Starlight

Customized Financial Guidance

Get personalized assistance to navigate and access government programs designed to help you save on vital expenses such as childcare, groceries, healthcare costs, utilities, and more.

Unlock Hidden Government Assistance

Through our partnership with Starlight, Oswego County Federal Credit Union members can tap into billions of dollars in unclaimed government aid, offering much-needed relief to those who qualify.

Your Comprehensive Resource for Benefits

Easily discover local, state, and federal benefits. Our platform provides estimates on potential savings for programs that can assist with:

Childcare
Food expenses
Tax credits
Unemployment benefits
Utility bills

Guidance Every Step of the Way

We offer step-by-step support to help you apply for various programs, complete with follow-up texts and reminders to ensure you stay on track.

“The savings have significantly improved my financial situation.”

“Navigating government benefits used to be daunting. With your help, it was so much simpler.”

Discover Eligible Programs

Explore government programs you may qualify for and see how they can benefit you.

Program	Description
SNAP	SNAP provides crucial food assistance to eligible individuals and families. By using an Electronic Benefits Transfer (EBT) card, similar to a debit card, recipients can purchase food at participating stores. We will help you determine your eligibility and guide you through the application process.
Medicaid / ACA	Medicaid provides comprehensive health insurance to eligible individuals and families, offering relief from the high costs of medical care. Check your Medicaid eligibility and see how you can apply.
LIHEAP	Struggling with utility bills? LIHEAP provides financial assistance to individuals and households with utilities, including electric bills, light bills, and power bills. See how you can apply for utilities assistance with LIHEAP.
Childcare	Are you struggling with childcare bills? Childcare assistance programs may offer financial relief by subsidizing the cost of childcare for eligible families. This allows parents to continue working or pursuing education while ensuring their children are cared for in a safe environment. Discover if you qualify for reduced childcare expenses and make parenting a bit easier on your wallet.
WIC	WIC supports the health of pregnant women, new mothers, and young children with nutrition education, healthcare referrals, and assistance for food. If you're a mother or expecting, see how WIC can help you and your child thrive. Check local requirements and apply to see what benefits you qualify for.
EITC	The Earned Income Tax Credit is designed to help working individuals and families receive financial relief. By reducing the amount of tax owed and potentially increasing your refund, EITC helps around 25 million people each year keep more of their hard-earned money. See what benefits you qualify for and whether you can claim this credit on your tax return.
CTC	The Child Tax Credit offers assistance to families by providing direct financial help to support the cost of raising children. This tax credit is available to qualifying families and can dramatically reduce the financial burden of parenting. Learn how you can save with the CTC by checking your eligibility.
Unemployment	For those who have lost their job through no fault of their own, unemployment benefits offer short-term financial assistance to ease the burden. These benefits support your financial needs while you seek new employment. Explore how to apply for unemployment benefits and understand your eligibility.