Utah Job Training for Single Mothers (2025 No‑Fluff Guide)

Last updated: September 2025

This guide is written for single moms in Utah who need real, fast answers about job training, how to pay for it, and how to keep food on the table and kids cared for while you upskill. Every program, amount, and phone number below comes from official Utah or federal sources and is verified for 2025. Links are descriptive and clickable.

Quick Help Box

• Call Utah Eligibility Services for benefits (SNAP, Child Care, TANF/FEP): 1‑866‑435‑7414 or Salt Lake area 801‑526‑0950. Apply and manage benefits on Utah myCase (apply/manage benefits). (jobs.utah.gov)
• Get job training funds (WIOA) or help choosing training: Start at your nearest DWS Employment Center or create a job seeker account and apply for “Career & Education Services” in my Job Search (training application info). (apprenticeship.utah.gov)
• Need childcare while you work or train? Utah’s Child Care Subsidy now accepts income up to 85% of State Median Income (SMI). For a household of 3, that’s up to $6,637/month\ast \ast ;for6,upto\ast \ast$10,430/month. Apply via myCase Child Care. (jobs.utah.gov)
• Cash help tied to job training (TANF/Family Employment Program): Up to $662/month for a family of 3 (more below). Learn rules and apply: Family Employment Program overview and amounts. (jobs.utah.gov)
• SNAP while training: FY2025 max SNAP for a family of 3 is $768/month (federal). See 2025 standards: USDA SNAP FY2025 COLA. (fns.usda.gov)
• Disability or health condition affecting work? Utah Vocational Rehabilitation (USOR): call 1‑866‑454‑8397; eligibility decisions are usually within 60 days. Start here: Apply for VR services. (jobs.utah.gov)
• One‑on‑one job readiness just for single moms: People Helping People (PHP). Call 801‑583‑5300 or visit PHP—Our Program and Contact. (phputah.org)

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Quick Reference Cheat Sheet (scan this first)

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Start Here: Don’t pay for training before DWS approves it

Your fastest path to funded training is through the Utah Department of Workforce Services (DWS). If you need tuition help, do not enroll or pay out‑of‑pocket before your counselor issues a written authorization for a program on the state’s Eligible Training Provider List (ETPL). Utah’s ETPL rules state that DWS cannot pay costs incurred before approval. Go through DWS first. (jobs.utah.gov)

Action steps:

• Create a job seeker account and request training help (“Career & Education Services”) via my Job Search—Apply for training. (apprenticeship.utah.gov)
• Or go in person to a nearby DWS Employment Center (phones at the end) and ask for an appointment with an employment counselor to discuss WIOA training. (jobs.utah.gov)
• Bring proof of Utah residency, ID, income (or unemployment), and a short list of target jobs you’ll pursue after training.

What to do if this doesn’t work:

• If you’re denied training funds, ask your counselor to document exactly why and what you need to change (for example: a different occupation with more openings). Then revisit in 30–60 days with updated labor‑market info (DWS can print wage and opening data for you). See also “Plan B” providers (PHP, Utah Community Action) in the Local Organizations section below. (train.jobs.utah.gov, utahca.org)

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Utah Programs That Pay While You Train (or help you afford to)

A. Family Employment Program (FEP — Utah’s TANF cash assistance) + training

Most single moms who qualify for FEP cash also get an employment plan that can include approved training, child care, transportation help, and job search. For 2025, the official FEP amounts are:

Full table (sizes 1–10) is on the state site. Lifetime limit is generally 36 months. Apply via myCase or by phone, and you’ll be assigned a counselor. (jobs.utah.gov)

Key points:

• Your training must be part of your employment plan and lead to work fast.
• If approved for FEP, you’ll also qualify for the Family Employment Child Care program (see Child Care section).
• You must follow your plan and meet participation each week.

