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| financial hardship loan center of illinois: Justice for Victims Inge Vanfraechem, Antony Pemberton, Felix Mukwiza Ndahinda, 2014-06-27 Justice for Victims brings together the world’s leading scholars in the fields of study surrounding victimization in a pioneering international collection. This book focuses on the current study of victims of crime, combining both legal and social-scientific perspectives, articulating both in new directions and questioning whether victims really do have more rights in our modern world. This book offers an interdisciplinary approach, covering large-scale (political) victimization, terrorist victimization, sexual victimization and routine victimization. Split into three sections, this book provides in-depth coverage of: victims' rights, transitional justice and victims' perspectives, and trauma, resilience and justice. Victims' rights are conceptualised in the human rights framework and discussed in relation to supranational, international and regional policies. The transitional justice section covers victims of war from those caught between peace and justice, as well as post-conflict justice. The final section focuses on post-traumatic stress, connecting psychological and anthropological perceptions in analysing collective violence, mass victimization and trauma. This book addresses challenging and new issues in the field of victimology and the study of transitional and restorative justice. As such, it will be of interest to researchers, practitioners and students interested in the fields of victimology, transitional justice, restorative justice and trauma work. |
| financial hardship loan center of illinois: The Kickass Single Mom Emma Johnson, 2017-10-17 When Emma Johnson's marriage ended she found herself broke, pregnant, and alone with a toddler. Searching for the advice she needed to navigate her new life as a single professional woman and parent, she discovered there was very little sage wisdom available. In response, Johnson launched the popular blog Wealthysinglemommy.com to speak to other women who, like herself, wanted to not just survive but thrive as single moms. Now, in this complete guide to single motherhood, Johnson guides women in confronting the naysayers in their lives (and in their own minds) to build a thriving career, achieve financial security, and to reignite their romantic life—all while being a kickass parent to their kids. The Kickass Single Mom shows readers how to: • Build a new life that is entirely on their own terms. • Find the time to devote to health, hobbies, friendships, faith, community and travel. • Be a joyful, present and fun mom, and proud role model to your kids. Full of practical advice and inspiration from Emma's life, as well as other successful single moms, this is a must-have resource for any single mom. |
| financial hardship loan center of illinois: Permanent Supportive Housing National Academies of Sciences, Engineering, and Medicine, Health and Medicine Division, Board on Population Health and Public Health Practice, Policy and Global Affairs, Science and Technology for Sustainability Program, Committee on an Evaluation of Permanent Supportive Housing Programs for Homeless Individuals, 2018-08-11 Chronic homelessness is a highly complex social problem of national importance. The problem has elicited a variety of societal and public policy responses over the years, concomitant with fluctuations in the economy and changes in the demographics of and attitudes toward poor and disenfranchised citizens. In recent decades, federal agencies, nonprofit organizations, and the philanthropic community have worked hard to develop and implement programs to solve the challenges of homelessness, and progress has been made. However, much more remains to be done. Importantly, the results of various efforts, and especially the efforts to reduce homelessness among veterans in recent years, have shown that the problem of homelessness can be successfully addressed. Although a number of programs have been developed to meet the needs of persons experiencing homelessness, this report focuses on one particular type of intervention: permanent supportive housing (PSH). Permanent Supportive Housing focuses on the impact of PSH on health care outcomes and its cost-effectiveness. The report also addresses policy and program barriers that affect the ability to bring the PSH and other housing models to scale to address housing and health care needs. |
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| financial hardship loan center of illinois: Catalog of Federal Domestic Assistance , 2012 Identifies and describes specific government assistance opportunities such as loans, grants, counseling, and procurement contracts available under many agencies and programs. |
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| financial hardship loan center of illinois: The Second Rape Lee Madigan, Nancy C. Gamble, 1991 Examines the blind and subtle ways our society fosters greater feelings of violation and trauma in women who report their rape. |
| financial hardship loan center of illinois: Solve Your Money Troubles Amy Loftsgordon, Cara O'Neill, 2021-07-01 Struggling with debt? Find solutions here. Conquering overwhelming debt starts with understanding your options. Solve Your Money Troubles gives you the tools you need to get your finances back on track. Learn how to: stop debt collector harassment cold negotiate down your debt with creditors reduce your student loan payments, and create a healthy financial plan that you can live with. But that’s not all. Solve Your Money Troubles helps you handle the big issues, too. Find out how to: stop a wage garnishment from leaving you penniless get your car back after a repossession prevent a foreclosure by applying for a loss mitigation program respond to an action if you get sued, and decide if it’s time to wipe the slate clean by filing for bankruptcy. In addition to up-to-date legal information, you’ll find practical tools, such as sample creditor letters and budgeting worksheets. And, if the law changes, you won’t be left out of the loop. You’ll have online access to all of the latest debt, credit, and bankruptcy developments. |
