 TITLE: How to Get Financial Assistance if You Have a Disability CONTENT: Other Financial Options for People With Disabilities\n----------------------------------------------------\nAside from the assistance programs above, there are other financial tools that could help you save money and manage debt that you're trying to pay off.\nAchieving a Better Life Experience (ABLE) accounts are a type of tax-advantaged savings method for people with disabilities. You don't have to pay tax on account earnings as long as the money is used for qualified expenses. Qualified expenses include money spent on education, housing, transportation, employment training, legal fees, health care, basic living expenses and other expenses related to a disability.\nIf you're having trouble tackling credit card debt, contact your creditors because they may be able to offer payment arrangements. Another option to consider is working with a credit counseling agency to establish a debt repayment plan.\nUnder a debt repayment plan, a counselor reviews your budget and negotiates a reduction of fees or interest with your creditors. Then, you make one payment to the credit counseling agency and it pays off your debt for you. This could save you money and take away the stress of juggling multiple payments.\nIf mortgage payments are becoming hard to manage, you may be able to request loan forbearance, which pauses payments temporarily. In some cases, a lender may even be willing to modify your loan to make it easier for you to repay. If you can no longer afford the home, a last resort could be a short sale or deed-in-lieu of foreclosure. END