What to do if this doesn’t work:

• If you’re over the FEP income limits or prefer not to take cash aid, ask for WIOA training services only (no cash), which can still cover tuition if you’re eligible. (jobs.utah.gov)

B. Child Care while you work/train

Utah’s Child Care Subsidy can cover a large portion of your child care bill while you work and, if approved, train. Main program for working parents is Employment Support Child Care (ESCC). Top income for new approvals is 85% of Utah SMI. Examples (monthly, “Group 16” top of eligibility):

• Household of 2: $5,373
• Household of 3: $6,637
• Household of 4: $7,902
• Household of 5: $9,166
• Household of 6: $10,430

Source: Utah Office of Child Care income and co‑pay table effective Oct 1, 2024 (still current through FY2025). Training must be completable within 24 months, and you must be employed (exceptions for GED/HS). Apply via myCase. (jobs.utah.gov)

Maximum monthly subsidy payments (state pays provider up to the caps below; you may owe a co‑pay and any amount above the cap):

Effective Oct 1, 2024. Your co‑pay depends on income and number of children in care. (jobs.utah.gov)

Reality checks and tips:

• Benefits generally run for a 12‑month certification. Report provider changes quickly in myCase to avoid overpayments. Benefits may start from the date your application is received (or the date care starts), whichever is later. (jobs.utah.gov)
• Utah’s minimum work requirement for a single parent is an average of 15 hours/week at at least minimum wage. Utah’s minimum wage is $7.25/hour (state adopts the federal rate). (jobs.utah.gov, laborcommission.utah.gov)

What to do if this doesn’t work:

• If you don’t meet the work rule yet, ask DWS about “Kids in Care” (short‑term child care while you job‑hunt) and low‑cost preschool/Head Start via Utah Community Action. (jobs.utah.gov, utahca.org)

C. SNAP (Food Stamps) while upskilling

Food help can make training doable. FY2025 SNAP maximums for the 48 states:

Utah may require you to do SNAP Employment & Training (E&T) activities (virtual workshops, job contacts) unless you’re exempt. (fns.usda.gov, jobs.utah.gov)

Seasonal help for school‑age kids: Utah “SUN Bucks” (Summer EBT) benefits began June 6, 2025. For card activation or support, contact 833‑940‑2990. (jobs.utah.gov)

What to do if this doesn’t work:

• If you’re sanctioned or can’t meet E&T activities, talk to your DWS worker about exemptions (e.g., caring for a young child, health limits) and switch your plan to something you can do. (jobs.utah.gov)

D. Apprenticeships (paid training) in Utah

Registered apprenticeships pay wages from day one, include related classroom instruction, and lead to a nationally recognized credential. Utah reports 4,800+ active apprentices and 290+ registered programs statewide. Many programs are expanding beyond construction into healthcare, IT, education, and manufacturing. (jobs.utah.gov)

• Find openings and sponsors: Apprenticeship Utah—Find Opportunities. If you need help paying class costs or supplies, apply for Career & Education Services through DWS (see the “Apply here” steps on that page). (apprenticeship.utah.gov)
• National overview of “earn while you learn”: apprentices receive progressive wage increases and a portable credential. (apprenticeship.gov)

What to do if this doesn’t work:

• If you can’t find an open slot, call a sponsor from the ETPL list to ask when they’re accepting new applications, or ask a DWS counselor to help develop an apprenticeship with an employer (Utah can sometimes help fund on‑the‑job training). (jobs.utah.gov)

E. Vocational Rehabilitation (USOR) if you have a disability

If a physical or mental health condition limits work or training, USOR may fund tuition, tools, transportation, or accommodations to get and keep a job. Steps:

• Find a local office or call 1‑866‑454‑8397 to schedule a welcome session. Bring any medical/school records you have. (jobs.utah.gov)
• Standard eligibility decision is within 60 days; then you’ll build an Individualized Plan for Employment with your counselor. (jobs.utah.gov)
• If you receive SSI/SSDI and are worried about losing benefits when working, ask about Utah Work Incentive Planning Services (UWIPS): 801‑887‑9530. (jobs.utah.gov)

What to do if this doesn’t work:

• If you disagree with a USOR decision, call the Disability Law Center’s Client Assistance Program at 1‑800‑662‑9080. (jobs.utah.gov)

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What Training Actually Costs in Utah (real numbers for 2025)

Prices vary by school and program. Here are current published tuition rates from Utah public institutions:

• Davis Technical College (clock‑hour programs): $2.10/hour\ast \ast tuition(plusmodestfees).Example900‑hourprogramtuition\approx \ast \ast$1,890 before books/fees. (davistech.edu)
• Ogden‑Weber Technical College (credit‑hour model): **$95/credithour\ast \ast (notingsomeprogramsalsocite$2.00 per clock hour in older cost materials; follow current program sheets). (otech.edu)
• Salt Lake Technical College at SLCC: $99/credit hour for SLTC courses (different from regular SLCC resident tuition). (slcc.edu)

