
By Alex Maroño Porto
As the Trump administration launches plans for mass deportations of migrants that it considers illegal, several of the city-run Upper West Side shelters that had been housing immigrants for the last two years have emptied without fanfare.
Two of them, in fact, were closed just last Friday.
But some migrants at remaining shelters say they now are reluctant to go out because of the possibility of being seized by immigration police under the Trump anti-immigrant campaign.
At the height of the migrant influx, city shelters hosted some of the more than 210,000 migrants and asylum seekers who arrived in New York City between spring 2022 and August 2024.
According to a press release from Mayor Eric Adams, the number of asylum seekers housed in city shelters dropped for 22 straight weeks by December 10, 2024, when the migrant population reached its lowest point in more than 17 months.
Visiting shelter sites over the past month, and speaking to neighbors, I found that residences that once ignited controversy and concern have become serene sites – buildings with little outward signs of activity. Former residents have moved on, either to other shelters or to other cities or to places they find after getting their work permits, according to some people interviewed for this story. This pattern was already reported by the Rag last year.
Along with the Amsterdam Humanitarian Response and Relief Center (Amsterdam Residence) at 205-207 West 85th Street; the Belnord Hotel, at 209 West 87th Street; the Riverside Terrace, at 350 West 88th Street; and the Park West Hotel, at Central Park West and West 106th Street; the Stratford Arms provided shelter for asylum-seekers who came to the city, often fleeing violence at home and seeking a brighter future for their families.

On Thursday, January 23, a day when the sun failed to lift the freezing temperatures, I arrived at the Stratford Arms, located at 117 West 70th Street. Both the Stratford Arms and the Amsterdam Residence opened in June 2023 as part of the mayor’s response to what he termed a “humanitarian crisis unlike any other before” that the city was facing. The two shelters, which previously functioned as residence halls for the American Musical and Dramatic Academy, hosted around 300 families with children at their peak, said Liz Garcia, deputy press secretary at the Mayor’s Office.
Both formally closed Friday. Garcia said that no guests remained.
Going forward, any families in need of shelter will be sent to another temporary emergency shelter, said Garcia. Asked about the families who were housed at the Stratford Arms and the Amsterdam Residence, Garcia said, “We do not track clients once they leave our care.”
Two weeks ago when I visited, stillness enveloped the Stratford and its surroundings. Few people ventured out on a 28-degree day, and unlike during my previous visit in February 2024, no families could be observed leaving the building.
A neighbor on the street, who would not give his name, expressed support for the shelter, arguing that its occupants had posed no problems. “I had no issues with the residents or the building,” he said. “I hate to see people getting forced out.”
Barry, a neighbor of five years who declined to give his last name, agreed, calling the area as safe as it has ever been. With the closing of the Stratford Arms, he wondered where the migrants would go next. “It makes me sad that the shelters are closing,” he said.

People at nearby businesses said they will miss the community that asylum-seekers and their families created around the Stratford Arms. Bibi, who works at Epices Bakery across the street from the shelter, said she would give tarts and other sweets to migrant children, many of them Venezuelan, when they visited the store. “What is going to happen to the kids?” she said “I feel bad. Many have been through a lot before they came here.”
Despite some neighbors’ disappointment, other people acknowledged challenges of living near the shelter.
Greg Pappas, who has lived across the street from the Stratford for the last 21 years, said “it has been kind of scary.” When the temperature was higher, he said, the street used to be full of people—some using drugs in front of children, he said—and electric delivery bikes were often left on the street, cluttering the sidewalk. “What happens is that the street sweepers cannot come in and clean the block,” he said. “They do not come out and move them like the rest of us.”
An employee at J’s Cleaner, who wished to remain anonymous, said he thinks the block will be more peaceful. “It is going to be safer for the neighborhood,” he said. “Sometimes they argue with people who pass by and sometimes they have fights.”

Like the Stratford Arms, the Amsterdam Residence looked empty when I arrived late last month. John, a security guard who said he had been working there for a year and a half, mentioned that fewer than 20 families were currently housed at the residence, but when I entered the building to obtain official details, workers told me they could not provide any information. The same happened when I tried to speak with the manager at the Stratford.
