Credit Repair & Financial Recovery for Single Mothers in New Mexico

Last updated: September 2025

Emergency Help First

• If your lights, heat, or AC are off or you have a shutoff notice: Call your utility right away and ask for a payment plan or medical hold. Then apply for LIHEAP through YesNM and ask for “crisis LIHEAP.” Phone (800) 283-4465 or apply at YesNM. Sources: New Mexico LIHEAP—How to apply, LIHEAP Clearinghouse—NM benefits. (hca.nm.gov, liheapch.acf.hhs.gov)
• If you need food this week: Apply for SNAP and ask for “expedited service.” Call (800) 283-4465 or apply at YesNM. Sources: SNAP overview—HCA. For 2025 maximums see USDA. (hca.nm.gov, fns.usda.gov)
• If you face eviction or a court date: Call New Mexico Legal Aid at (833) 545-4357 or your closest office; locations are listed on NMLA’s site. (newmexicolegalaid.org)
• If child support has stopped or you need to open a case: Call the Child Support Services Division at (800) 283-4465 or visit the CSSD online portal. (hca.nm.gov)
• If you need a quick list of community help: Dial 211 to reach United Way 2‑1‑1 for local referrals (rent, food, utilities, diapers). Example hub serving southern NM: United Way of Southwest New Mexico 2‑1‑1. (uwswnm.org)

Quick Help Box

• Credit reports: Pull all three free reports weekly at AnnualCreditReport. The bureaus made free weekly reports permanent. (investor.equifax.com)
• Fast credit score wins: Pay any bill that’s over 30 days late to “current,” set auto‑pay on minimums, and remove bogus late fees.
• Food and cash basics: SNAP maximum for a family of four in NM is $975/month\ast \ast through\ast \ast September30,2025\ast \ast .TANF(NMWorks)“standardofneed”forfouris\ast \ast$663/month. (fns.usda.gov, srca.nm.gov)
• Child care: NM helps up to 400% FPL and is waiving copays statewide for now. Apply by calling (800) 832‑1321. (nmececd.org)
• Health coverage: Medicaid (Turquoise Care) covers adults up to 138% FPL, kids higher. Start at YesNM or call (800) 283‑4465. (hca.nm.gov, aspe.hhs.gov)
• Utilities: LIHEAP typical FY2025 benefits in NM range $70–$490 for heating or cooling; crisis help up to $490. (liheapch.acf.hhs.gov)

Quick Reference Cheat Sheet

Start Here

Most important first: Freeze fraud, pull your reports, and make a one‑page money plan today.

• Freeze & fraud alerts: If you see signs of ID theft, place a free security freeze with each bureau and add a fraud alert.
• Pull your credit reports: Use AnnualCreditReport to download all three reports today and weekly until issues are fixed. The bureaus made weekly access permanent. (investor.equifax.com)
• List urgent bills: Put shutoff notices, rent, and court dates at the top. Use LIHEAP for energy and legal aid for eviction defense. (hca.nm.gov, newmexicolegalaid.org)

The 30‑Day Credit Repair Sprint for New Mexico Moms

Week 1—Get the facts

• Download three reports and save PDFs. Highlight any accounts with wrong balance, status, or dates.
• Capture proof: late‑fee waivers, payment confirmations, court satisfaction, identity theft reports.
• Open a folder: bills due this month, debts to settle this year, long‑term items.

What to do if this doesn’t work: If AnnualCreditReport won’t verify you online, request by mail using the official form on the site or call the bureaus. Keep copies of your ID and address documents.

Week 2—Dispute what’s wrong

• Dispute errors in writing with each credit bureau reporting the error. Include a short letter, page citations from the report, and copies of proof. Bureaus generally must investigate and respond; track deadlines on your calendar.
• Dispute with the furnisher (bank, collector) at the same time using their mailing address from your statement or website.
• Medical debt tip: Newer rules limit reporting of certain small medical debts; check whether the debt qualifies to be removed.

What to do if this doesn’t work: File a complaint with the Consumer Financial Protection Bureau (CFPB) and attach your documents. Request a reinvestigation if new evidence turns up.

