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Immediate Financial Assistance

Rental Assistance

Food Pantries

Utility Bill Help

Free Stuff

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Public and Government Assistance

Disability Benefits

Section 8 Housing and Apartments

Senior Help

Free Money

Free Grants

Free Clothes

Charity Assistance

Church Assistance

Community Action Agencies

Free Job Training

Help with Medical Bills

Free Healthcare

Free Dental Clinics

Car Payment Assistance

Debt Relief

How to Save Money





Get help with paying bills or free stuff.

Find how to get financial assistance with bills, free items, housing, food, and emergency or long term help. There are local agencies that will be near you, listed below by state or program type, as well as national organizations, including charities or government social services. Everything from rent or utility bill assistance to free food, mortgage payment help, free health or dental clinics and much more is listed.

There are also tips for saving money on a low income as well as information work from home or job training programs. Also locate free stuff including coupons, vouchers for free items or information on financial literacy, apps for making extra money, and so much more. All the information is below by category. As throughout the page and website is information on financial assistance programs that help pay bills ASAP.

Housing assistance - rent, mortgage, security deposits and more

A number of rental assistance programs help the low-income, single mothers, working poor and others. The goal is to stop evictions and keep tenants housed or to allow people to move into affordable housing.

  • Rental assistance will be provided from charity organizations, social services or government agencies. Sometimes a tenant is needs immediate assistance and there will be money to address the crisis. There are also state and national financial assistance programs for paying back rent, security deposits, storage costs and other housing costs. Find programs that help with rent.
  • There are also federal government income subsidized housing and apartment programs in all states. As an example, find section 8 near you.
    • Emergency section 8 will be available for seniors, the disabled and people in a financial crisis. The application process is expedited. Learn how to get section 8 immediately.
  • Sometimes homeless shelters are full and a free motel or hotel room is a short term option. Charities (or government agencies) can provide free motel vouchers.




  • Rapid rehousing, security deposit help and Homeless Prevention is another option. Everything from grants to legal consultation are offered to low-income families. Get security deposit assistance.
  • Some housing, apartment programs and rental assistance is focused on single moms. Charities and government programs often assist, and learn about free apartments offered to single mothers near you.
  • Housing with no waiting lists will be offered from section 8, government programs, or non-profits. Apartments or homes can be offered in a crisis to single mothers, veterans, the low income or disabled as well as elderly among others. Get details on low-income housing and apartments with no waiting list.

Utility bill assistance - electric, water, utility deposits, telephone and more

Utility assistance, either emergency financial help or long term energy conservation measures, can help renters as well as homeowners. Charities, utility providers, the government and other organizations offer help with electric, power, and light bills.

  • Help with electric, light, power and other utilities is offered from national organizations as well as utility companies. It is also possible to reduce monthly energy bills. Find financial help along with emergency grant money to pay utility bills. There is also free hardship relief to customers to stop a disconnection or funds to pay a deposit. Read more on electric bill assistance.
  • Water bill assistance can stop a shut-off or disconnection. Charities and local water companies will offer relief as well to low income customers. More on help with water bills.
  • Phone bill assistance is an option, including free cell phones for the low-income, disabled or seniors. In addition to money to pay overdue bills, learn about free iPhones, tablets, Samsungs and other smartphones, including for families on EBT or Medicaid. Find phone bill assistance.
    • Free iPhones from the government - Low-income families, people on benefits such as SNAP food stamps (EBT), Medicaid, section 8 and others can get a free Apple iPhone to ensure they have communication devices. Learn more about a free iPhone.





Free food programs

Struggling or low-income families can get help from charities, including free food pantries, Meals on Wheels, soup kitchens and other food distribution centers. Or apply for government benefits including SNAP food stamps, USDA commodity programs, meal programs for children or the elderly and other hunger prevention services.

  • Regional or national free food banks, pantries and grocery programs can be used in an emergency. Most states as well as counties have distribution centers. Charities or regional social service offices provide free food, hot meals, hygiene supplies, or boxes of groceries. Or get applications to SNAP food stamps (EBT), free school lunches/breakfast and other hunger prevention. A pantry may be based at churches, faith based groups, or local neighborhoods. Find a list of state food pantries.
  • Food or meals (frozen or hot) will be delivered for free to the homebound, elderly, or disabled. Meals on Wheels provides both food and wellness checks. Locate meals on wheels food delivery near you.
  • SNAP food stamps, including emergency benefits and EBT expedited cards, can provide financial help. There are funds to help pay for groceries, or other basic needs. Get details on how to get emergency food stamps.