| financial hardship loan center of illinois: Federal Benefits for Veterans, Dependents, and Survivors The US Department of Veterans Affairs, 2020-11-24 An official, up-to-date government manual that covers everything from VA life insurance to survivor benefits. Veterans of the United States armed forces may be eligible for a broad range of benefits and services provided by the US Department of Veterans Affairs (VA). If you’re looking for information on these benefits and services, look no further than the newest edition of Federal Benefits for Veterans, Dependents, and Survivors. The VA operates the nation’s largest health-care system, with more than 1,700 care sites available across the country. These sites include hospitals, community clinics, readjustment counseling centers, and more. In this book, those who have honorably served in the active military, naval, or air service will learn about the services offered at these sites, basic eligibility for health care, and more. Helpful topics described in depth throughout these pages for veterans, their dependents, and their survivors include: Vocational rehabilitation and employment VA pensions Home loan guaranty Burial and memorial benefits Transition assistance Dependents and survivors health care and benefits Military medals and records And more |
| financial hardship loan center of illinois: How to Appeal for More College Financial Aid Mark Kantrowitz, 2019-01-11 College financial aid is not like negotiating with a car dealership, where bluff and bluster will get you a bigger, better deal. Appealing for more financial aid depends on presenting the college financial aid office with adequate documentation of special circumstances that affect the family's ability to pay for college.This book provides a guide for students and their families on how to appeal for more financial aid for college and how to improve the likelihood of a successful appeal. This book also discusses techniques for increasing eligibility for need-based financial aid and merit aid.The topics covered by this book include corrections, updates, special circumstances, writing an effective financial aid appeal letter, adequate documentation, professional judgment adjustments, unusual circumstances, dependency overrides and the differences between the FAFSA and CSS Profile forms. |
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| financial hardship loan center of illinois: The Temporary Assistance for Needy Families (TANF) Block Grant Gene Falk, 2008 The Temporary Assistance for Needy Families (TANF) block grant provides federal grants to states for a wide range of benefits, services, and activities. It is best known for helping states pay for cash welfare for needy families with children, but it funds a wide array of additional activities. TANF was created in the 1996 welfare reform law (P.L. 104-193). TANF funding and program authority were extended through FY2010 by the Deficit Reduction Act of 2005 (DRA, P.L. 109-171). TANF provides a basic block grant of $16.5 billion to the 50 states and District of Columbia, and $0.1 billion to U.S. territories. Additionally, 17 states qualify for supplemental grants that total $319 million. TANF also requires states to contribute from their own funds at least $10.4 billion for benefits and services to needy families with children -- this is known as the maintenance-of-effort (MOE) requirement. States may use TANF and MOE funds in any manner reasonably calculated to achieve TANF's statutory purpose. This purpose is to increase state flexibility to achieve four goals: (1) provide assistance to needy families with children so that they can live in their own homes or the homes of relatives; (2) end dependence of needy parents on government benefits through work, job preparation, and marriage; (3) reduce out-of-wedlock pregnancies; and (4) promote the formation and maintenance of two-parent families. Though TANF is a block grant, there are some strings attached to states' use of funds, particularly for families receiving assistance (essentially cash welfare). States must meet TANF work participation standards or be penalised by a reduction in their block grant. The law sets standards stipulating that at least 50% of all families and 90% of two-parent families must be participating, but these statutory standards are reduced for declines in the cash welfare caseload. (Some families are excluded from the participation rate calculation.) Activities creditable toward meeting these standards are focused on work or are intended to rapidly attach welfare recipients to the workforce; education and training is limited. Federal TANF funds may not be used for a family with an adult that has received assistance for 60 months. This is the five-year time limit on welfare receipt. However, up to 20% of the caseload may be extended beyond the five years for reason of hardship, with hardship defined by the states. Additionally, states may use funds that they must spend to meet the TANF MOE to aid families beyond five years. TANF work participation rules and time limits do not apply to families receiving benefits and services not considered assistance. Child care, transportation aid, state earned income tax credits for working families, activities to reduce out-of-wedlock pregnancies, activities to promote marriage and two-parent families, and activities to help families that have experienced or are at risk of child abuse and neglect are examples of such nonassistance. |