Week 3—Catch up current bills and set autopay

• Bring any account that’s 30–59 days late back to current to stop score damage from getting worse.
• Set autopay for at least the minimum on cards and loans.
• Payment plans: Many NM utilities and providers will set up plans once you make a first payment using LIHEAP or local assistance. (hca.nm.gov)

What to do if this doesn’t work: Ask for “hardship options” in writing and escalate to a supervisor. For medical bills, request a charity‑care review.

Week 4—Add positive history and guard the gains

• Starter line: Consider a secured card or a credit‑builder loan at a local credit union, and keep utilization under 10–30%.
• Calendar your disputes: If a bureau doesn’t update by the deadline, send a short follow‑up referencing your ticket number.
• Save every letter: Keep a folder of all responses and confirmations.

Cash‑Flow Stabilizers You Can Use Right Now (New Mexico Specific)

SNAP—Food help that frees cash for bills

• Most important: Apply online at YesNM and choose phone interview if that’s faster. Ask about “expedited SNAP.”
• Numbers you can use: USDA maximum SNAP for the Lower 48 through September 30, 2025 is $292\ast \ast (1person),\ast \ast$536 (2), $768\ast \ast (3),\ast \ast$975 (4), $1,158\ast \ast (5),\ast \ast$1,390 (6), $1,536\ast \ast (7),eachadditional\ast \ast$220. New Mexico also raised SNAP gross income screening to 200% FPL and extended certification up to 36 months for some seniors/disabled. (fns.usda.gov, hca.nm.gov)
• Where to apply: SNAP application and income rules—HCA and YesNM. (hca.nm.gov)
• Timeline: Interviews usually within about 10 days; expedited cases can be faster. (hca.nm.gov)
• Documents: ID, proof of NM address, income in the last 30 days, rent, utilities, and child care costs. (hca.nm.gov)
• Plan B: Use WIC if pregnant/with young children (see below), and visit 2‑1‑1 for nearest pantry while your SNAP is pending. (uwswnm.org)

TANF—New Mexico Works (cash aid)

• Most important: If your income is very low and you’re caring for a child, apply for TANF (NMW). This can cover basics while you job‑hunt or do training.
• Numbers you can use: NMAC shows the “standard of need” (the figure used to calculate the grant) at $327\ast \ast (1person),\ast \ast$439 (2), $550\ast \ast (3),\ast \ast$663 (4), $775\ast \ast (5),\ast \ast$887 (6), $999\ast \ast (7),\ast \ast$1,134 (8). Gross income screening is 85% FPL; e.g., 3‑person $1,829/month. (srca.nm.gov)
• Where to apply: YesNM or an ISD office; ask about support services like transportation or clothing allowance when available. (srca.nm.gov)
• Timeline: Approval timelines vary; keep submitting any missing documents within 14 days if requested.
• Plan B: If cash aid isn’t a fit, still ask ISD about one‑time help, workforce programs, or referrals to nonprofits.

WIC—Healthy food for you and little ones

• Most important: WIC is separate from SNAP and does not affect your SNAP amount.
• Numbers you can use: For FY2025 (10/1/2024–9/30/2025), monthly fruit/vegetable cash benefits are $26\ast \ast perchild,\ast \ast$47 for pregnant/postpartum, $52\ast \ast formostly/fullybreastfeedingparticipants;infantjarredsubstitutions\ast \ast$11 half / $22 full. (fns.usda.gov)
• Where to apply: Your local WIC clinic (call county health) or find via USDA WIC site.
• Plan B: If clinic schedules are tight, ask about remote appointments or alternate pickup sites.

Child Care Assistance—Keep working or in school

• Most important: New Mexico funds child care up to 400% FPL and, as of now, copays are waived. Call (800) 832‑1321 or visit ECECD. (nmececd.org)
• How it works: You can qualify if working, in school, job‑hunting, or in training. If you can’t submit every document right away, ECECD gives 14 days after a Notice of Action to turn in the rest. (nmececd.org)
• Plan B: If you’re waitlisted or need after‑hours care, ask your provider about ECECD’s payment rates and alternate providers; also check Head Start/Early Head Start.