Passersby around the Amsterdam Residence had few if any complaints. “This is the best shelter I have worked in, I never had an issue for the most part,” said John. Dirk Willebrand, son of Green Party politician Julia Willebrand and an Upper West Side resident of 56 years, said the area experienced “more activity” as a result of the shelter, but there were no issues with those housed there. “The migrants who lived in the building were respectful of the neighborhood,” he said.
Joshua Ruben, living in the neighborhood since 1974, echoed his words. Initially, he said, the newcomers would sit on residents’ steps, but once they were told it was private property, they left without any incidents. “They used to have guards outside the two doors, and that kept things cool,” Ruben said.
Julio, a resident on Broadway nearby, said he felt the shelter had made the neighborhood more inclusive. “This community is very wealthy, white, very much one sort of monoculture,” he said. “I grew up in Miami, a place with a lot of diversity, people from all over Latin America, and this neighborhood is very much not that. And I think it is good to have more people from different places here.”

On January 24, I arrived in front of the cobalt blue awnings covering the Belnord Hotel’s two entrances. The building opened as a “temporary emergency men’s homeless shelter” in 2020, and became an asylum-seekers shelter in March 2023, as the Rag then reported. With 131 rooms, the Belnord housed families from countries like Venezuela, Ecuador, and Peru, but recently, most seemed to be gone — although, as with the previous two shelters, the Belnord receptionist did not share any information about its status.
Felina, a Belnord resident of 35 years, said the building was used as a men’s shelter during COVID. “It was horrible living among those people,” she said in Spanish. Her main criticism of its later time as a migrant shelter, she said, was the unequal treatment she received compared to the newcomers. “The migrant families were fine because they were given everything,” she complained.

Later, I arrived at the Riverside Terrace, a 125-unit former New York Institute of Technology residence hall next to Riverside Park that opened as a migrant shelter in March 2023. Compared to the previous shelters, Riverside seemed busier, with a few women with children in strollers leaving the building. A person who identified herself as the manager but declined to give her name did not provide any information about its current status.
Garcia, from the mayor’s office, would not confirm any plans to shutter the Belnord or Riverside Terrace. “We have not announced plans to close any other shelters on the Upper West Side,” she said.
For migrants in the shelters still operating, Trump’s immigration crackdown has engendered fear of going outside, said Arelis Figueroa, pastor of La Iglesia del Pueblo, a spiritual community supporting migrants that meets at the St. Paul & St. Andrew United Methodist Church, at 263 West 86th St., on Sundays.
“There are people who are not going to church on either Sunday or Monday,” when the church hosts a resource fair, she said. “Many of them live [in Riverside Terrace] and are afraid right now.”
“A lot of people are very afraid; they don’t know whether to send their children to school or stay at home, regardless of whether their children were born in the United States or not,” said Elaine, a 46-year-old Peruvian mother of two. “They are disoriented and don’t know what to do.”
Elaine said she has been living in Riverside Terrace with her 11-year-old boy and a 17-year-old girl since May 2022. The Lima native says that the eight floors of Riverside “are pretty full” and mainly consist of asylum-seeker families and single mothers like her. Despite noting some complaints about food quality —something the Rag reported before—Elaine is grateful for the treatment. “I thank God because I was never treated badly; everything has been good,” she said in Spanish. The management “takes great care of the immigrants and sends professionals for psychological therapy.”
Having supportive organizations nearby like the St. Paul & St. Andrew United Methodist Church has benefited the migrant families greatly, said Elaine. Since August 2022, the church has been hosting a Monday morning fair to provide clothing, legal services, and other resources to refugees and asylum-seekers, said Andrea Steinkamp, assistant pastor, in a phone interview. “We have served between 100 and 125 people a week and we will continue to do that work with the focus of particular attention to being responsive to some of the actions of the new administration,” said Steinkamp.
To ease migrants’ fears of potential immigration raids, the church has taken measures, including posting a sign at the door stating that agents from ICE, the federal immigration enforcement agency, are not permitted to enter the building unless they have a judicial warrant. “We are helping people to ensure that in the midst of all of this uncertainty things are not completely chaotic,” she said.

The last shelter I visited was the Park West Hotel, located in front of Central Park and formerly known as Astor on the Park. The 94-room building opened in April 2020 as a shelter for homeless women, as the Rag reported, and was converted into a shelter for asylum-seeker families in August 2022. It then housed 30 families and 20 school-aged children, with a total of 126 beds, and later that year, it became a home for dozens of Venezuelan asylum-seekers like José Arturo and Estefani Mijares.