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| financial hardship loan center of illinois: Ask a Manager Alison Green, 2018-05-01 From the creator of the popular website Ask a Manager and New York’s work-advice columnist comes a witty, practical guide to 200 difficult professional conversations—featuring all-new advice! There’s a reason Alison Green has been called “the Dear Abby of the work world.” Ten years as a workplace-advice columnist have taught her that people avoid awkward conversations in the office because they simply don’t know what to say. Thankfully, Green does—and in this incredibly helpful book, she tackles the tough discussions you may need to have during your career. You’ll learn what to say when • coworkers push their work on you—then take credit for it • you accidentally trash-talk someone in an email then hit “reply all” • you’re being micromanaged—or not being managed at all • you catch a colleague in a lie • your boss seems unhappy with your work • your cubemate’s loud speakerphone is making you homicidal • you got drunk at the holiday party Praise for Ask a Manager “A must-read for anyone who works . . . [Alison Green’s] advice boils down to the idea that you should be professional (even when others are not) and that communicating in a straightforward manner with candor and kindness will get you far, no matter where you work.”—Booklist (starred review) “The author’s friendly, warm, no-nonsense writing is a pleasure to read, and her advice can be widely applied to relationships in all areas of readers’ lives. Ideal for anyone new to the job market or new to management, or anyone hoping to improve their work experience.”—Library Journal (starred review) “I am a huge fan of Alison Green’s Ask a Manager column. This book is even better. It teaches us how to deal with many of the most vexing big and little problems in our workplaces—and to do so with grace, confidence, and a sense of humor.”—Robert Sutton, Stanford professor and author of The No Asshole Rule and The Asshole Survival Guide “Ask a Manager is the ultimate playbook for navigating the traditional workforce in a diplomatic but firm way.”—Erin Lowry, author of Broke Millennial: Stop Scraping By and Get Your Financial Life Together |
| financial hardship loan center of illinois: Up from Nothing John Hope Bryant, 2020-10-06 American opportunity is not dead. Bestselling author and entrepreneur John Hope Bryant outlines the mindset and practices that will allow us to achieve the American Dream, no matter what our current circumstances are. Americans have lost faith in their country. With job security disappearing and fewer glimpses of a better future, it can feel like we are barely surviving, much less thriving, in today's problematic economy. Americans want the old America back-- the America where opportunity comes knocking at the front door. But the real problem, John Hope Bryant says, is that we're forgetting that this is still the Land of Opportunity--a site of upward mobility, a place teeming with different ways to create and grow wealth. The opportunities of today are not only greater than the obstacles, but they are greater than they have ever been. What we need, he says, is a mindset shift--a way of recalibrating to recognize that there is still a bounty of resources for establishing entrepreneurship and success in this country. The first step for us, for America, is to remember our storyline--how, coming up from nothing, we established and harnessed the invincible American Dream. |
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| financial hardship loan center of illinois: Improving Research-Based Knowledge of College Promise Programs Laura W. Perna, Edward J. Smith, 2020-03-20 Also known as free tuition and free college programs, college promise programs are an emerging approach for increasing higher education attainment of people in particular places. To maximize the effectiveness of their efforts and investments, program leaders and policymakers need research-based evidence to inform program design, implementation, and evaluation. With the goal of addressing this knowledge need, this volume presents a collection of research studies that examine several categories and variations of college promise programs. These theoretically grounded empirical investigations use varied data sources and analytic techniques to examine the effects of college promise programs that have different design features and operate in different places. Individually and collectively, the results of these studies have implications for the design and implementation of promise programs if these programs are to create meaningful improvements in attainment for people from underserved groups. The authors efforts also provide a useful foundation for the next generation of college promise research. |
| financial hardship loan center of illinois: Your Money, Your Goals Consumer Financial Consumer Financial Protection Bureau, 2015-03-18 Welcome to the Consumer Financial Protection Bureau's Your Money, Your Goals: A financial empowerment toolkit for social services programs! If you're reading this, you are probably a case manager, or you work with case managers. Finances affect nearly every aspect of life in the United States. But many people feel overwhelmed by their financial situations, and they don't know where to go for help. As a case manager, you're in a unique position to provide that help. Clients already know you and trust you, and in many cases, they're already sharing financial and other personal information with you. The financial stresses your clients face may interfere with their progress toward other goals, and providing financial empowerment information and tools is a natural extension of what you are already doing. What is financial empowerment and how is it different from financial education or financial literacy? Financial education is a strategy that provides people with financial knowledge, skills, and resources so they can get, manage, and use their money to achieve their goals. Financial education is about building an individual's knowledge, skills, and capacity to use resources and tools, including financial products and services. Financial education leads to financial