Tips:

• Many short programs (CNA, phlebotomy, machining, IT support) fit within a few months; WIOA and VR can often cover tuition, exams, and required supplies when approved. (jobs.utah.gov)
• Utah Works (Talent Ready Utah) sponsors employer‑aligned, tuition‑free short courses when available (varies by year). See currently funded offerings (manufacturing, construction, sales, etc.). (talentready.ushe.edu)

What to do if this doesn’t work:

• If a public program waitlist is long, ask DWS about approved private ETPL providers for the same credential, or switch to an apprenticeship track that pays you while you learn. (jobs.utah.gov, apprenticeship.utah.gov)

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Will Training Lead to Jobs? Utah’s 2023–2024 Outcomes (WIOA)

Federal performance data show Utah’s WIOA programs produce strong results:

• WIOA Adult participants had a median earnings of $8,186 in the second quarter after exit (roughly months 4–6 after finishing). Employment in the 4th quarter after exit was 72.8%. (dol.gov)
• Apprenticeship completers have high retention nationally and earn progressive wages as they upskill. (apprenticeship.gov)

These aren’t guarantees for every person, but they’re a realistic snapshot of how training translates to work in Utah today. (dol.gov)

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Child Care & Income Limits (at a glance)

Use this to quickly see if you might qualify for child care help while working/training.

Source: Utah Office of Child Care “Table 4 – Child Care Income Eligibility and Co‑Payment” (effective Oct 1, 2024). (jobs.utah.gov)

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Pell Grant and Financial Aid (if your training is Title IV‑eligible)

If your approved program is federal‑aid eligible, Pell can help with tuition and living costs:

• 2025–26 maximum Pell Grant: $7,395\ast \ast ;minimumPell:\ast \ast$740. Award year runs July 1, 2025–June 30, 2026. Complete FAFSA early. (fsapartners.ed.gov)
• Some Utah technical and community college programs are Pell‑eligible; your school’s aid office can confirm.

What to do if this doesn’t work:

• If your program is noncredit/non‑Title IV, ask DWS about WIOA support or pick a Pell‑eligible program with the same job outcome (e.g., a for‑credit certificate). (jobs.utah.gov)

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Real‑World Example Scenarios (with 2025 numbers)

• Healthcare certificate + child care: A single mom of 2 (household of 3) starting a 6‑month Medical Assistant program at a Utah technical college (tuition roughly $1,890\ast \ast for900clockhoursatDavisTech’s\ast \ast$2.10/hour tuition, plus fees/books). She gets ESCC child care with income under $6,637/month\ast \ast (85$992 for a 2‑year‑old in a licensed center). If she qualifies for FEP, she could also receive $662/month cash and Family Employment child care. (davistech.edu, jobs.utah.gov)
• Apprenticeship start: A mom enters a paid healthcare apprenticeship. DWS funds related classroom costs; she earns wages immediately and increases pay as skills grow; upon completion, she gets a portable credential. (apprenticeship.utah.gov, apprenticeship.gov)

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Common Mistakes to Avoid

• Paying tuition or buying tools before DWS approval. DWS can’t reimburse costs incurred before authorization. Always get the written approval first. (jobs.utah.gov)
• Choosing a program that’s not on Utah’s ETPL (WIOA‑funded training must be ETPL‑approved). Confirm your program is on the list. (jobs.utah.gov)
• Missing child care rules: training must be completable within 24 months and you must be working (some exceptions for GED/HS). Keep your provider and myCase info up to date to avoid overpayments. (jobs.utah.gov)
• Ignoring SNAP E&T: If required, complete the virtual workshop and monthly activities to avoid sanctions. (jobs.utah.gov)
• Overlooking VR: If your health limits work, VR can fund training, tools, accommodations—ask. Eligibility decisions target 60 days. (jobs.utah.gov)

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Application Checklist (bring/upload these)

• Photo ID and proof of Utah residency.
• Social Security numbers (if available) for you/children (not required for Child Care eligibility beyond the child’s status; you may leave SSN blank on the child care application). (jobs.utah.gov)
• Proof of income (pay stubs, self‑employment records), or unemployment.
• Class schedule/plan (if training), expected end date, and school/program name (ETPL preferred). (jobs.utah.gov)
• Child care provider info (licensed or approved FFN provider) and children’s ages. (jobs.utah.gov)

