'll need your EBT card on hand to verify your eligibility. Instacart+ EBT Discount Instacart, the popular grocery delivery service, offers a discounted Instacart+ membership for EBT cardholders. You can get Instacart+ for just $4.99 per month for up to 12 months (limited time offer, automatically renews at $9.99 after 1 year). Benefits include: Free delivery on orders over $10 (other service and fees may apply) Reduced service fees Ability to shop from multiple stores in one order To access this discount, sign in to your Instacart account (or create one on the site), click on the menu, and select "Get started" for the Instacart+ offer. Walmart+ Assist Walmart+ Assist provides EBT cardholders with a discounted Walmart+ membership at $6.47 per month . This program includes: Free delivery from your local store Free shipping with no order minimum Savings on fuel Video streaming from Paramount+ Visit the Walmart+ Assist page and click "Start 30-day free trial" to begin. You'll need your EBT card to verify eligibility. Shipt EBT Discount Shipt, another popular delivery service, provides a discounted membership for EBT cardholders at $4.99 per month. This includes benefits like: Free delivery on orders over $35 Exclusive deals and discounts Ability to shop from various retailers : Cardenas market, Smart & Final, Walgreens, CVS, 7-Eleven, Safeway, Food Maxx, Target & Save Mart To sign up, visit the Shipt EBT page and follow the instructions to start your discounted membership. These shopping discounts can significantly reduce your expenses and provide convenient access to a wide range of products. Remember to have your EBT card ready when signing up for these services, as you'll need to verify your eligibility. For more information on these discounts or other resources available to EBT cardholders in Stanislaus County, don't hesitate to check out community connections in this site to see how your neighbors are navigating the Calfresh EBT benefits. We're here to help you make the most of your benefits and connect you with valuable community resources. For more articles about EBT/Calfresh and how to make your food budget go further. Visit the search bar and type EBT . Facts About Your Benefits As a CalFresh recipient in Stanislaus County, it's important to understand the difference between Supplement Facts and Nutrition Facts labels, as well as some specific California regulations that affect your shopping experience. Supplement Facts vs. Nutrition Facts When you're shopping for food items, you'll encounter two types of labels: Nutrition Facts and Supplement Facts. Here's what you need to know: Nutrition Facts Labels Found on conventional food products Regulated more strictly by the FDA Can be purchased with your CalFresh benefits List essential nutrients, calories, and serving sizes Ingredients are generally recognized as safe by the FDA Supplement Facts Labels Found on dietary supplements (vitamins, minerals, herbs, etc.) Less strictly regulated by the FDA Cannot be purchased with CalFresh benefits May list specific plant parts or proprietary blends Can include structure/function claims (e.g., "supports bone health") As a CalFresh recipient, focus on products with Nutrition Facts labels, as these are the items you can purchase with your benefits. This ensures you're getting food products that meet FDA safety standards and are eligible for purchase with your EBT card. Grocery Bags in California When shopping in California, you might notice a charge for grocery bags. Here's what applies to you as a CalFresh recipient: Most stores charge at least 10 cents per paper bag However, as a CalFresh recipient, you are exempt from this charge When using your EBT card, you can receive paper bags for free Don't hesitate to inform the cashier that you're using CalFresh benefits to ensure you receive your free paper bags. California Redemption Value (CRV) on Beverages When purchasing certain beverages, you'll encounter the California Redemption Value (CRV). Here's what you need to know: CRV is charged on eligible containers, including soda and bottled water The fee is 5 cents for containers less than 24 ounces, and 10 cents for larger containers CRV applies even when using CalFresh benefits You can redeem this deposit by recycling the containers at recycling centers While CalFresh doesn't cover the CRV fee, remember that you can recoup this cost by recycling your containers. This not only helps you recover the deposit but also contributes to