literacy. Financial empowerment includes financial education and financial literacy, but it is focused both on building the ability of individuals to manage money and use financial services and on providing access to products that work for them. Financially empowered individuals are informed and skilled; they know where to get help with their financial challenges. This sense of empowerment can build confidence that they can effectively use their financial knowledge, skills, and resources to reach their goals. We designed this toolkit to help you help your clients become financially empowered consumers. This financial empowerment toolkit is different from a financial education curriculum. With a curriculum, you are generally expected to work through most or all of the material in the order presented to achieve a specific set of objectives. This toolkit is a collection of important financial empowerment information and tools you can access as needed based on the client's goals. In other words, the aim is not to cover all of the information and tools in the toolkit - it is to identify and use the information and tools that are best suited to help your clients reach their goals. |
| financial hardship loan center of illinois: Financial Counseling Dorothy B. Durband, Ryan H. Law, Angela K. Mazzolini, 2018-10-16 This text is a valuable new resource that we recommend for all of our professionals and are proud to incorporate as part of our AFC® certification program. With expertise representing the breadth and depth of the financial counseling profession, the content in this text provides you with a rigorous foundation of knowledge, considers critical theoretical models, and explores foundational skills of communication, self-awareness, and bias. This type of comprehensive approach aligns with our mission and vision—providing you with the foundational knowledge to meet clients where they are across the financial life-cycle and impact long-term financial capability. -Rebecca Wiggins, Executive Director, AFCPE® (Association for Financial Counseling and Planning Education®) This timely volume presents a comprehensive overview of financial counseling skills in accessible, practical detail for readers throughout the career span. Expert financial counselors, educators, and researchers refer to classic and current theories for up-to-date instruction on building long-term client competence, working with clients of diverse backgrounds, addressing problem financial behavior, and approaching sensitive topics. From these core components, readers have a choice of integrated frameworks for guiding clients in critical areas of financial decision-making. This essential work: · Offers an introduction to financial counseling as a practice and profession · Discusses the challenges of working in financial counseling · Explores the elements of the client/counselor relationship · Compares delivery systems and practice models · Features effective tools and resources used in financial counseling · Encourages counselor ethics, preparedness, and self-awareness A standout in professional development references, Financial Counseling equips students and new professionals to better understand this demanding field, and offers seasoned veterans a robust refresher course in current best practices. |
| financial hardship loan center of illinois: Illinois Administrative Code , 1986 |
| financial hardship loan center of illinois: Managing the Crisis , 1998 Deals with the result of a study conducted by the FDIC on banking crisis of the 1980s and early 1990s. Examines the evolution of the processes used by FDIC and RTC to resolve banking problems, protect depositors and dispose of the assets of the failed institutions. |
| financial hardship loan center of illinois: Understanding SSI (Supplemental Security Income) , 1998-03 This publication informs advocates & others in interested agencies & organizations about supplemental security income (SSI) eligibility requirements & processes. It will assist you in helping people apply for, establish eligibility for, & continue to receive SSI benefits for as long as they remain eligible. This publication can also be used as a training manual & as a reference tool. Discusses those who are blind or disabled, living arrangements, overpayments, the appeals process, application process, eligibility requirements, SSI resources, documents you will need when you apply, work incentives, & much more. |
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| financial hardship loan center of illinois: The Profitable Artist New York Foundation for the Arts, 2018-08-14 The Indispensable Roadmap Artists Need to Navigate Their CareersThe Profitable Artist's chapters address a spectrum of practical topics for working artists. —Artsy.net While all art is unique, the challenges artists face are shared regardless of background, experience, and artistic medium. With decades of experience training and helping artists worldwide, the expert staff of the New York Foundation for the Arts—in conjunction with outside professionals—have compiled a “best practices” approach to planning and organizing an art career. In The Profitable Artist, Second Edition, NYFA has identified common problems, examined specialized areas of strategic planning, finance, marketing, law, and fundraising, and distilled these topics in such a way that readers can digest them and apply them to their own experience and practice. This newly revised edition has made considerable updates to reflect changes in the legal and financial landscapes, the vast shift in the tools and culture of both social media and fundraising, and proven planning methodologies from the startup community. All of this continues to be presented in an accessible manner, which encourages artists to apply the information and techniques in a way that is true to their personal and artistic integrity. This invaluable guide appeals to artists in all disciplines of the literary, media, performing, and visual arts—from recent art school graduates to established artists undertaking new arts businesses to artists seeking more from their careers at any stage. |