Medicaid (Turquoise Care)—Stop medical debt before it starts

• Most important: Apply at YesNM for yourself and your children.
• What to know: Turquoise Care is NM’s Medicaid managed care (started July 1, 2024). Adults qualify up to 138% FPL; children and pregnant people have higher limits. New Mexico also has continuous coverage for kids from birth to age six. (hca.nm.gov, aspe.hhs.gov, hsd.state.nm.us)
• Plan B: If you lose Medicaid, check BeWellNM for state premium assistance and Turquoise Plans that lower deductibles. (hca.nm.gov)

LIHEAP—Power, gas, and cooling support

• Most important: Apply year‑round through YesNM, and check the “crisis” box if you have a disconnect notice or are almost out of propane or wood.
• Numbers you can use: FY2025 regular heating/cooling benefits typically $70–$490; crisis up to $490. (liheapch.acf.hhs.gov)
• Documents: ID, last 30 days of income, your utility bill, and any disconnect notice. (hca.nm.gov)
• Extra tip: Ask your utility about company assistance funds. Example: PNM Good Neighbor Fund runs through Salvation Army; info and phone (888) 342‑5766. (liheapch.acf.hhs.gov)
• Plan B: If funds are exhausted, ask about a medical certification hold, budget billing, and payment plans; call 2‑1‑1 for local church funds. (uwswnm.org)

Key Numbers and Links at a Glance (New Mexico 2025)

Turn Debts Around Without Wrecking Your Score

When to settle vs. when to wait

• Bring active accounts current first: One 30‑day late hurts more than a balance at 40–60% utilization.
• Collections: If a medical or utility collection is small, ask the collector to withdraw it after payment; some do this as policy. Always get any deal in writing.
• Judgments & garnishment: New Mexico uses its own laws and federal limits; call New Mexico Legal Aid if you get a lawsuit or garnishment notice. (newmexicolegalaid.org)

What to do if this doesn’t work: If a collector won’t budge, set a written payment plan you can keep. Never give access to your main bank account—use a separate bill‑pay account or money order.

Statutes of limitations—New Mexico basics

• Written contracts (many loans) generally have a six‑year lawsuit limit under NMSA 37‑1‑3 (measured from the default/last payment; specifics vary). Don’t restart the clock by promising or paying on very old debts without advice. (law.justia.com)
• If you’re unsure: Call NMLA at (833) 545‑4357 for free legal advice before you pay an old debt. (newmexicolegalaid.org)

What to do if this doesn’t work: If a collector pressures you about arrest or “immediate payment by prepaid card,” hang up and report to the NM Department of Justice Consumer Protection at (505) 222‑9000. (nmdoj.gov)

Build Your Score on Purpose

• Utilization sweet spot: Keep balances under 10–30% of each card’s limit.
• Age matters: Don’t close your oldest card unless it has a high fee.
• Two on‑time streaks: Aim for 6 months and 12 months of on‑time payments—these are common checkpoints lenders look for.
• Add positive lines: Secured card or credit‑builder loan from a credit union. Keep the card open a year after graduation to an unsecured card.

Work Income and Support That Put Money Back in Your Pocket

Minimum wage and local living wage

• Statewide: $12.00/hour. (dws.state.nm.us)
• Santa Fe (city and county): $15.00/hour living wage effective March 1, 2025. Tipped base varies by local ordinance. (santafenm.gov)

Plan B: If your paycheck is short or you’re underpaid, call Labor Relations at (505) 841‑4400 (Albuquerque) for wage claims and guidance. (dws.state.nm.us)

Unemployment Insurance (if hours cut or you lost your job)

• Apply fast: File online at www.jobs.state.nm.us or call (877) 664‑6984 weekdays. Keep certifying weekly even when there’s a hold. (dws.state.nm.us)
• How amount is figured: NM law uses 53.5% of your highest‑quarter average weekly wage, with eligibility and caps set by statute/regulation. You’ll get a Monetary Determination letter with your weekly and maximum benefit amounts. (law.justia.com, dws.state.nm.us)

Plan B: If denied, file an appeal by the deadline on your letter and keep certifying in case you win on appeal. Visit an America’s Job Center for re‑employment help. (dws.state.nm.us)

State tax credits

• New Mexico Child Tax Credit: Refundable, per‑child amounts vary by income, up to $622 per child for lower incomes (see TRD chart). Claim it when you file NM PIT. (tax.newmexico.gov)
• Working Families Tax Credit (state EITC): New Mexico matches a share of the federal EITC and is refundable. Check the PIT‑1 instructions for the current percent and rules before filing (rules can change).

