The Family Self Sufficiency Program offers many services which allow residents the opportunity to become economically self-sufficient.








The Income Disallowance Plan - This plan is offered to qualifying residents who have gone from welfare to work, residents who have had an increase in income, and residents who are involved in a job training program. Financial Literacy Programs such as the FSS Savings Account are established to help you and your family save money in order to become more self-sufficient. When your rent goes up due to an increase in your earnings, the amount of the increase may be placed in a savings account for you and your family. The 1st year in which you have an increase in earned income, 100% of the increase will be disallowed. The 2nd year your rent will only increase by 50% of the initial increase. This plan enables residents to save money.

The Ceiling Rent Plan - This plan provides residents the opportunity to save a considerable amount of money. Under this plan your rent is based on bedroom size.

Homeownership Opportunities - The Residents Development Corporation (RDC) is a non-profit agency that builds homes for first time homebuyers and assists eligible residents through the process of buying homes.  The City of Lowell also has a federally funded program for down payment and closing cost assistance for first time home buyers.  For more information and for eligibility criteria please visit

Family Self Sufficiency: Section 8 and Federal Public Housing (George D. Flanagan & North Common Village) This service is offered to participants of the Section 8 Program and public housing residents. The mission of the Family Self-Sufficiency Program is to motivate residents to become employed and get off of government assistance. Residents who participate in this program have an escrow savings account established for them. Residents are able to withdraw funds from their escrow account when there is a documented need that the funds are required to maintain economic self-sufficiency, and are directly related to FSS contract goals. Participants in this plan are required to attend four seminars annually. In the past, some of the seminars have dealt with Stress and Time Management, Budgeting Techniques, Nutritional Menus, and Resume Development. The FSS Program offers many incentives to residents.


 The Family Self-Sufficiency Program (FSS) is designed to help families receiving rental assistance to become self-supporting. This program is voluntary and open to all families receiving Section 8 or public housing assistance through the Lowell Housing Authority. The only requirements are a desire to become self-sufficient and a willingness to take the steps to make this happen. The FSS Program provides support and assistance to the entire family.











How does the FSS Program work? The head of household enters into a contract with the LHA. This contract contains a service plan that identifies the desired goals of the participant and outlines the activities and services necessary to achieve those goals. The FSS Director helps the family obtain the services listed in the plan. The LHA establishes a savings account when the family increases its earned income.

The FSS Director can help you find the services you need to become self-sufficient, such as:


  • Job Training
  • Child Care
  • Educational Programs, including GED classes
  • Counseling
  • Case Management
  • Financial Literacy
  • GED/ESL Classes
  • Vocational/Employment Programs

 You will receive all of the money in your account, plus interest, when all contract goals have been fulfilled.

To complete the program, you must be working and all family members must be off public assistance (cash) benefits for at least the last 12 months of the contract. To find out more about the FSS Program, and to apply, please contact Family Self-Sufficiency. You may also download the application below, and email to This email address is being protected from spambots. You need JavaScript enabled to view it. or submit in person at:

Executive Office, 350 Moody Street



Interested in Saving for Your Child's College Education? 

Massachusetts is currently running a two-year program to assist low-income Massachusetts Children and families save for postsecondary education and training. The Soar MA program combines financial education programming to families, and includes a "529 plan" a tax-advantaged plan designed to encourage saving for higher education.  Every established matched savings  account includes a $50 deposit to jump start families in saving and future earnings are tax-free.  The program has been opened up to all eligible 7th graders at Stoklosa Middle School in Lowell, and other communities across Massachusetts.  Click below for more information about this great opportunity to get ahead.