COVID-19 Financial Survival Toolkit for New Yorkers

Message from Comptroller DiNapoli

“The COVID-19 pandemic has created a serious public health crisis for New York and the economic impact to our State will likely be felt for a long time to come. My office is taking many proactive and positive steps to address the economic impacts of the COVID-19 crisis and we want to help New York’s residents, government entities, nonprofits and businesses alike as they navigate these uncharted waters. We created this page of helpful resources and links to give you easy access to vital assistance and information you need at this time. Since the situation is changing rapidly with each passing day, please check back regularly as we update this information.”


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Your Health

COVID-19 Financial Toolkit - Your Health

During this difficult time maintaining good physical and mental health is critically important. For guidance and assistance, you can find the latest and most reliable information on the COVID-19 outbreak using the following links:

New Yorkers can call the COVID-19 Emotional Support Hotline at 1-844-863-9314 for free and confidential emotional support.


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COVID-19 Financial Toolkit - CARES Act

The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) provides direct economic assistance for American workers and families, and small businesses. For more information, please visit: The CARES Act Works for All Americans (U.S. Department of Treasury).

A guide to COVID-19 economic stimulus relief can be found at: A Guide to COVID-19 Economic Stimulus Relief (Consumer Financial Protection Bureau).

If you are having difficulty receiving your payment, please contact your representative in Congress by visiting:

The Payroll Protection Program Flexibility Act makes certain changes to the Payroll Protection Program to provide businesses with time and flexibility to keep their employees on the payroll. For more information, please visit: Enactment of the Paycheck Protection Program Flexibility Act (U.S. Department of the Treasury).

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Employment Issues

COVID-19 Financial Toolkit - Employment Issues

The COVID-19 outbreak has had a devastating effect on many of New York’s working families. If you have been laid off, are ill or taking care of a sick family member, you may be eligible for assistance. Check out the links below to find out about unemployment, sick leave, and family sick leave benefits.

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Paying Your Bills

COVID-19 Financial Toolkit - Paying Your Bills

The COVID-19 outbreak has created a financial hardship for many people. Help may be available for those who are having trouble paying their bills at this time. Check the appropriate resources for your particular situation.

  • Mortgage Relief Coronavirus: Information for Consumers and Businesses (NYS Department of Financial Services)
  • Rent Relief - The COVID Rent Relief program provides eligible households with a one-time rental subsidy to be sent directly to the household’s landlord. To check your eligibility, visit: COVID Rent Relief Program (NYS Department of Homes and Community Renewal) 
  • Evictions -
  • Utilities - Department of Public Service Website | 1-800-342-3377
  • New York State Income Taxes Response to Coronavirus (NYS Department of Taxation and Finance)
  • Federal Income Taxes -
  • Credit Cards, Debt, Mortgages and other bills - Coping with Debt (Federal Trade Commission)
  • Student Loans
    • There is broad relief for federal student loan borrowers under the CARES Act. Generally, borrowers may temporarily stop making federal student loan payments from March 13, 2020 to September 30, 2020. For more information, visit: Coronavirus and Forbearance Info for Students, Borrowers, and Parents (U.S. Department of Education) or call 1-800-4-FED-AID (1-800-433-3243) or (TTY 1-800-730-8913).
    • New York State has collaborated with many commercial and private student loan lenders to offer help to those facing financial hardship due to COVID-19. For more information, visit: Coronavirus: Information for Student Borrowers (NYS Department of Financial Services). 
  • Loan Program - The Hebrew Free Loan Society is offering a COVID-19 Financial Impact Loan Program for those impacted by the pandemic due to job losses, child care or medical costs, and small business losses. This is a non-sectarian program for moderate and lower income residents of New York City, Long Island, and Westchester. For more information and to check eligibility, visit: Coronavirus Financial Impact Loan (Hebrew Free Loan Society).
  • Debt Collection - For those facing debt collection, the Fair Debt Collection Practices Act provides certain rights and protections. For more information, please visit: Debt Collection FAQs (Federal Trade Commission).
Assistance for Small Businesses, Local Government and Nonprofits