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Local Organizations (practical, free help)

• People Helping People (employment coaching just for single moms): SLC office 265 E 100 S, Ste 280; Ogden office 2955 Harrison Blvd #104B. Phone 801‑583‑5300. Workshops, mentoring, employer meet‑and‑greets, and a Single Mothers Job Fair (fall 2025). PHP Program and PHP Contact. (phputah.org)
• Utah Community Action—Workforce Development (GED prep, CDA credential, job readiness, ESL; Salt Lake & Tooele residents): UCA Workforce Development page. Main line 801‑359‑2444. (utahca.org)
• Utah Refugee Center (job help, training, ESL; walk‑in support): 150 N 1950 W, SLC. Phone 801‑618‑5096. Refugee Center resources and programming. (jobs.utah.gov)
• Utah Pride Center (LGBTQIA+ community resources; job listings and support groups): 68 S Main St, 9th Fl, SLC. Phone 801‑539‑8800. Utah Pride Center—Contact & Resources. (utahpridecenter.org)
• 211 Utah (find local training, food, rent help, child care, legal aid): Dial 211 or 888‑826‑9790; text your ZIP to 801‑845‑2211; Search 211 Utah. (211utah.org)

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Diverse Communities: Focused Paths to Training and Work

• LGBTQ+ single mothers: The Utah Pride Center offers community resources, job postings under “Jobs,” support groups, and referrals (affirming providers, legal, mental health). Call 801‑539‑8800; see the Community Resources hub and the Contact page. (utahpridecenter.org)
• Single mothers with disabilities or caring for a disabled child: Connect with USOR (VR) to fund training, equipment, or accommodations and get a job plan. Apply and attend a welcome session; eligibility decisions target 60 days. For questions on benefits while working (SSI/SSDI, Medicaid), call UWIPS 801‑887‑9530. (jobs.utah.gov)
• Veteran single mothers and military spouses: DWS Veteran Employment Services give priority in job centers, résumé translation, and help with short‑term training/licensing (ACE). Find a veteran specialist and get priority service by stating “I’m a Veteran” at check‑in. See Veteran Employment Services. (train.jobs.utah.gov)
• Immigrant/refugee single moms: The Utah Refugee Center (SLC) runs job skills workshops, employer tours, and technology/IT classes, plus English learning. Walk in M–F 8:30–5:00. Refugee Center Employment & Programming. (jobs.utah.gov)
• Tribal citizens: Many tribal governments operate their own WIOA or workforce programs. If you’re unsure where to start, dial 211 to be connected to tribal employment services nearest you, and ask your DWS counselor about coordination. (211utah.org)
• Rural single moms: If you live far from a campus, ask DWS about online‑friendly ETPL programs or apprenticeships with local employers, and use DWS virtual workshops. See DWS Workshops (in‑person/online). (train.jobs.utah.gov)
• Single fathers: The same Utah programs (FEP, Child Care, WIOA, VR) apply to single dads with minor children. Use the same contacts and steps as above.
• Language access: DWS provides interpreters and translated materials; you can apply for benefits without providing immigration/work authorization info for household members other than the eligible child in child care cases. See “Non‑Citizens” on the Child Care site. (jobs.utah.gov)

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Where to Get Help In Person (selected DWS Employment Centers)

• Salt Lake Metro, 720 S 200 E, Salt Lake City — 801‑536‑7000
• South County (Taylorsville), 5735 S Redwood Rd — 801‑269‑4700
• West Valley, 2750 S 5600 W — 801‑840‑4400
• Ogden, 480 27th St — 801‑626‑0300
• Clearfield, 1290 E 1450 S — 801‑776‑7800
• Provo, 1550 N 200 W — 801‑342‑2600
• St. George, 162 N 400 E, Bldg B — 435‑674‑5627
• Logan, 180 N 100 W — 435‑792‑0300

Full statewide list is maintained by DWS. (jobs.utah.gov)

If you can’t get through by phone, call the central Eligibility lines (Mon–Fri 8–5): 801‑526‑0950 (SL area) or 1‑866‑435‑7414 (toll‑free). Fax: 1‑877‑313‑4717. Appeals (fair hearings): 1‑877‑837‑3247. (jobs.utah.gov)