Free stuff or basic needs - Clothes, furniture, seasonal items and more

There are many national as well as local organizations that offer free items year round. Whether it is groceries, school supplies or Christmas toys, clothes, cars, gasoline vouchers or more, struggling families can get stuff for themselves or their children.

  • National organizations, corporations, and even the government will provide free items or products to low income households. A wide variety of goods are given away. Free household or personal stuff can also be provided to low-income families, the elderly, children or single moms or dads. Find how to get stuff for free.
  • Furniture banks provide beds, appliances, mattresses, desks, couches, and many gently used or household items. Locate free furniture banks near you.
  • Free clothes for work, general use, winter weather or other needs are offered by thousands of charities. Adults and kids will get the clothes for work, school or everyday use they need. Locate dedicated free clothing closets near you.







  • Free baby wipes and diapers are available for new parents. Low income and/or struggling parents as well as single moms need diapers or wipes. Get free diapers.
  • Free government Internet programs assist low income families as well as students. The goal is to encourage at home - remote work, education, or helps parents with children. More on free internet services.
  • Funeral, cremation and burial assistance programs are available. Charities or the government offer free services, caskets, or financial help, even to the uninsured. Find funeral assistance for low-income families.
  • Students from low-income families can get back to school items they need for free. Charities give away uniforms, clothes, books, backpack, or other goods. There are programs run by churches or charities that offer free school supplies.
  • Free air conditioners or help to fix one is available. Government programs provide funds, or free AC units, and some charity organizations giveaway fans or air conditioners to seniors, the disabled and low-income. Find a free air conditioner program near you..Help with bills

Local community programs that help low-income families

In addition to state and national resources that help low-income families, many towns, cities and counties have local resources. Whether a charity that provides money to help pay bills or a free box of food or other free stuff, organizations that may be near you provide emergency and long term help.

  • There are also local financial assistance programs for paying back rent, security deposits, storage costs and more by city or county. Churches, a nearby charity or community action provide help to low-income families facing eviction. Find rent assistance from organizations near you.
  • Regional utility companies and government agencies provide help too. There are LIHEAP grants, payment plans, emergency electric or light bills funds for low-income families and more. Locate utility help in your area.
  • Local, community based agencies help low-income families with food. They may be based at churches, faith based groups, or local neighborhoods. The low-income and poor can get a free box of groceries and other goods. Find free food given away in your community.
  • Most cities and counties also have places for free items, whether a church, charity, voucher program from a clothing closet or other furniture distribution center. There are items offered to families with little or no money in many communities and learn how to get stuff for free in your community.
  • Local city and county programs also provide financial help, grants, and social services. There are funds from the government, non-profits, charities and churches. The help is only offered to people in the area, and learn where to get financial financial near you.




National charities, non-profits and churches

Find information on national, “well-known” charities that, in aggregate, help tens of millions of people per year. They giveaway free food, clothes, offer emergency financial help near you to help pay bills, housing costs and more.

  • Community action agencies help the low income as well as unemployed overcome poverty or even find a higher paying job. There are also grants and financial aid. Continue with community action program.
  • Churches often help struggling members of their local community or parish. Short term help will be offered to families living in poverty or the homeless as part of church assistance programs.
    • Catholic Charities is a local, faith based group. They help the poor, women facing DV, homeless, asylum seekers and others with free items as well as emergency financial help or other services. Learn more on financial assistance from Catholic Charities.
    • Society of Saint Vincent de Paul provides assistance. Local churches and parishes from SVDP provide rent help, financial assistance for bills, thrift stores, free food boxes and other support to struggling families. Locate St Vincent De Paul financial help near you.
    • Salvation Army social services are wide ranging. The faith based charity provides assistance with housing, free groceries, homeless shelters, emergency money for rent or utility bills as well as other resources, including free seasonal help. Find help from the Salvation Army.
  • Other regional or specialized charities exist that can provide emergency assistance for paying bills. There is money for rent, food, or transportation and regional charities that offer support for other basic needs. Find more non-profits or charity organizations.
  • Attorneys from non-profit law firms can provide free legal assistance or consultations to very low income families as well as senior citizens. Locate free pro-bono, volunteer lawyers for the low-income and get information on free legal advice.

Grants, cash or government assistance

In addition to the financial resources above, there are a variety of grant programs that operate year round. They help low-income families as well as people with no money. It will be financial help from the government, disability benefits, help for senior citizens or retirees and more.

