Find assistance programs and financial help from government as well as local organizations.

There are a number of government assistance programs and charities they partner with that offer grants that will assist many families. There is also financial aid from community action agencies and non-profits. Organizations may offer free financial help for paying bills, household living expenses, and debts. You can find assistance to help pay your utility bills, funds for paying medical expenses, health care costs, or rent. There are also various food programs, credit card debt services, and other government assistance programs.

Every now and then hard working people may experience a financial hardship. Sometimes you just need that little extra help in paying some bills or debts. You should never hesitate to research your local state or county government listed below to see what assistance programs they have and learn about what type of aid they can provide. After all, it is what your tax dollars are paying for.

Government assistance programs that cover multiple states

Government mortgage and foreclosure assistance is available. If you are looking for free mortgage or foreclosure help as well as counseling from your state or a local non-profit HUD agency, find out more about state mortgage and foreclosure programs.

Rent help from assistance programs is available from a number of sources. The federal government has a wide variety of housing assistance programs, including HUD approved agencies, that assist families in need. There may be money for paying rent, security deposits, moving costs and they will also help to prevent evictions.




Also, find low income assistance programs that will help meet other needs. Many of these are coordinated by the federal or state government, and they offer loans or other forms of support. Everyone from the working poor to households living in poverty can get help from the government More.

Another option is the HUD created Housing Choice Voucher Program. It provides very low income families, including those with past evictions, access to affordable housing. Learn more on the Section 8 housing assistance program.






Disability assistance is administered by most state governments. Benefits are provided to individuals or their caretakers. They may be able to apply for food, health care, cash assistance from SSDI, transportation, grants for home repairs, and more. Both state and federal government funds can aid the disabled. Find disability financial assistance programs.

Human or social service offices provide support. Staff from the government centers can direct very low income, unemployed, or families living in poverty to financial help. There are local and state resources for everything from housing to food stamps, grants from TANF, affordable child care, and other sources of money. Locate public assistance programs.

Government sponsored welfare programs are available nationally as well as locally. There tend to be for families living close to or under poverty guidelines as well as vulnerable households. They offer grants and cash aid to beneficiaries. More on welfare benefit programs.

Utility and energy programs from the government

Financial assistance from your utility company may be available. Most utility, gas, and heating companies offer low income customers access to some form of financial help. This includes government resources and free weatherization programs that can help individuals pay their bills. Programs can also allow them to save money on their energy bills. More on energy assistance.

Telephone assistance programs allow low income families the ability to save money on their phone bill, whether a land line or cellular, as well as installation costs. Options range from Lifeline to resources for the disabled or elderly. There may also be heavily discounted or free cellular phones distributed from a federal government funded program. More.




Water bill assistance programs, while not as common, are offered by one of the nation’s largest water companies, American Water. They operate a number of different entities across the nation. Other local suppliers also provide households with payment plans. The companies currently offer their customers with two different government supported programs that can provide them grants and other assistance for paying their water bills. They are the Low-Income Payment plan and the H2O - Help to Others. Learn more.

Federal government grants are provided to states and local governments. Those agencies then provide the funds to community action agencies or local social service agencies that process applications from low income families, the disabled and senior citizens. The grants are used to help pay utility bills, including heating, gas, and electric, as part of LIHEAP. Click here.

Free weatherization programs are also available nationwide. Every state and county provides qualified residents with home improvements and savings on their energy bills as part of these conservation measures. The federal government DOE created energy bill assistance program can also address any minor health and safety issues that the homeowner may be facing. Learn more.

Medical care and billing resources

Medical bill assistance is offered from state programs, pharmaceutical companies, local health clinics, and other businesses. Many organizations provide consumers help with medical bills and prescription drugs.

Also, many states have laws that protect consumers from aggressive or illegal medical debt collectors and collection practices. The laws and regulations also ensure people are charged fair prices for health care services and that they are not overcharged. Read more on your rights for dealing with medical debt collectors or questionable billing practices.





Prescription drug assistance programs are offered by many states, companies and organizations. They can help people across the country receive free, or heavily discounted, prescription medications. Patents, including the underinsured, can often receive a voucher or a discount card. Find free prescription drugs.

Community clinics operate across the country. Every state has health care centers and sliding fees community clinics that offer free or low cost medical and dental care to patients, regardless of their ability to pay. Get more information on these government supported community clinics.

Dental care from clinics. Many individuals do not have access to quality, affordable dental care. Private insurance plans may not provide the coverage that people need. Find a listing of dental clinics in your town and county. Many accept both government and public health insurance, as well as private plans.

Free government health care programs are administered by the Health Resources and Services Administration (HRSA). The government agency provides free or low cost medical care, even to the under and uninsured. Checkups, treatment, prescriptions, and other services are available. More.

Food assistance from state and federal organizations

Free food from assistance programs are offered by the state and federal government. Resources are also offered by local charities, non-profit organizations, and churches, all of which provide free food and groceries to those in need. Learn more. In addition, click here for reduced cost food programs that have no income restrictions and that anyone can receive groceries from.

Food banks and pantries also help millions of people. Many struggling families receive free food and groceries from these non-profit run pantries every year. These centers help the low income, unemployed, and others make it through a difficult period. Many offer other forms of aid as well, such as clothing. More on food banks.

State affiliated or supported agencies

Charities, churches and other assistance organizations can sometimes help you with paying bills and debts. Non-profit agencies can provide rent help, run emergency shelters, offer free medical care, and provide other assistance to those who need help. More.





Community Action Agencies are local nonprofit and public organizations that provide many services to those in need, including utility bill assistance, applications for public aid, job training, help with paying rent, financial counseling, and other activities. Many even offer job training and employment services. More.

Free advice from attorneys is provided to over 5 million people per year. Individuals receive legal counsel, aid and representation from a federal government funded program, the Legal Service Corporation. Over 900 law offices across the nation offer legal aid as the result of the federal government grants. Continue.

Older adults and senior citizens including the elderly, seniors, and people over 50 have access to a number of assistance programs and agencies that focus on their needs. Many older Americans require financial help for paying a portion of their medical bills. There are also prescriptions, home delivered meals and care, and transportation. Resources are available. Read more senior programs.

Debt help is offered from non-profit agencies and other organizations. There are countless ways to get assistance with debt, including medical billing advocates and credit counselors. For example, the National Foundation for Credit Counseling says non-profit certified specialists that offer free credit counseling services can have a 60% success rate. Also, learn about credit card hardship programs.

Government sponsored job training and free child care subsidies

Several federal government agencies are focused on helping people find a job or gain new skills. Today’s workforce is very competitive and employers are demanding certain skills and training. State and federal programs including One-Stop Career Centers, the Workforce Investment Act, and local employment centers can help the under and unemployed. Continue reading One-Stop Career Centers.

Day and child care assistance is available in all states. Many parents struggle with paying for child care expenses while they are working, in school or seeking a new job. Government vouchers and subsidies can be obtained which can help a qualified family with paying for a portion of their bills. Read more.


Local and state government assistance programs

Click on your state for more details on programs or grants that your state, local government, or non-profit agencies may offer to help you through a difficult period. You will also find a listing of your community action agencies as well as public aid programs. These resources are in addition to the national programs listed above. Or visit and register in the forum to ask for and find additional financial help, share ideas and resources, and to also support others in need. We will reply to all requests in the forum.



























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Need Additional Government Help or Assistance?

Send us an email @  Please be sure to include your email address and state. The information is needed to send a reply. Or visit or register in the community forum for information on financial aid as well as state assistance programs (the link is on the lower right margin) and we will reply to your message there.






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