Taylor Swift Donates $13k Each to 2 Moms Struggling Due to COVID-19

Taylor Swift is lending a much-needed hand to a couple of mothers struggling financially due to the coronavirus pandemic ... just in time for the holidays.

The singer donated $13,000 apiece to 2 moms who have fallen on hard times, and whose stories were featured in a recent article about the millions of Americans who are unemployed, or behind on their rent and utilities.

The women -- Nikki Cornwell from Nashville and Shelbie Selewski from Michigan -- both received a generous donation from Taylor on their GoFundMe pages ... along with a personal note of encouragement.

Taylor wrote to Nikki ... "I read about you in the Washington Post and thought it was really brave of you to share your story. I'm so sorry for everything you've had to go through this year and wanted to send you this gift, from one Nashville girl to another."

Shelbie's message says ... "I'm sending you this gift after reading about you in the Washington Post. No one should have to feel the kind of stress that's been put on you. I hope you and your beautiful family have a great holiday season."

Both women have suffered both medical and financial hardships this year and say they are in danger of being kicked out of their homes if they don't catch up on bills.

Sadly, there are millions more in the U.S. who are also in dire straits, and without another government stimulus for support ... are feeling helpless.