Find a summary of programs to help with bills.

Below you will find ways to get help with paying all types of bills, debts, your mortgage, rent, and more. If you put in a little research, effort and time, it is easy to find assistance that can help you save hundreds or thousands of dollars per year, and in most cases it won’t cost you a cent to save. There are companies that will help you save on bills (and that may charge you only if they save you money), government programs, tax breaks, and coupons. This is to name just a few of the options available.

One very simple way to earn 3-15% CashBack bonus (or more!) on many of your everyday purchases is to sign up for a free account that gives you rebates every time you shop from national retailers, such as Wal-Mart, Petsmart, and many others. For example, you can get 5% cash back for every purchase you make at Wal-Mart, 7% at Babies R Us, and many other national retailers. Or you can even get paid for testing products or signing up for free offers. It is free money. More.

There are other ways to increase your income. The extra income can go towards paying bills and debt. There are various work at home opportunities, including companies that are bringing jobs back to the United States from overseas in a trend called “homeshoring”. And another growing trend is people taking online surveys or market research to make money.




Automobile expenses

  • Auto loan refinance. Potentially lower your interest rate by a few percentage points to save thousands of dollars over the life of your auto loan. More.
  • Car insurance bills. Save hundreds of dollars per year on car insurance. More.
  • Free automobiles - Several charities and non-profits can provide free, used cars or they may offer low interest loans to buy a car. Click here.





  • Gasoline. Improve your cars fuel economy by up to 30%, and save money on gasoline bills. More.
  • Low interest loans. Ways to Work is an organization that provides low to moderate income individuals with low interest auto loans. They are intended to help them buy used cars, or pay for car repairs. Learn more.

Credit card bills and credit card debt

  • Assistance with debt from card issuers. Credit card companies are more will to settle debts proactively with customers and they are offering additional debt assistance programs. In addition, take advantage of the recent federal government bailout of banks which has resulted in credit card issuers becoming more flexible in reducing debt. Read more.
  • Consolidate debt to save on interest expense. The 6 best ways to consolidate your medical and credit card debt from Bankrate. Continue.
  • Credit card debt. Significantly lower your interest rate, eliminate debt, save on interest, and More.
  • Credit card bills using low rate cards. Consolidate and save on interest expense with a low or zero percent credit card. More.
  • Debt collectors. Get help from debt collectors and collection calls. More. Also, learn how suing a debt collector can be very successful in ending illegal collection calls.
  • Hardship programs are offered by credit card companies and banks that can help you reduce your interest rates and get out of debt.
  • National bank programs. Many national banks offer countless programs to help their customers. Find assistance programs from lenders such as Bank of America, Wells Fargo, and JP Morgan Chase.
  • Payday loan alternative. Many low income families need access to short term cash to pay bills and emergency expenses. Get information on ways to get emergency short term cash, including alternatives to payday loans.




  • Title loan. Another short term financing option is to take out a loan using your car as collateral. The product is higher risk, but can be used to get quick access to cash and is known as a title loan. Learn more.

Free money and save money

  • Best money saving tips from Real Simple, Bankrate, and Consumer Reports and also ways to set spending priorities. More ways to save money on bills.
  • Christmas Assistance Programs can provide holiday meals, free food, gifts, programs such as Angel Tree, and other help around Christmas and the holidays.
  • Grants for African Americans. President Obama’s latest budget is creating new assistance and grant programs that focus on African Americans. Click here to learn more.
  • Make Free Money. From rebates, online sites, and more. Continue.
  • Negotiate to save on bills. You can negotiate many bills and save hundreds of dollars. Negotiate medical bills and others. More.
  • Rebates, coupons, and more. Take advantage of these. As this is the closest thing to “free money”. More.

Housing (mortgage, rent, taxes, foreclosures, and home repairs)

  • Home repairs and other do it yourself savings. More.
  • In addition to the do it yourself programs, many charities and local agencies administer other home repair programs and offer low interest loans. Learn more.





  • Foreclosures. It is very important for homeowners to both know the foreclosure process, as well as understand what options and solutions they may have. Click here to learn more.
  • Housing assistance. Most cities and counties across the nation have charities and programs that specialize in offering rental help and eviction prevention services. Find a listing of rent programs by city. Read more.
  • State housing authorities - Every state has a public or government run housing authority. They provide foreclosure counseling, rent help, repairs, loans, and other aid. More on housing authorities.
  • Mortgage. The government and others are helping over 7 million homeowners pay their mortgages and avoid foreclosure. More.
  • Property taxes. Lower your property tax assessment and save on your property taxes. More.
  • Rent assistance. How to get help with paying your rent and security deposits. More.
  • Section 8 Housing assistance. This is a federal government funded program that helps low income and others with paying rent. Learn more on this program.