COVID-19 Financial Toolkit - Assistance for Small Businesses, Nonprofits, and Local Government

Resources for Small Businesses

Small businesses are the backbone of New York’s economy and our nonprofits help countless individuals and families in communities across our State. Both types of entities have been hard hit by the COVID-19 pandemic but financial assistance may be available for those small businesses and nonprofits that qualify. To learn more, please check these links:

  • Coronavirus (COVID-19): Small Business Guidance and Loan Resources (U.S. Small Business Administration) (or call 1-800-659-2955 for help applying for an Economic Injury Disaster Loan)
  • NYS Directory of Small Business Programs (NYS Department of Economic Development)
  • Main Street Lending Program (Federal Reserve) - The Federal Reserve has established the Main Street Lending Program to enhance support for small and mid-sized businesses. The Main Street Lending Program will be operated through three facilities: Main Street New Loan Facility (MSNLF), Main Street Priority Loan Facility (MSPLF) and Main Street Expanded Loan Facility (MSELF). Terms sheets and FAQs are available for each facility.

Resources for Local Governments, including School Districts

The Office of the State Comptroller’s Division of Local Government and School Accountability has created a resource directory to offer guidance to municipalities in these challenging times. For more information, please see: Updates and Resources Related to COVID-19 Public Health Crisis

Resources for Nonprofits

For nonprofit organizations, these links are useful:

Hand holding a smartphone with a dollar sign on it
Personal Finance Information/Education

COVID-19 Financial Toolkit - Personal Finance Information/Education

Now more than ever it’s important for all of us to take greater control of our own personal finances and teach our children about sound financial practices. Except where expressly indicated, none of these materials necessarily represent the views of the Office of the New York State Comptroller. Here are several resources that provide a wide range of personal finance information that could help you now and in the future:

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Avoiding Scams

COVID-19 Financial Toolkit - Avoiding Scams

During this time of crisis, it’s important to be on alert for those who would attempt to defraud you or your family. To learn how to protect yourself from scams, refer to the following sites:

Group of people with dollar sign above them
Assistance for Seniors, People with Disabilities, Veterans & Active Military

COVID-19 Financial Toolkit - Assistance for Seniors, People with Disabilities, Veterans & Active Military


  • Military OneSource is dedicated to providing timely resources, information and answers to address the health and financial impact of COVID-19 on the military community. For more information, please visit: Military OneSource (U.S. Department of Defense) or call 1-800-342-9647.
  • The Servicemembers Civil Relief Act, which was enacted in 2003, is designed to ease financial burdens on servicemembers during periods of military service. For more information, please visit: Servicemembers Civil Relief Act (U.S. Department of Defense)
  • The Department of Defense has launched an initiative to assist military spouses with financial readiness. For more information, please visit: MilSpouse Money Mission (U.S. Department of Defense) - Note: the reference to this website does not constitute or imply an endorsement or recommendation of the Office of the State Comptroller and is provided for informational purposes only.


For those Veterans affected by COVID-19, please check with Federal and State resources:


  • For help in dealing with the COVID-19 crisis, seniors can contact the NYS Office for the Aging by visiting: NYS Office of the Aging or calling 1-844-697-6321

People with Disabilities

To find resources for those with disabilities affected by COVID-19, please visit:

COVID-19 Financial Toolkit - Additional Resources

Additional Resources

The websites below also have helpful information and resources available:

  • If you need assistance finding food, paying household bills, or other essential human services, dial 2-1-1 to speak with someone who can help or visit: COVID-19 NY Response (United Way NY)*
  • Assistance for Individuals or Organizations (City of New York)
  • COVID-19 Resource Center (Office of the New York City Comptroller)
  • Get Free Financial Counseling (NYC Consumer Affairs) - NYC Financial Empowerment Centers provide free one-on-one professional, financial counseling and coaching for NYC residents.

*Please note that the reference to this website does not constitute or imply an endorsement or recommendation of the Office of the State Comptroller and is provided for informational purposes only.