Child Support—Make it predictable

• Contact CSSD: Call (800) 283‑4465 or use the Child Support Online Portal to apply, check payments, and request enforcement or modification. (hca.nm.gov)
• Find your local office: Addresses statewide (Albuquerque, Santa Fe, Las Cruces, Farmington, etc.) are on the HCA field offices page. (hca.nm.gov)

Plan B: If you need legal help or safety planning (domestic violence, custody), call New Mexico Legal Aid at (833) 545‑4357. (newmexicolegalaid.org)

Documents You’ll Need—Application Checklist

• Photo ID (you)
• Proof of New Mexico address (lease or utility bill)
• **Income for last 30 days (pay stubs, benefits letters)
• Child birth certificates and Social Security numbers (if available)
• Bills (rent, utilities, child care invoices)
• Bank statements (if asked)
• Special papers (custody, disability, veteran status)

For child care: ECECD may request school or job schedules; if exempt due to incapacity, submit notes from medical or federal disability benefits. (nmececd.org)

Common Mistakes to Avoid

• Missing deadlines: Put benefit document due dates and hearing dates on your phone with reminders 3–5 days early.
• Disputing the wrong thing: Only dispute items that are inaccurate, incomplete, or unverified. Keep your letter short and attach proof.
• Not opening mail: Many agencies give 10–14 days to respond. Open mail the day it arrives.
• Paying old time‑barred debts: Don’t restart the clock—get legal advice first. (law.justia.com)
• Letting utilities lapse: Apply for LIHEAP early and ask your utility for a plan before shutoff. (hca.nm.gov)

Credit Repair Timeline—What to Expect

Diverse Communities—Targeted Tips and Resources

• LGBTQ+ single mothers: Inclusive child care and health coverage options are available statewide. When applying for Medicaid or child care, household composition is about who lives and eats together—use your current household. For discrimination or benefits problems, call New Mexico Legal Aid at (833) 545‑4357. (newmexicolegalaid.org)
• Single mothers with disabilities or with disabled children: Medicaid pathways and SSI‑related rules can help; NM also offers longer SNAP certification for certain disabled adults. Ask for reasonable accommodations on applications. SNAP renewal up to 36 months may apply for some disabled customers without earned income. (hca.nm.gov)
• Veteran single mothers: Use VA benefits and apply for Medicaid if needed—there’s no penalty for holding both. For free legal help with discharge upgrades or benefits, start with New Mexico Legal Aid and ask about veteran services. (newmexicolegalaid.org)
• Immigrant/refugee single moms: Some programs are open regardless of immigration status for your child (e.g., WIC, many school meals); SNAP/Medicaid have qualified status rules. If you’re unsure, talk to ISD; asking questions doesn’t trigger immigration enforcement.
• Tribal‑specific resources: Native families can opt into Turquoise Care or use Fee‑For‑Service Medicaid; some services are tribally administered. Check the HCA pages and your tribal social services. (hca.nm.gov)
• Rural single moms: If you’re far from ISD offices, apply online via YesNM, upload docs by phone camera, and use 2‑1‑1 for local church funds or fuel vouchers. (uwswnm.org)
• Single fathers: All programs above are available if you’re the custodial parent. CSSD can also help you establish custody and support. (hca.nm.gov)
• Language access: HCA and DWS provide Spanish‑language materials and interpreter services. Ask for an interpreter during your call or interview. (dws.state.nm.us)