Insurance (home, auto)

  • Health insurance plans and bills. Find the lowest priced health insurance plans and save money on medical care. More.
  • Homeowners insurance. Save over 20% insuring your property. More.

Loans (Private and non-profit)

  • Charities and the government may offer low cost financing, or even interest free loans, in some instances to qualified borrowers.
  • Lenders in the private marketplace may offer short term, emergency loans for paying bills as well, including payday lenders, pawn shops, and other companies. Read more details.

Medical bills and debt

  • Save 65% on COBRA health insurance plans if you lose your job or health insurance. It assists the unemployed with medical needs. More.
  • Dental assistance can be obtained from clinics and centers in your state. Many offer a sliding fee scale, which means the dental care is offered at no cost or for free. More on clinics for dental care.
  • Free community clinics are located in every state, and they provide either free or low cost medical and dental care to people of all backgrounds, regardless of their ability to pay the bills. More on community clinics.





  • Hospitals provide assistance with paying medical bills, offer charity programs, and provide free health care. Click here.
  • Loans from credit unions. Instead of choosing a payday loan, look into options like Stretch Pay loans.
  • Negotiate your hospital bills to receive lower rates and to save on health care expenses.
  • Medical bills. If you negotiate, studies show 90% success rate in reducing your bills for treatment and find other ways to save. More.
  • Prescription drugs. Save up to 80% on what you pay for your medications. Continue.
  • Prescription drug medications. Find ways to get free prescription drug medications.

Shopping (groceries, online, and everyday shopping)

  • Grocery bills. Save hundreds of dollars on your food and grocery bills over the course of a year. More.
  • Online shopping deals, rebates and coupon codes. Get paid for your everyday shopping, which is really free money. More.
  • Reduced priced groceries. A non-profit organization known as Angel Food Ministry provides individuals of all income access to low cost food and groceries. Read more on cheap groceries and low cost food.

Taxes (property and income)

  • Property taxes. Potentially save hundreds of dollars on your property taxes and challenge your assessment. More.
  • Income taxes. File your income taxes for free and other ways to get help with taxes. More.

Utility, heating bills, and cable bills

  • Cable TV Bill. How to save on your cable bills with your current provider, and find the best deals. Continue.
  • Most utility and energy companies distribute grants, weatherization services, and other aid to low income, elderly, and disabled customers. Find details on energy assistance programs in your city.
  • Free items for items and other stuff can be provided to struggling households. Everything from food to grants, medical care, and more is available. The assistance is from charities and the government, and find how to apply for free stuff.
  • Heating bills. Lower your usage by 10-40%. Get free help with your heating bills from utility company’s or the government. More.
  • Phone bill assistance program, including cell phone. Get free or heavily discounted phone service.
  • Top energy saving tips from consumer reports. More.
  • Utility and electric bills. Get help from government and utility companies with paying utility bills. More.





  • Water bills. Find help with your water bills. More.


  • Bankruptcy. Learn when to file bankruptcy and about the bankruptcy process. More.
  • Back to School Supplies - There are non-profits and charity stores that offer either free or low cost uniforms, items for students, clothing, backpacks, and more. Read Salvation Army free school supplies.
  • Child care expenses. Save on and receive child care assistance. More.
  • Elderly and senior resources - Individuals over 50 years of age, including seniors, have access to a number of assistance programs that specilize on meeting their unique needs. Learn more.
  • Family Assistance Program. Continue.
  • Government and private grants have thousands of dollars available to help pay bills, provide education, and more. Continue.
  • Find low income assistance programs that are offered by the government and others.
  • Help from debt collectors. Get debt collectors to stop harassing you and end their calls. More.
  • Refugee and immigration resources - Numerous organizations step up to support those who are new to America, whether legally or not. Read more information.
  • Legal assistance and counseling. There are numerous non-profit organizations across the country that provide free legal advice and assistance. Learn more.
  • Oversees countries. Families from across countries will need some form of financial aid from time to time. When this occurs, there are programs for them in their local nation. Click financial aid for other countries.
  • Scholarships and Grants. There are numerous scholarship and grant programs that can help someone get their college education They are free to apply to. Find more on scholarships.
  • Student loans. Find help with paying loans and how to consolidate student loans. More.
  • Trade Adjustment Assistance Program. Receive additional unemployment and job training. Continue.
  • Vet and pet bills. More.
  • YMCA financial assistance helps with summer camp and child expenses. Read more.

Also, find the top money saving tips from various other sources. Save hundreds of dollars per month.



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