Marisela, an Ecuadorian from Quito, had been living at the shelter for 30 days with her husband and daughter after entering the country with an appointment made on CBP One, an app that allowed people to schedule appointments at the southern border of the U.S., until the Trump Administration shut it down shortly after the president’s inauguration. She said they were told they could stay for 60 days —a limit Adams adopted in October 2023 for migrant families— and, after then, “We do not know anything.”
The shelter, she said, was “pretty full,” but it does not seem to be primarily migrants anymore. “Everyone speaks English,” she said.
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Here’s something I’ve never understood – maybe WSR readers can enlighten me. Economic migrants work very hard and send a lot of the money they make back to their home countries, to the extent that 13% of El Salvador’s GDP and 19% of Guatemala’s GDP comes from their citizens working in the US. How are these migrants able to live on low wages, not be homeless, and still send earnings back home? How? US citizens can’t keep a roof over their heads on these wages. What are these economic migrants doing that our own citizens can’t? This is a serious question.
I just read an article from the Cato Instittue about this – as the cost of living in the US is very high, especially in NYC, and the UWS even more so. The point was that even with the cost of living, far more money can be made here than back home. There are no jobs back home ,and more importantly, gang violence and extortions. So it’s a no-brainer, really.
They are frequently paid in cash in cash jobs, so therefore do not pay taxes. They also get a lot of subsidies for housing, food, schooling, healthcare.
Think door dash grub hub etc
No, they don’t.
Most undocumented immigrants have a tax id number that they use to work, and they pay taxes into our system. They do not get and social security, medicare or medicaid. Undocumented workers bring in billions of dollars in taxes every year.
How can you have been given a tax id number yet be “undocumented.”
google ITIN, or Individual Taxpayer Identification Number. btw, the most serious “law breakers” here are the employers. Why don’t you advocate rounding them up?
By sleeping ten to a room and eating rice and beans and working 18 hrs a day.
The economic migrant dilemma is real. How long should their cost of living be subsidized? Or is the trade off that they are often paid less than market? Exploited? So it keeps costs down for the business but the tax payers pay collectively? So we are subsidizing these businesses?
You are subsidizing people who can’t be bothered to walk five blocks for a bagel, or want a cheap cleaning woman. Immigration leads to higher housing costs, lower wages and environmental degradation.
The government has an incentive to keep illegal immigration’ as it provides a pool of cheap labor that benefits donors and creates the need for government services. It’s part of the cycle of grift that we see which causes the taxpayers money. If the immigrants were brought over legally – on whatever visa was appropriate they could participate normally in the workforce and not be exploited. Many government jobs and agencies wouldn’t be needed. But there is no desire to end this. Glad DOGE is focused on this.
I don’t believe that DOGE exists to benefit normal citizens. Nothing about the way it has functioned so far indicates that. DOGE is a project to reduce gov’t spending WITHOUT harming subsidies for Musk’s satellites, space program, e vehicles or driverless systems.
Why did DOGE close Consumer Financial Protection Bureau? Because it regulates digital banking. What company recently partnered with Visa to offer online financial transactions?
X.
One item of note – in NYC, some migrants are in shared/overcrowded housing situations.
This includes apartments and houses that have been cut-up illegally and/or “dorm” set-up.
For example in an incident reported in February 2024:
“…over 50 migrants were found being illegally housed inside an overcrowded and hazardous two-story building. Officials found 14 bunk beds and 13 beds tightly packed in the cellar on the first floor of Sarr’s Wholesale Furniture at 132-03 Liberty Ave. in South Richmond Hill.”
Yes they are not sleeping one to a bedroom. They live in overcrowded substandard housing
Actually, they are. In the military its referred to as “hot bunking” meaning that you share a bed with two others. You each get it for 8 hours.
Many buildings in our area have apts that are overfilled with people. Some with landlord knowing others not.
I have seen 10×10 bedrooms with 6 to 8 bunkbeds in them, more than once
I’m not a big fan of migrants coming here to make money that’s sent outside the US. Doesn’t benefit the US economy or support a claim for asylum.
Actually many are paying taxes- look at the numbers. They are also doing the jobs you don’t want
Case in point the meat processing plants in upstate NY and Iowa that were raided last year. People were working in very unsafe/unsanitary conditions for less than a dollar an hour. Fed gov now watching them very carefully.