environmental conservation efforts. Understanding these distinctions and regulations will help you make informed decisions while shopping with your CalFresh benefits in Stanislaus County. Remember to prioritize products with Nutrition Facts labels, take advantage of free paper bags, and consider recycling your beverage containers to recover the CRV deposit. In Summary EBT cardholders in Stanislaus County can enjoy significant discounts on shopping and delivery services that help them save money each month. Amazon offers Prime membership for just $6.99 a month (50% off the regular price) with free shipping and access to Prime Video. Instacart+ is available for $4.99 a month for 12 months, with free deliveries on orders over $10 and reduced fees. Walmart+ Assist costs only $6.47 a month and includes free deliveries, free shipping, fuel discounts, and access to Paramount+. Shipt also offers a discounted membership for $4.99 a month, which includes free deliveries on orders over $35 and exclusive deals at stores like Cardenas, Safeway, and Target. These programs make it easier to maximize CalFresh EBT benefits and improve access to essential products at reduced prices. Resume en Español Los titulares de tarjetas EBT en el condado de Stanislaus pueden disfrutar de importantes descuentos en servicios de compras y entregas que les ayudan a ahorrar dinero cada mes. Amazon ofrece la membresía Prime por solo $6.99 al mes (50 % menos del precio regular) con envío gratuito y acceso a Prime Video. Instacart+ está disponible por $4.99 al mes durante 12 meses, con entregas gratis en pedidos mayores de $10 y cargos reducidos. Walmart+ Assist cuesta solo $6.47 al mes e incluye entregas sin costo, envío gratuito, descuentos en combustible y acceso a Paramount+. Shipt también ofrece una membresía con descuento de $4.99 al mes que incluye entregas gratuitas en pedidos de más de $35 y ofertas exclusivas en tiendas como Cardenas, Safeway y Target. Estos programas permiten aprovechar al máximo los beneficios de CalFresh EBT y facilitar el acceso a productos esenciales a precios reducidos. If you know someone who could benefit from these services, share this post with them. Together, we can ensure that every person in Stanislaus County receives the support they deserve. Frequently Asked Questions What shopping discounts are available for EBT cardholders in Stanislaus County? EBT cardholders in Stanislaus County can access discounted memberships for Amazon Prime, Instacart+, Walmart+ Assist, and Shipt, providing significant savings on shipping, grocery delivery, and streaming services. How much does Amazon Prime cost for EBT cardholders, and what are the benefits? Amazon Prime is available to EBT cardholders for $6.99 per month, which is 50% off the regular price. Benefits include free shipping on eligible items, access to Prime Video, Prime Reading, and Amazon Photos storage. Are there discounts for grocery delivery services for EBT cardholders? Yes. Instacart+ offers a discounted rate of $4.99 per month for up to 12 months, and Shipt provides membership at $4.99 per month. Both services include free delivery on orders over $35 and access to exclusive deals. What are the benefits of Walmart+ Assist for EBT cardholders? Walmart+ Assist is available for $6.47 per month and includes free delivery from your local store, free shipping with no order minimum, fuel savings, and access to Paramount+ video streaming. Can CalFresh recipients get free grocery bags when shopping in California? Yes. CalFresh recipients are exempt from the 10-cent charge for grocery bags at most stores. When using an EBT card, you can receive paper grocery bags for free by informing the cashier. What food items are eligible for purchase with CalFresh EBT benefits? Items with Nutrition Facts labels (conventional foods) can be purchased using CalFresh benefits. However, dietary supplements with Supplement Facts labels cannot be purchased with CalFresh funds. How does the California Redemption Value (CRV) fee affect EBT purchases? The CRV fee applies to eligible beverage containers, regardless of whether you pay with CalFresh benefits. The fee is 5 cents for containers under 24 ounces and 10 cents for larger containers, but you can redeem this deposit by recycling the containers. When you notice that a service or resource isn't widely available, help our community by sharing what you know here on the Stanislaus Info Hub. This Service Spotlight is available for sponsorship.