| financial hardship loan center of illinois: Government Giveaways for Entrepreneurs Matthew Lesko, 1992 Bestselling author Matthew Lesko has designed a practical, comprehensive roadmap for those who want to start or expand a business. He's doing Uncle Sam's job, showing taxpayers where to tap into 9,000 sources of free help, information and even money. More than 300 programs offer money for start-ups, buy-outs, inventions, real estate investments, and more. |
| financial hardship loan center of illinois: A Citizen's Guide to Disaster Assistance Fema, 2010-08-04 IS-7 Course Overview This independent study course provides a basic understanding of the roles and responsibilities of the local community, State, and the federal government in providing disaster assistance. It is appropriate for both the general public and those involved in emergency management who need a general introduction to disaster assistance. CEUs: 1.0 Course Length: 10 hours |
| financial hardship loan center of illinois: The Condition of Education, 2020 Education Department, 2021-04-30 The Condition of Education 2020 summarizes important developments and trends in education using the latest available data. The report presentsnumerous indicators on the status and condition of education. The indicators represent a consensus of professional judgment on the most significant national measures of the condition and progress of education for which accurate data are available. The Condition of Education includes an At a Glance section, which allows readers to quickly make comparisons across indicators, and a Highlights section, which captures key findings from each indicator. In addition, The Condition of Education contains a Reader's Guide, a Glossary, and a Guide to Sources that provide additional background information. Each indicator provides links to the source data tables used to produce the analyses. |
| financial hardship loan center of illinois: In the Nation's Compelling Interest Institute of Medicine, Board on Health Sciences Policy, Committee on Institutional and Policy-Level Strategies for Increasing the Diversity of the U.S. Health Care Workforce, 2004-06-29 The United States is rapidly transforming into one of the most racially and ethnically diverse nations in the world. Groups commonly referred to as minorities-including Asian Americans, Pacific Islanders, African Americans, Hispanics, American Indians, and Alaska Natives-are the fastest growing segments of the population and emerging as the nation's majority. Despite the rapid growth of racial and ethnic minority groups, their representation among the nation's health professionals has grown only modestly in the past 25 years. This alarming disparity has prompted the recent creation of initiatives to increase diversity in health professions. In the Nation's Compelling Interest considers the benefits of greater racial and ethnic diversity, and identifies institutional and policy-level mechanisms to garner broad support among health professions leaders, community members, and other key stakeholders to implement these strategies. Assessing the potential benefits of greater racial and ethnic diversity among health professionals will improve the access to and quality of healthcare for all Americans. |
| financial hardship loan center of illinois: One Bite at a Time Rebecca Katz, 2008 A cookbook for cancer patients with more than 85 recipes, featuring full nutritional analysis and anecdotes from cancer survivors. Chef Rebecca Katz shares delicious, nourishing recipes for cancer patients, who often experience culinary ups and downs because of sudden dietary restrictions and poor appetite due to damaged taste buds from harsh treatments. Revised and updated with 10 new recipes, this second edition provides caretakers with a tangible way to nurture loved ones through easy-to-digest meals that offer maximum flavor while boosting the immune system. |
| financial hardship loan center of illinois: The Kansas Teacher , 1915 |
| financial hardship loan center of illinois: Taco USA Gustavo Arellano, 2013-04-16 Presents a narrative history of Mexican cuisine in the United States, sharing a century's worth of anecdotes and cultural criticism to address questions about culinary authenticity and the source of Mexican food's popularity. |
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applicants who qualify for the Small Community Rate or Hardship Rate (Section 662.220); c) Replace the Pre-Application with a Funding Nomination Form (Section 662.310); ... financial …
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HHF Illinois Date: August 15, 2018 SERVICE SCHEDULE B-1 …
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FHC Financial Hardship Confirmation form Section 1 - Your Information PLEASE READ THE SECTION BELOW CAREFULLY BEFORE FILLING OUT THE FORM 1. Who should complete …
Acceptable Documents to Show Proof of Financial Hardship
728 North James Lovell Street • Milwaukee, WI 53233 • (414) 449-4777 • communityadvocates.net Acceptable Documents to Show Proof of Financial Hardship
TITLE 35: ENVIRONMENTAL PROTECTION SUBTITLE F: PUBLIC …
Loan Support Rate – The loan support rate is a portion of the Fixed Loan Rate and shall not exceed one-half of the Fixed Loan Rate rounded to the nearest 0.01%. The monies generated …
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to mitigate financial hardship, prevent foreclosure, and keep Floridians in their homes has been incredibly successful, as Florida leads the nation in distributing HAF funds to its people in …
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Student Loans and Health-related Financial Hardship
The aim of this study was to investigate the relationship between student loan hardship and the likelihood of financial hardship in accessing health care. Two dependent variables were …