They offered the same jobs at higher wages and the now have plenty of takers
that are here legally
Actually, they are not. The vast majority work for cash at the end of the week or just the tips they get. Watch the SUV that pulls up each fri eve to pay construction workers in cash. Ex is the facade workers up and down WEA.
Americans would do these jobs if they paid a legal and legit wage
Absolutely not true re paying taxes . You can’t pay taxes without SSN even if you wanted to,
As far as doing the jobs you don’t want – true, but what else exactly they are qualified to do?
https://taxpolicycenter.org/fiscal-facts/yes-undocumented-immigrants-pay-taxes-and-receive-few-tax-benefits
Every time you go to the supermarket you are paying taxes, my friend.
From “Deportation of Venezuelan migrants could hit US industry” (https://www.semafor.com/article/02/11/2025/venezuelan-migrants-deported-from-us): “‘If there’s no immigrant labour, there’s no milk, no cheese, no butter, no ice cream,’ a dairy farmer in Wisconsin told the Financial Times. ‘We’ll all have to go vegan.’”
Not that *I* would have a great problem with that outcome, but perhaps someone else might?
Many work under the table so do not pay taxes and as a result qualify for no/low income benefits (free health insurance, etc). It is hard for an American with an SSN to compete with that. Also many live in high occupancy apartments so they can maximize saving money to send home. Some have aspirations to stay in this country but many don’t. Those that don’t are working here for several years to maximize earnings but are already planning to return to home countries to retire where much cheaper.
No, you are wrong. Undocumented workers are not eligible for free health insurance.
Undocumented workers pay taxes via the taxed that they are assigned from the U.S. government. Undocumented workers bring in over 90 billion dollars into our tax system every year. They don’t get any benefits in return. No social security, medicaid or medicare.
They are doing the jobs no one else wants. Without undocumented workers, our society will collapse.
Where is the source for $90bn in taxes? Illegal immigrants cannot be turned away from hospitals and schools, how much is that costing us? Jobs nobody wants? Raise the wage and see what happens! I worked as a garbageman in college. Americans will do any job but it has to pay more than welfare!
Meanwhile Adams, fresh from relief from federal legal peril, has issued new official guidance for interacting with ICE, etc.: https://nymag.com/intelligencer/article/eric-adams-nyc-officials-criticism-trump-ice-enforcement.html . The short version: be pleasant and do nothing.
But at least the price of groceries has, as promised, been dropping like a rock, so we can all sleep easily, right?
The guidance is to check their ID and whether they have a warrant and if they don’t have both to send them away. Seems almost reasonable I would say.
“But the memo ultimately advises workers to give agents the information they request if they ‘reasonably feel threatened’ or fear for their safety, advice that stands in stark contrast with the city’s sanctuary status.”
Sounds like the reasonable advice one would give to pacify a mugger, but it also sounds rather toothless for a supposed sanctuary city.
And then there’s the advise “to refrain from criticizing the current Trump administration on social media” at risk of “the city losing $2 billion in federal infrastructure dollars by getting into a public rift with the Trump administration.” That part brings to mind bullying and extortion, at least to my ear.
You’re talking about someone who maybe works at a homeless shelter overnight. You want them to fight with federal law enforcement?
Does Trump live rent free in your head 24/7?
NYC is obligated to provide shelter to anyone who needs- whether a NYC resident or from out of NY State or from out of the country.
There were migrants receiving shelter services from City DHS prior to the “surge” over the past few years.
It is my understanding that migrants can and will still be provided shelter (hotel, residence, shelter) through City DHS. And so will be with other homeless families and adults.
The “migrant” hotels-shelters (such as mentioned here )were only for migrants and were specifically established due to the large number of people.
Also they were not administered by City DHS
Any news with the shelter at Hotel Newton on Broadway 94/95th? None of the WSR articles seem to mention it and it appears to still be fully occupied. That hotel used to house mostly European tourists on extended trips who would frequent restaurants and businesses in the neighborhood. Would be nice to see tourism return to this block.
I didn’t see your comment, so posted the same query. Yeah, it’s been used as a shelter but I’m not sure whether for unhoused families in general or for migrants in particular. My family would stay there occasionally when more of them were visiting from out of town than could fit in my tiny apartment. And they certainly frequented business in the neighborhood! I was wondering abotu the status of that hotel.