Health Insurance Counseling and Advocacy Program (HICAP) Phone : (209) 558-4540 Assistance : offers free counseling on Medicare and related medical costs and assistance with applying for Medicare savings programs Improved access to free credit counseling, helping families regain control over their finances. How Nonprofits Assist in Debt Relief Financial Counseling: Nonprofits offer free credit counseling services Seek advice from credit counseling services to understand your options better.

child abuse victims and concerned individuals Disaster Distress Helpline: 1-800-985-5990 - Crisis counseling California Peer-Run Warmline: 1-800-845-6264 - Emotional support and referrals provided by trained counselors

low-income legal aid  and ensuring that everyone has access to the justice system, regardless of their financial Improved credit scores: With better job prospects, individuals can manage their finances more effectively Specialized Services: Some nonprofits offer specialized services, such as financial counseling or legal Businesses often provide: Financial Support: Donations help cover operational costs and expand services

and access to a Financial Counselor, and information on and access to scholarships. consolidation and to find non-profit organizations who can offer one-on-one counseling regarding your Here are some key services they offer: Loan counseling to help you understand your options. Debt Counseling and Financial Planning Services Finding a Certified Credit Counselor Finding a certified Where can I find debt counseling services in Stanislaus County?

You're lying awake at 2am in your apartment in Ceres or Tracy. The anxiety won't stop. Or the depression is so heavy you haven't left your room in three days. You thought about calling a therapist, but you looked up the price—$150 per session. You don't have that. When the weight of the world keeps you under the covers, know that you don’t have to carry it alone. Professional support with Medi-Cal is free. So you're doing nothing. And it's getting worse. Here's the truth: 1 in 5 people in California has a mental health condition right now.  Most of them aren't getting help. Not because they don't need it. Because they think they can't afford it. You can afford it. It's free. And it's available right now. Free Therapy, Free Medication, Free Crisis Support—All Yours If you have Medi-Cal, you have mental health coverage right now. Today. This includes: Real therapy  (as many sessions as you need, not just "6 and done") Medication  (if you need antidepressants, anxiety meds, mood stabilizers) Crisis help  (24/7 support when you're in trouble) Peer support  (people who've been where you are and made it through) Someone to help you navigate  (so you don't give up before you start) This isn't some discount program. This is full mental health care. Already paid for by your Medi-Cal. People in Modesto, Stockton, and Merced are getting therapy right now.  For free. You could be next. Here's What Happens If You Don't Get Help You already know. The depression gets worse. The anxiety gets bigger. You start missing work. Or you lose your job. Or you stop seeing friends. Or the suicidal thoughts get louder. Untreated depression is the #1 cause of disability in the U.S.  Not because it can't be treated. Because people don't know help is free. You don't have to be another statistic. Click here right now and see if you qualify.  Two minutes. Check boxes. Tell us what's going on. We'll connect you to help. Help Is Hope Can Unlock Special Help Today Most people with Medi-Cal don't know they have free mental health coverage. It's hidden. We help you unlock it. Here's what happens: Click here and fill out the form.  Takes 2 minutes. Basic info. Someone calls you back within 72 hours  to confirm you qualify and get you connected to mental health services. You get connected.  Therapy. Medication. Crisis support. Whatever you need. Or   book an appointment here  if you want to talk through it first. We're here in the Central Valley—Modesto, Stockton, Merced. We unlock it. You get the help you need. Here's What to Say (So You Qualify) How you describe your mental health matters. Never lie. But frame it right. ❌ DON'T say:  "I feel sad sometimes."  ✅ DO say:  "I have depression that makes it hard to function. I can't get out of bed. I'm missing work. I need help." ❌ DON'T say:  "I get anxious occasionally."  ✅ DO say:  "I have severe anxiety that affects my daily life. I'm having panic attacks. I can't leave the house. I need treatment." ❌ DON'T say:  "I've been stressed lately."  ✅ DO say:  "I'm having thoughts of self-harm. I'm in crisis. I need mental health support right now." The difference?  One meets criteria. One doesn't. Both are true. Frame it right. Is This Really Free? Yes. Completely free. If you have Medi-Cal, mental health care is covered. Like going to the doctor for a broken arm. Your health plan pays for it. No co-pay. No bills. No surprise charges. Even if you own a car or have savings, you still qualify. Medi-Cal doesn't count that anymore. The only "catch" is you have to ask for help.  And that's the hardest part when you're depressed. That's why we're here—to make asking as easy as possible. This Could Save Your Life Imagine this: You wake up tomorrow. You have a therapist. Someone who listens. Who gets it. Who gives you tools that actually work. You start feeling a little lighter. A little more hopeful. You can breathe again. That's not a fantasy. That's what happens when you get real mental health care. It's free. It's available right now in Modesto, Stockton, and Merced. And it could change everything. You'd be crazy to keep suffering when help is one click away. Click here and get started.  Two minutes. That's all it takes. Who Gets This Help? If you have Medi-Cal and any of this sounds like you: ✓ Depression so bad you can't function ✓ Anxiety that won't let you breathe ✓ PTSD from trauma that won't go away ✓ Bipolar, schizophrenia, or other serious mental illness ✓ Suicidal thoughts or self-harm ✓ Can't afford private therapy Then you qualify. Real examples from the Central Valley: A 30-year-old in Modesto with depression now sees a therapist every week for free A 45-year-old in Stockton with PTSD got connected to trauma therapy A 22-year-old in Merced having a crisis got same-day help Click here to get started.  Two minutes. Someone calls back within 72 hours. Don't have Medi-Cal or don't qualify?   Check here for other resources that might help. Don't Wait Until It's Too Late We've seen what happens when people wait. The depression gets darker. The anxiety gets worse. Small problems become big crises. Don't be that person. Help is here. In Modesto. In Stockton. In Merced. Free. You just have to say yes. Click here. Fill it out. Two minutes. Let us help you.  Your life might depend on it.

Services include legal assistance with restraining orders, safety planning, crisis intervention, counseling Victims can receive information about counseling, medical treatment, and court assistance. They provide legal advocacy, counseling, and assistance, obtaining restraining orders and court accompaniment Support Groups and Counseling Support groups and counseling services are vital for survivors. Counseling Services: Professional help is available to address emotional and psychological needs.

This leaves little room for other necessities, trapping many families in a cycle of financial instability They offer: Emergency Shelter Services Housing Counseling Services Rental Assistance Permanent Supportive Additionally, Project Sentinel offers fair‑housing counseling and mediation services and can be contacted

County APS staff evaluates abuse cases and arranges for services such as advocacy, counseling, money Resources available for victims and their families, including counseling and legal assistance. Counseling and Therapy Individual Counseling: One-on-one sessions with trained professionals to help Financial Assistance Programs Emergency Funds: Financial help for immediate needs such as housing, food Mental Health Services: Access to counseling can help caregivers cope with their emotional struggles,

Your guidance counselor should have more information on those. The Role of Financial Aid in Scholarships Financial aid plays a crucial role in helping students afford financial need. Join groups focused on scholarships and financial aid. Can I combine different types of financial aid?

supplies and equipment Family planning and birth control Home visiting programs If You Lost a Baby: Grief counseling postpartum depression got therapy and support for a full year A woman in Merced who lost a baby got grief counseling

Fortunately, there are programs available that can help ease this financial burden. Eligibility for assistance often depends on income level and specific financial needs. Accumulation of debt, which can lead to financial instability. They provide essential services  that can ease the financial burden on families. Neighborhood groups can host workshops to discuss financial aid options.