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Reality Checks, Warnings, and Timelines

• Approval isn’t instant. WIOA funding requires assessments, a training plan, and proof your program leads to work. Expect a few appointments before you get an authorization. Don’t start class before you have it in writing. (jobs.utah.gov)
• Child care starts from the application date or the start of care—whichever is later—if you’re eligible. Cert periods are typically 12 months. Changing providers mid‑month can cause overpayment issues; report changes quickly in myCase. (jobs.utah.gov)
• SNAP has yearly updates; for FY2025, max benefits rose slightly. If you’re assigned to SNAP E&T, complete the virtual workshop and activities to keep benefits. (fns.usda.gov, jobs.utah.gov)
• Utah minimum wage is still $7.25/hour in 2025; training and credentials are the realistic way to boost wages above entry level. (laborcommission.utah.gov)
• If a health condition limits your participation, tell your DWS worker and ask for a reasonable accommodation or a VR referral. VR aims to determine eligibility within 60 days. (jobs.utah.gov)

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Quick Tables You Can Use

Table: FEP (TANF) 2025 Key Amounts (selected sizes)

Full table available at the DWS page. (jobs.utah.gov)

Table: SNAP FY2025 Maximums (48 states + DC)

Source: USDA FNS FY2025 COLA. (fns.usda.gov)

Table: Child Care—Maximum Monthly Payment Caps (licensed centers)

Applies statewide; co‑pays and provider charges over the cap are your responsibility. (jobs.utah.gov)

Table: Utah Public Training—Sample Tuition Rates

Table: Utah WIOA Adult Outcomes (PY2023)

U.S. Department of Labor performance assessment (Feb 26, 2025). (dol.gov)

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Step‑by‑Step: How to Line Up Training, Cash/Child Care, and a Job

• Meet with DWS first (or apply online) to see if you qualify for FEP cash and/or WIOA training funds. If FEP isn’t right, ask for WIOA only.
• Pick an in‑demand program on the ETPL and get a written training authorization before enrolling or buying supplies. (jobs.utah.gov)
• Apply for Child Care Subsidy the same week. If approved, benefits can start from the application date or care start date (whichever is later). Choose a licensed provider to maximize the subsidy. (jobs.utah.gov)
• If you have a disability or health barrier (yours or your child’s), apply to USOR VR for added support. (jobs.utah.gov)
• Use SNAP or SUN Meals/SUN Bucks to steady food costs while you train. Complete any SNAP E&T steps assigned. (fns.usda.gov, jobs.utah.gov)

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FAQs (Utah‑specific)

• Can DWS pay for CDL, CNA, MA, IT support, or welding?
  Yes—if the program is on the ETPL and your counselor approves it as part of your plan. Always confirm ETPL status and get authorization before enrollment. (jobs.utah.gov)
• Will child care cover time I’m in class?
  Yes, if you meet work requirements and your training is within the 24‑month completion rule (exceptions for GED/HS). Pick an approved provider. (jobs.utah.gov)
• I was denied FEP cash. Can I still get training help?
  Yes. Ask for WIOA training without cash assistance. Funding is case‑by‑case and tied to job outcomes. (jobs.utah.gov)
• How fast does VR decide?
  USOR aims to determine eligibility within 60 days after your appointment and documentation. (jobs.utah.gov)
• What’s Utah’s minimum wage (for child care work rule)?
  $7.25/hour in 2025. (laborcommission.utah.gov)
• Can SNAP require job activities if I’m in training?
  Yes; unless you’re exempt. Utah’s SNAP E&T involves a virtual workshop and logged job contacts; talk to your worker if you need an exemption. (jobs.utah.gov)
• Does child care cover a second degree or graduate school?
  No—post‑graduate or second degrees aren’t supported under ESCC; short‑term trainings are. (jobs.utah.gov)
• What if I start class before DWS approves funding?
  DWS cannot pay retroactive costs; you’d be responsible. Don’t start without written authorization. (jobs.utah.gov)
• Are apprenticeships only construction?
  No. Utah has registered programs in healthcare, IT, education, manufacturing, and more. (jobs.utah.gov)
• Where do I find statewide help numbers?
  Eligibility Services 1‑866‑435‑7414; Child Care info and application at Child Care Assistance; 211 Utah 888‑826‑9790. (jobs.utah.gov, 211utah.org)