Region‑By‑Region Quick Links

• Albuquerque & Bernalillo area: Minimum wage enforcement and wage claims—Labor Relations (505) 841‑4400; Child Support South office at 1015 Tijeras NW; New Mexico Legal Aid main office (505) 243‑7871. (dws.state.nm.us, hca.nm.gov, newmexicolegalaid.org)
• Santa Fe: Living Wage is $15.00/hr citywide (effective 3/1/2025); NMLA Santa Fe (505) 982‑9886. (santafenm.gov, newmexicolegalaid.org)
• Las Cruces & Doña Ana: NMLA Las Cruces (575) 541‑4800; United Way 2‑1‑1 for local rent/utility help. (newmexicolegalaid.org, uwswnm.org)
• Farmington/Navajo Nation: CSSD Farmington office; Shiprock/Navajo Nation offices available for child support questions. (hca.nm.gov)
• Roswell/SE NM: NMLA Roswell (575) 623‑9669. (newmexicolegalaid.org)

Program‑By‑Program: How to Apply, What to Bring, and Plan B

SNAP

• How to apply: Online at YesNM, by phone (800) 283‑4465, or at an ISD office. (hca.nm.gov)
• Eligibility: Citizenship/qualified non‑citizen rules apply; assets limits exist for some households; NM uses 200% FPL for gross income screening. Seniors/disabled with no earnings may get 36‑month certs. (hca.nm.gov)
• Documents: ID, who lives and eats together, last 30 days of income, rent, utilities, child care. (hca.nm.gov)
• Plan B: If denied, request a fair hearing by the deadline on your notice and keep applying for food pantries (2‑1‑1). (uwswnm.org)

TANF (NMWorks)

• How to apply: YesNM or ISD office. Ask about work support services and one‑time special needs if offered. (srca.nm.gov)
• Eligibility: Very low income; standard of need figures above; resources limited (liquid $1,500\ast \ast ,non‑liquid\ast \ast$2,000). (srca.nm.gov)
• Plan B: If you can’t or don’t want cash assistance, ask ISD whether you qualify for support services only (transport, fees) if your income is under 100% FPL. (srca.nm.gov)

Child Care Assistance

• How to apply: Call (800) 832‑1321 or visit an ECECD field office. (nmececd.org)
• Eligibility: Working, school, job‑search, or training; income up to 400% FPL; copays waived statewide until ECECD gives 3 months notice before any change. (nmececd.org)
• Plan B: If provider slots are limited, ask your worker to help you search for providers who accept subsidy or check Head Start.

WIC

• How to apply: Contact your county WIC clinic; bring ID, proof of residence, and income.
• Benefits: See current fruit/veg cash benefit amounts above. (fns.usda.gov)
• Plan B: If clinic is full, ask about phone enrollment and alternate pickup sites.

LIHEAP

• How to apply: YesNM or at ISD. For crisis, upload your disconnect notice. (hca.nm.gov)
• Eligibility: Income up to 150% FPL (state LIHEAP policy), benefit amounts above. Program is year‑round in NM. (liheapch.acf.hhs.gov, liheapch.acf.gov)
• Plan B: Ask your utility for company assistance (e.g., PNM Good Neighbor Fund via Salvation Army, phone (888) 342‑5766). (liheapch.acf.hhs.gov)

Real‑World Example

Scenario: You’re a mom of two in Las Cruces. Your car repair put two cards late and PNM sent a disconnect notice.

• Day 1: Pull all three credit reports. Set autopay to cover minimums. Call PNM, ask for a payment plan, and apply to LIHEAP crisis with the disconnect notice. (hca.nm.gov)
• Day 2: Apply for SNAP (expedited), child care assistance if needed, and renew Medicaid at YesNM. (hca.nm.gov, nmececd.org)
• Week 1: Dispute a mistaken late mark on a closed card (send proof of on‑time payment).
• Week 2: Call NMLA about a payday loan collector threatening unlawful arrest; report scam behavior to NM DOJ if needed. (newmexicolegalaid.org, nmdoj.gov)
• Week 3: Use the first LIHEAP payment to stop shutoff, bring cards current, and consider a secured card to rebuild.

