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DEPARTMENT OF HUMAN SERVICES FAMILY INVESTMENT ADMINISTRATION SUPPLEMENTAL NUTRITION ASSISTANCE PROGRAM (SNAP) MANUAL EXCLUDED INCOME Section 211 Page 2

211.3 Excluded Income (continued) e. Work-study; and f. Veterans educational benefits. C. All loans, including loans from private individuals as well as commercial institutions. a. A formal repayment agreement is not required; however, the intent to repay the loan must exist. i. The customer must provide a signed statement regarding the repayment obligation from the individual making the loan. ii. If the customer indicates that the source of the loan refuses to provide a signed statement for verification purposes, the case manager must attempt to reach the loan source to independently verify the information declared by the customer. iii. If the source of the loan refuses to cooperate with the case manager, they may accept the household’s statement regarding the repayment agreement. b. Do not confuse loans with advances in income. The local department will count an income advance as income when it is received. D. Money received for the care and maintenance of a third-party beneficiary who is not a household member includes payments to a guardian or protective payee for care of a non-household member. a. If the intended beneficiaries of a single payment are both household and non-household members, exclude only that portion of the payment intended for the non-household member.

Example 1: A child who is a Temporary Cash Assistance (TCA) recipient is attending Maryland School for the Deaf. The child is included in the TCA grant. A pro-rata share of the TCA grant is excluded and the child is excluded from the SNAP benefit household during the school year when they do not reside in the household.

REVISED APRIL 2026