Honestly speaking they are but get help from parents with moderation, meaning no luxaries including living on credit cards. They are Kollel families and live their lives as such.
Those who came back from E”Y do not have cars. We let them use ours when they have need for a vehicle.
You may be entitled to some aid in terms of HUD(section 8), Food Stamps and Americhoice that will help till you get yourself financially established.
If your husband is ready to work and do any type of work to start with you Bezras Hashem should be able to do it!
Hatzlocha Rabba!