I just checked online. No reviews from tourists for 2 years, and there was just a fundraiser to get moeny for toilesties for asylum-seeking families living at Hotel Newton.
I wonder if the familes living there have older kids, becaause the former dorm on 88th and RSD and the former hotel on 87th off Amsterdam, those families have really young kids. But I think the hotel on 94th off Broadway, that one is still taking tourists, while the Newton Hotel, I’ve never seen a stroller, just teenagers and women.
Good. Why would we celebrate otherwise to have our shelters full??? Virtue signaling again?
THANK YOU!
Renovate the and turn them into market rate apartments to add more housing.
SEVEN BILLION DOLLARS is what we paid. Enough. Report Arrest, Deport.
Making the Upper West Side Great Again
“The first period was a study period. Maddie tried to prepare her lessons, but she could not put her mind on her work. She had a very sick feeling in the bottom of her stomach. True, she had not enjoyed listening to Peggy ask Wanda how many dresses she had in her closet, but she had said nothing. She had stood by silently, and that was just as bad as what Peggy had done. Worse. She was a coward. At least Peggy hadn’t considered they were being mean, but she, Maddie, had thought they were doing wrong. She had thought, supposing she was the one being made fun of. She could put herself in Wanda’s shoes. But she had done just as much as Peggy to make life miserable for Wanda by simply standing by and saying nothing. She had helped to make someone so unhappy that she had had to move away from town.”
Am I missing something profound here?
Virtue signal received.
I’m sorry you believe that there is no other reason to express your values, or your empathy for other people who are suffering, than to “virtue signal.” I’m not even sure what that’s supposed to mean. My family and my church raised me to stand up for what I think is right, regardless of whether other people agree. If you believe the only reason to express a belief is to try to get clout on the Internet, that’s very unfortunate, but reflects a lot more on you than on me.
2nd signal received.
I understand their fear, but I’d feel like a sitting duck inside a known shelter.
Yet the Times Square Subway still appears to be worlds largest churro market
YES, and yummy….
Part One
Not sure where you got and/or why you make the statement “it considers illegal”
1-The US Constitution has a clause in it, referred to as the “federal supremacy clause” Meaning federal laws overrule state/city laws and are the final say in matters.
2- Consider these provisions of Title 8, U.S.C. 1324(a) Offenses
Under which it is a federal crime to be involved with Harboring, Encouraging, Inducing Conspiracy/Aiding or Abetting anyone entering the country illegally
3-These laws have repeatedly been upheld by the supreme court.
I can only express how pleased I am that these shelters are being closed. I live one block from the Watson Hotel on 57th St….it was formerly a hotel catering to European tourists. It has become in its current iteration a nuisance of epic proportions. Migrants are hanging around under the long standing never ending scaffolding that covers the building. Their e bikes and scooters are chained everywhere to the scaffolding. The once lovely pocket park on 57th and 9th has been overwhelmed by migrants hanging out and smoking weed. Our so called “newest neighbors” have not enhanced NYC one iota. Instead they have cost us billions of dollars. Does anyone really enjoy being harassed in Central Park to buy their unsanitary, uninspected ubiquitous fruit. (Mango! Mango! Mango). Does anyone really enjoy kids selling candy on the subways? As the one woman points out in the article they receive free cell phones, free cell service, all meals, laundry. The sooner they leave the better NYC will become.
Boy, are you self-centered. Just say it annoys you to see poor people, it’s shorter.
Yes, when I buy a $3m condo, I dont want to see poor people. Otherwise I would go live in the bronx. My choice.
I don’t know. My family were immigrants (just like yours ) and had they not received help in various ways they wouldn’t have survived. Thanks to that help and public institutions (schools, libraries) they were all able to have thriving descendant. So I feel it is my duty not to close the door behind me but to put out the welcome mat. America thrives because of immigrants. Always has. .
Shocked by the ignorance and xenophobia in the comments. Check yourselves. Educate yourselves. Yes, undocumented immigrants pay plenty in taxes.
Institute on Taxation and Economic Policy (non-partisan): “In total, the federal tax contribution of undocumented immigrants amounted to $59.4 billion in 2022 while the state and local tax contribution stood at $37.3 billion”
Hard to believe they are such a boon to the tax coffers when there is so much visible tax-free, permit-less selling: fruit in the park, tamales at the subways, candy in the subways, churros in Times Square, lunch meals by construction sites.