Tables You Can Use

Table—2025 HHS Poverty Guidelines (48 states/DC) and Key Program Anchors

Table—SNAP Maximum Monthly Allotments (Oct 2024–Sep 2025)

Table—TANF (NMW) Standard of Need (effective March 1, 2025)

Table—WIC Cash‑Value Benefit (CVB) for Fruits & Vegetables (FY2025)

Table—Minimum Wage Snapshot (2025)

Local Organizations That Actually Pick Up the Phone

• New Mexico Legal Aid: Intake (833) 545‑4357; offices statewide (Albuquerque (505) 243‑7871, Santa Fe (505) 982‑9886, Las Cruces (575) 541‑4800, Roswell (575) 623‑9669). (newmexicolegalaid.org)
• United Way 2‑1‑1: Dial 211 for referrals to rent, utilities, food, diapers, and more. Example hub: United Way of Southwest NM 2‑1‑1. (uwswnm.org)
• Child Support Services Division: Customer line (800) 283‑4465; email Child.Support@hca.nm.gov; pay and case tools via online portal; field offices statewide. (hca.nm.gov)
• PNM Good Neighbor Fund: Help with electric bills via Salvation Army; phone (888) 342‑5766. (liheapch.acf.hhs.gov)
• Department of Workforce Solutions—Unemployment: File claims (877) 664‑6984, or online; find job help and appeal info. (dws.state.nm.us)

10 State‑Specific FAQs

• Q: What’s the fastest way to get SNAP right now?
  A: Apply at YesNM and ask for “expedited SNAP.” If you qualify, benefits can be issued quickly. Max for 4 is $975 per month through September 30, 2025. (hca.nm.gov, fns.usda.gov)
• Q: Do I really get free weekly credit reports?
  A: Yes—Equifax, Experian, TransUnion made weekly reports free permanently at AnnualCreditReport. (investor.equifax.com)
• Q: How much cash help can TANF offer?
  A: The “standard of need” for 3 is $550\ast \ast andfor4is\ast \ast$663; your grant depends on countable income and family size. (srca.nm.gov)
• Q: Is child care still free for most families?
  A: New Mexico currently waives copays and serves up to 400% FPL; ECECD will give 3 months notice before changing copays. Apply at (800) 832‑1321. (nmececd.org)
• Q: What’s the minimum wage where I work?
  A: Statewide it’s $12.00/hr\ast \ast ;in\ast \ast SantaFe\ast \ast it’s\ast \ast$15.00/hr as of March 1, 2025. The higher rate applies. (dws.state.nm.us, santafenm.gov)
• Q: Can I get help with a shutoff notice?
  A: Yes—apply for LIHEAP crisis and ask your utility for a payment plan. Typical crisis help up to $490 in NM. (liheapch.acf.hhs.gov)
• Q: What does “200% FPL for SNAP” mean?
  A: NM screens most households at 200% FPL for gross income. Example: a 4‑person household up to about $5,200/month may qualify if other rules are met. (hca.nm.gov)
• Q: How do I find my child support office?
  A: Call (800) 283‑4465 or check the Child Support Field Offices list for addresses and hours. (hca.nm.gov)
• Q: What’s the lawsuit deadline on old debts in NM?
  A: Many written contracts have a six‑year statute under NMSA 37‑1‑3, but rules vary—get legal advice before paying old debts. (law.justia.com)
• Q: Is there a New Mexico Child Tax Credit?
  A: Yes—refundable and income‑based up to $622 per child for lower incomes; see TRD’s Child Tax Credit page for the full chart. (tax.newmexico.gov)

What to Say and Send—Templates That Work

• Debt dispute cover note: Subject: Dispute of inaccurate tradeline
  Body: “I am disputing the accuracy of account [last four digits]. The balance and date reported are incorrect. See attached statement dated [mm/dd/yyyy]. Please reinvestigate and correct or delete.”
• Utility payment plan ask: Subject: Medical/financial hardship and shutoff
  Body: “I received a disconnect notice for account [number]. I applied for LIHEAP today. I request a payment arrangement and to flag my account for hardship hold while the payment posts.”