  • There will be grants to pay for expenses ranging from energy bills to transportation, rent or housing costs, medical needs, food, and other bills when facing a financial hardship. Find information on grants to help pay bills.
  • It is possible to make money for “free” from everyday tasks using apps, cash back websites, survey or market research sites and others. Find how to make free money for paying bills.
  • Federal government immediate financial help, often in partnership with non-profits, is offered. Local city and county programs also provide financial help, grants, and social services. Find information on federal, state, and local immediate financial help.
  • State public assistance programs or government benefits can be offered to the very low income, unemployed or homeless. Benefits programs help people with no money or income or that are living in poverty. Find food, housing or homeless shelters, dental care, TANF benefits, Medicaid applications, energy bill help and more. The support is provided from the government as a form of public assistance or government benefits.
    • Singe adults or people with no kids can get assistance too. Low-income programs range from free grant money to pay bill to other basic needs (housing, food, water, electric, etc.). Find details on benefits for low income single people or the childless.
  • People with a disability can get help. Locate government benefits, SSI, loans, disability advocates and other options for adults or kids, such as support from charities. Disabled adults and kids will get help when facing a hardship. Learn more on disability help.
  • Programs help senior citizens and the elderly. Locate food, free medications, grant based aid, local senior centers, caregiving support and housing. More details on help for senior citizens.
  • Low-income parents, or single moms, can get free government child or day care, including vouchers or financial assistance. Locate affordable or free daycare near you.
  • Single moms can get financial assistance as well. There free grant programs for helping with bills or rent, clothes, flexible jobs for extra income or daycare among other resources. Learn more on financial assistance and grants for single moms.





Transportation assistance - Free cars, repairs or car loan help for the low income

Transportation is needed for work, job training, school, and other purposes. There are charities and well as non-profits that offer free or affordable assistance for transportation, if it is work related or “self-sufficiency”

  • Free new or used cars can be be offered to people who need it for a new or existing job, if lack of transportation is a barrier to employment. Charities, auto dealers and others giveaway vehicles. This can include a free car for low income families.
  • If/when a car or truck needs repairs, some grants, charities, or volunteer mechanics try to help. There are grants to pay for automobile repairs.
  • Free gasoline, including cards or vouchers, will be offered in an emergency. This can include a job interview or medical emergency. Learn about charities that pass out free gasoline vouchers.
  • Auto loan payment help will be offered by banks, lenders, or even non-profits. Financial assistance, payment plans and more can be available as help with auto or car loans.
  • The disabled can also get rides, including wheelchair or handicap transportation. Read more about free transportation for a disability.

Free medical, health, medications and dental

There are government assistance programs as well as free health clinics or pharmaceutical resources for low income families, the uninsured as well as those living in or near poverty levels. Options range from insurance to free or sliding fee type care.

  • Free dental care, including teeth cleanings, extractions, and charity assistance can help the millions of people that lack dental insurance. The uninsured and low income can get help from volunteer dentists as well as local clinics. Most cities and counties have them, including charitable or mobile centers. Locate assistance from free dental clinics.
    • Many other local charity dental agencies are available as well. This can also include free dentures, teeth extractions, preventative care and more. Volunteer dentists, nurses, hygienists, and free urgent care centers as well as clinics are options for dental work. Get free dental work near you.
  • Financial help is offered to pay medical or hospital bills. Everything from government grants to payment plans, non-profits or charities assist. Hospital and medical debts are also a major concern with the escalating cost of healthcare. Patients can apply for help from their provider, or locate medical bill assistance.

Homeowner resources - Mortgage help, home repairs, and more

Whether trying to get financial help for a past due mortgage payment, or assistance with a loan to buy a home or grants to make repairs, homeowners can get help.

  • Find mortgage payment help from banks, non-profits, and national agencies. Local governments also offer mortgage relief or foreclosure prevention services. There are a number of ways to get help with a mortgage.
  • Free home repairs will be offered to low-income families, seniors, or the disabled, among others. Grants and volunteers will assist. Learn about on free home repairs.

Financial assistance programs and social services by state

Select your state below to find a comprehensive listing of all emergency as well as long term programs that offer financial help. Based on various conditions, households can receive rental assistance, food, free medical care, daycare vouchers, dental care and energy bill assistance among other resources.






























New Hampshire

New Jersey

New Mexico

New York

North Carolina





Rhode Island

South Carolina










Washington DC

West Virginia


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