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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 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 pantries, 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. Or learn how to get free stuff, food, affordable housing, job programs and more that help struggling families with both emergency as well as long term needs.

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 faced with an unexpected crisis and needs immediate assistance or financial resources, and there will be support for that as well. Find programs that help with rent.
     
    • 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 near you.
       
  • 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.

  • Assistance with electric, light, heating and other utilities is offered from national organizations as well as utility companies. It is also possible to reduce monthly energy bills which can also free up a household’s income for other basic needs. 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.
     
    • Local 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. Find utility help near you.
       
  • 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.

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, volutneer lawyers for the low-income and get information on free legal advice.

 

 

 

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 near you. Charities or regional social service offices provide free food, hot meals, hygiene supplies, or groceries. Or get applications to SNAP food stamps (EBT), free school lunches/breakfast and other hunger prevention. Find a list of state food pantries.
     
    • Local, community based food pantries operate too. 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 a food pantry near you.
       
  • 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.Help with bills

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.
     
    • Most local communities also have places for free items, whether a church, charity, voucher program from a thrift store or other distribution center. There are items in cities, counties or certain states, and find stuff for free in your community.
       
  • 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.

 

 

 

 

 

 

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 government financial assistance, 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 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. Find information on federal, state, and local immediate financial help from government assistance programs.
     
    • 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 assistance near you.
       
  • 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.
     
    • 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.
     
  • Borrowers with bad credit (or no history) can get loans. There are non-profits, credit unions, online banks and payday type lenders. Get money from title loan companies, cash checking stores, or pawnshops that can be turned to in a crisis. Families that are struggling due to past challenges can also get emergency financial assistance from loans for borrowers with no credit.

 

 

 

Transportation assistance - Free cars, repair or car loan help and more

Transportation is needed for work, job training, school, and other purposes. There are charities and well as non-profits that offer free or cheap 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, healthcare, prescriptions 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.

  • Sliding fee or free medical clinics provide emergency or preventative healthcare to the low income, uninsured, women and underinsured. Adults, kids, and patients with no insurance or Medicaid can use the centers. Federal qualified health care centers as well as rural clinics are also very local too. Locate free clinics that offer health 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.
     
  • Low income families and those with no insurance can also get help with vision needs, including prescription glasses or exams. Learn about glasses, contacts or free eye exams near you.

Extra income, work from home or free job training programs

There are a number of ways to make extra money from side hustles, gig jobs, work from home jobs (part or full time) and more. In addition, free government job training can help people get new skills.

  • Jobs can be done from home, whether full or part time. Companies offer a number of opportunities, and find legitimate work from home jobs.
     
  • Free job training, counseling, career advice and other support is available from the government as well as non-profits. Workforce centers and other locations provide job training and placement near you.

 

 

 

 

Debt relief for loans, credit cards, medical costs and unpaid bills

Get information on non-profit credit counselors, debt relief programs from credit card lenders, hospitals or car loan companies as well as general financial literacy tips. Find ways to save money, even for low income families or people living paycheck to paycheck, as well as resources that help pay down debt. Assistance programs are available from banks, lenders, non-profit credit counselors, financial literacy resources and other support.

  • Many other debt assistance programs are available, ranging from credit card hardship to consolidation loans, payment plans, forgiveness and negotiated settlements. Banks and lenders often provide relief to their customers. Find how to apply for debt relief help.
     
    • There is help for credit card bills too. Locate interest rate reductions, refinancing from a bank, and payment plans for unpaid debt are offered as well as other forms of credit card help.
       
  • There are also many things that families can do to cut back on their expenses and save money, which is key to getting out of debt or financial stability. Find tips for low-income people who are living on a budget or struggling to pay the bills. Whether it is saving money on, using free coupons, or budgeting for housing, rental costs, utility bills, food, or really any expense, find a number of money saving tips.

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.

Local 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.

Alabama

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

 

 

 

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

 

 

 

Tennessee

Texas

Utah

Vermont

Virginia

Washington

Washington DC

West Virginia

Wisconsin

Need Additional Help With Bills? Send us an email at info@needhelppayingbills.com   Include your email address and state. It is needed to send a reply to your request. Or visit or register in the community forum (link below) and we will reply to your message there..

 

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