About This Guide

Compiled by the ASingleMother.org Editorial Team: Researchers focused on New Mexico benefits

Methodology: Only official sources—New Mexico Health Care Authority, Department of Workforce Solutions, USDA/FNS, HHS, and established nonprofits—were used, with links and phone numbers verified.

Editorial Standards: We follow our Editorial Standards page for primary‑source verification, documented links, and timely corrections. Last verified September 2025; next review April 2026.

Contact for corrections: info@asinglemother.org

Disclaimer

Accuracy and updates: Programs can change quickly, and amounts may adjust with new budgets or cost‑of‑living updates. Always confirm with the agency before you act.

Not legal advice: This guide is information, not legal advice or a guarantee of benefits or outcomes.

Keep your information safe: Only use official sites (for example, YesNM, HCA, DWS, USDA). Do not share personal data with unknown callers or sites. For scams using government names, report to the NM Department of Justice Consumer Protection at (505) 222‑9000. (nmdoj.gov)

Sources Cited (selected)

• SNAP—amounts and dates: USDA SNAP FY2025 COLA; SNAP NM program info and 200% FPL update. (fns.usda.gov, hca.nm.gov)
• TANF (NMW): NMAC 8.102.500 amendment with standards of need and income screens; HCA press update. (srca.nm.gov, hca.nm.gov)
• WIC: USDA WIC FY2025 CVB amounts. (fns.usda.gov)
• Child care assistance: ECECD program details (eligibility up to 400% FPL; copays waived; 14‑day docs). (nmececd.org)
• Medicaid: HCA Turquoise Care; HHS 2025 FPL; children’s continuous coverage. (hca.nm.gov, aspe.hhs.gov, hsd.state.nm.us)
• LIHEAP: HCA application page; LIHEAP Clearinghouse NM benefits and program dates; PNM Good Neighbor. (hca.nm.gov, liheapch.acf.hhs.gov, liheapch.acf.gov)
• Minimum wage: NM DWS minimum wage info; City of Santa Fe living wage updates. (dws.state.nm.us, santafenm.gov)
• Child support: HCA Contact and Field Offices pages. (hca.nm.gov)
• Legal help: New Mexico Legal Aid main page and locations. (newmexicolegalaid.org)
• Unemployment: DWS Unemployment main page; monetary determination notice. (dws.state.nm.us)
• Credit reports: Equifax/Experian/TransUnion press release—free weekly reports permanent. (investor.equifax.com)

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If you want, I can generate filled‑in dispute letters, a custom one‑page money plan, or a deadline calendar based on your exact situation.

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🏛️More New Mexico Resources for Single Mothers

Explore all assistance programs in 34 categories available in New Mexico

• 📋 Assistance Programs
• 💰 Benefits and Grants
• 👨‍👩‍👧 Child Support
• 🌾 Rural Single Mothers Assistance
• ♿ Disabled Single Mothers Assistance
• 🎖️ Veteran Single Mothers Benefits
• 🦷 Dental Care Assistance
• 🎓 Education Grants
• 📊 EITC and Tax Credits
• 🍎 SNAP and Food Assistance
• 🔧 Job Training
• ⚖️ Legal Help
• 🧠 Mental Health Resources
• 🚗 Transportation Assistance
• 💼 Job Loss Support & Unemployment
• ⚡ Utility Assistance
• 🥛 WIC Benefits
• 🏦 TANF Assistance
• 🏠 Housing Assistance
• 👶 Childcare Assistance
• 🏥 Healthcare Assistance
• 🚨 Emergency Assistance
• 🤝 Community Support
• 🎯 Disability & Special Needs Support
• 🛋️ Free Furniture & Household Items
• 🏫 Afterschool & Summer Programs
• 🍼 Free Baby Gear & Children's Items
• 🎒 Free School Supplies & Backpacks
• 🏡 Home Buyer Down Payment Grants
• 🤱 Postpartum Health & Maternity Support
• 👩‍💼 Workplace Rights & Pregnancy Protection
• 💼 Business Grants & Assistance
• 🛡️ Domestic Violence Resources & Safety
• 💻 Digital Literacy & Technology Assistance
• 🤱 Free Breast Pumps & Maternity Support