Josh31, you wrote, “Some “out-of-town” kollels provide stipends such that the recipients are disqualified from getting government support.”
In the central US town where I lived, kollel members did receive a substantial stipend but it was paid as a parsonage, which reduced their taxes & allowed their wives & children to qualify for WIC & Medicaid. This allowed them to obtain cholov yisroel milk using WIC vouchers (at least half of the cholov yisroel milk purchased in this town was purchased using WIC vouchers).