For better-or-worse, all stages of commerce are taxed, migrant sellers seem to be bypassing the retail tax obligations.
Thank you for this report. Anyone knows what the status of the Newton Hotel on Bway and 95th is? I think it, too, was operating as a shelter? New York City is a city of immigrants, always had been. The friction of cultures clashing and needs conflicting and fears of displacement and worries about replacement and who is or isn’t ‘eligible’ to be here have always been part of this city, and we have managed to find ways to accept each other, protect each other, coexist, and vastly enrich each other in culture, language, cuisine, skills, and lore. I hope that continues.
I see some of you don’t mind Illegals eating your lunch. Losing tourist and gaining Illegals will bring you all to your Taxed knees….
Before anyone mentions family-separation Gitmo
There are ICE facilities strictly for families that can be cfm, but with the prevalence of child trafficking, there needs to be DNA checking first. Over 322,000 children were released to people that claimed to the “sponsors” and/or family and now cannot be found as per the last report from Bidens CBP in Sept.
It should be noted that DNA testing was halted under Biden by ex-order and is now back in placed as required by law for decades.
Clinton, Bush, Obama used Gitmo for tens of thousands of Hattian, Cubans before they were deported
Great reporting.
One word: Good!
Bravo to Alex Maroño Porto and the WSR for this deeply reported article. It takes time and effort to publish a thorough, cohesive exploration of such a complicated story. I could never have gained such a detailed picture of what’s going on with the shelters and migrants on the Upper West Side without reading through this narrative.
Dispatches like this are why I will continue to support the WSR. I’m beyond grateful to live in a neighborhood with informative, hyper-local journalism.
No matter how you feel about any given issue, in this era when local outlets have been dying out, I think it’s a privilege to have access to objective news about the community around you. Thank you WSR, please keep up the good work.
live in very close proximity to the Riverside Terrace shelter and have lived on this block since 2009.
My husband and I have watched our quality of life and comfort decline significantly since the dorm was converted into a shelter. The kicker one day for me was watching a man with an ankle bracelet on strutting back and forth on the side walk like he owned the block. We have tolerated “tenants” of that building smoking and loitering on our buildings property, garbage being thrown on our sidewalk, garbage thrown on our bins, garbage thrown on our stairs, garbage thrown in the little garden of our tree, loud music and voices during quiet hours because the management of Riverside terrace makes their tenants move away from their building. Thank goodness we don’t have a car because for a while there the illegal e-bikes took up most of the parking spaces in the immediate vicinity. They now magically are parked in front of Riverside Terrace after years of complaints regarding parking on the block.
We have spoken frequently to our neighbors who live right next door to the shelter and they equally are fed up with how the owners and management run the building. The owners of our building have spoken to management and they just get lip service. My super told me straight about they fed him a line of BS.
I am glad Elaine is having a good experience in the shelter- maybe she can ask management to provide psychological support for us and neighborhood as well- as legal citizens shouldn’t we get something out of this too? Speaking of getting something: How is it that the owner of this building has had Elaine from Lima living there since May 2022 and it has not been designated as a shelter since March 2023? Hmmm.
I live in a walk-up at W. 100 Str. & WEA.. A couple of years ago I had foot surgery at Mt. Sinai Hosp. on 5th Ave. For a week I stayed at the Hotel Newton, which has an elevator, on B’way at a reasonable rate (but, oh, those taxes & surcharges!) in a back room to be away from the noise of B’way. It was convenient by the M96 and M106 buses to get to see my surgeons at the hospital. Recently I again had foot surgery. Hotel Newton now has housed migrants for a few years (at what rate? Oh what a windfall for the hotel owners) and is “guarded” by NYS Army National Guard who don’t know what their mission is. [Imagine that! I telephoned the N.Y.N.G. H.Q. in Albany, and spoke with an active-duty Maj. Gen. who told me that he’ll see to it that his Guardsmen know what they are doing there.]
Now that the books are being made public, it’s nauseating: https://nypost.com/2025/02/13/us-news/hhs-splurged-more-than-22b-on-grants-for-migrants-including-cash-for-cars-home-loans-and-startup-businesses/