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What to Do If You Hit a Wall (Plan B)

• Call PHP (801‑583‑5300) for one‑on‑one employment coaching, résumé/interview prep, and “employer meet & greets” specifically for single moms. (phputah.org)
• Visit a DWS Employment Center and ask for a supervisor or another counselor for a second look at your training plan. Bring job postings and wage data for your target job (DWS can print them). (jobs.utah.gov)
• If a disability is in play and you haven’t tried VR yet, apply now. It can open doors to equipment, tuition, and placement services. (jobs.utah.gov)
• Use 211 Utah to locate local scholarships, church assistance, transportation help, and low‑cost internet so you can finish training. (211utah.org)

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About This Guide

Compiled by the ASingleMother.org Editorial Team

• This guide uses official sources from the Utah Department of Workforce Services, Utah Office of Child Care, Utah State Office of Rehabilitation, USDA Food and Nutrition Service, U.S. Department of Labor, Utah System of Higher Education, and established nonprofits (PHP, Utah Community Action, Utah Pride Center).
• We follow our Editorial Standards with verified links, current tables, and clear caveats where policies vary. We do not guarantee individual outcomes and we are not a government agency.
• Last verified September 2025; next review April 2026.

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Disclaimer

Program amounts, rules, and eligibility can change. Always confirm with the agency or school before you apply or enroll. For any health‑related services, consult licensed professionals. We work to keep this page accurate and secure; if you see an error or a broken link, email info@asinglemother.org and we’ll investigate within 48 hours per our policy.

Security reminder: Use official portals (myCase, Apprenticeship Utah, school sites) and avoid sharing personal information over public Wi‑Fi. Enable two‑factor authentication where offered.

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Sources (selected)

• Family Employment Program amounts and rules: DWS FEP—How Much Will I Receive and FEP overview. (jobs.utah.gov)
• Child Care eligibility, income and co‑pay table (effective Oct 1, 2024) and maximum monthly subsidy rates: Employment Support Child Care, Child Care Assistance hub, Income/Co‑Pay Table PDF, Max Payment Table PDF. (jobs.utah.gov)
• SNAP FY2025 maximums and standards: USDA FNS—FY2025 COLA. Utah SNAP E&T requirements: DWS Work Requirements—E&T. (fns.usda.gov, jobs.utah.gov)
• Apprenticeships in Utah: Apprenticeship Utah—Find Opportunities and state press release noting 4,800+ apprentices/290+ programs; national Registered Apprenticeship overview: apprenticeship.gov. (apprenticeship.utah.gov, jobs.utah.gov, apprenticeship.gov)
• Vocational Rehabilitation (USOR): Apply/Eligibility timeline and Contact VR. Work Incentive Planning (UWIPS): UWIPS page. (jobs.utah.gov)
• Utah public tuition examples: Davis Tech—Cost info; Ogden‑Weber—Tuition; SLTC—Tuition & Fees. (davistech.edu, otech.edu, slcc.edu)
• WIOA performance outcomes: U.S. DOL—Utah PY2023 Performance Assessment. (dol.gov)
• Minimum wage (Utah Labor Commission): Wage Claim—Minimum Wage. (laborcommission.utah.gov)
• DWS Eligibility Services contacts and myCase portal: Contact Eligibility Services, Apply/Manage Benefits. (jobs.utah.gov)
• People Helping People: Our Program and Contact. (phputah.org)
• Utah Community Action Workforce Development: UCA Workforce Development. (utahca.org)
• Utah Refugee Center: Find a Job/Walk‑in support. (jobs.utah.gov)
• Utah Pride Center: Contact and Resources. (utahpridecenter.org)

If you need corrections or updated figures, email info@asinglemother.org and we’ll review within 48 hours.

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🏛️More Utah Resources for Single Mothers

Explore all assistance programs in 34 categories available in Utah

You may also need: Education Grants Business Grants & Assistance

• 📋 Assistance Programs
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• 🦷 Dental Care Assistance
• 🎓 Education Grants
• 📊 EITC and Tax Credits
• 🍎 SNAP and Food Assistance
• ⚖️ Legal Help
• 🧠 Mental Health Resources
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• 💼 Business Grants & Assistance
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• 📈 Credit Repair & Financial Recovery