Get help with paying bills and find resources for struggling families.
Find how to get financial assistance with bills as well as free items including for an emergency or long term help. There are local agencies that may 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. The primary categories of assistance programs on this page include the following.
Another option is the needhelppayingbills forum, which is a discussion site/community organized by needs such as for rent or utility help, food or free items and more. The service can be used to write about personal needs for help as wellas find resources to assistance, and read or join the needhelppayingbills community forum.
Housing assistance - rent, mortgage, security deposits and more
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Rental assistance will be provided from charity organizations, social services or government agencies. Sometimes a tenant needs immediate assistance and there will be money to address the crisis. There are also state and national financial assistance programs that give help with paying back rent, storage and other housing costs. Find programs that help with rent.
- 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.
- Local rent assistance programs by city, county, and state also exist. We have a list of places to apply at in each region. Locate rent payment assistance in your area.
Sometimes homeless shelters are full and a free motel or hotel room is a short term option. This can help families or single adults. 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. The goal is to help people move or be rehoused into a permanent home. Get security deposit assistance.
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
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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.
- Local, both town and company specific, utility assistance programs are an option for low-income families. Get a list of programs by state and company. Find utility assistance in each state.
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 are given out. 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.
Regional or national free food banks, pantries and grocery programs can be used in an emergency. Charity distribution centers 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.
The number of local places that give out boxes of free food are extensive. Almost every county and town have resources available. Locate free food programs by state and county.
Food or meals (frozen or hot) will be delivered for free to the homebound, elderly, or disabled. Many churches and charities operate the service. Meals on Wheels provides both food and wellness checks. Locate meals on wheels food delivery near you.
Free stuff or basic needs - Clothes, furniture, seasonal items and more
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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.
- Charities and churches give away items, for free, in most local communities. They help low-income families and those impacted by a financial hardship. Learn about free stuff given away in local areas.
Furniture banks provide beds, mattresses, desks, couches, and many gently used or household items. A number of places also give out free vouchers for items. Locate free furniture banks near you.
- Appliances are given out as well in local communities. Low-income families and the formerly homeless (among others) can get washers, dishwashers, TVs, refrigerators and other items for their home. Find a free appliance program in your area.
Free clothes for work, general use, winter weather or other needs are offered by thousands of churches charities. Adults and kids will get the clothes for work, school or everyday use they need. Locate dedicated free clothing closets near you.
Sample products are available for free, often by mail. Companies, online stores and other places (even a non-profit) will give out free stuff for feedback and all sorts of samples can be found. Learn how to get free samples in the mail.
Students from low-income families can get free supplies. Kids need to have the back to school items they need, whether it is a uniform, clothes, books, backpack, or other goods. There are programs run by churches or charities that offer free school supplies.
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.
Free tablets are provided. Low-income families, and in particular those on benefits such as SNAP, Medicaid or others can get a tablet from one of multiple government programs. Find a free tablet from the government.
National charities, non-profits and churches that provide help
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Community action agencies help the low income as well as unemployed overcome poverty or even find a higher paying job. Money for rent, energy bills and other resources are offered. 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.
Grant money, cash or government assistance
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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 or get money for “free”. A number of companies and foundations give away money or earn from everyday tasks using apps, cash back websites, survey or market research sites and others. Find how to make free money for paying bills.
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.
Transportation assistance - Free cars, repairs or car loan help for the low income
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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 to struggling people. 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. Labor and parts to fix a car can be paid for. 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, first day of a new position 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.
Free medical, healthcare, medications and dental
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Medical care is free from some government 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. Look here for free healthcare.
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.
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.
Free vet care is available too for low-income families. There are clinics at places such as the Human Society and animal shelters. Many veterinarians also volunteer and/or give free clinics to care for dogs, cats, or other animals. Find free veterinary care in your area.
Homeowner resources - Mortgage help, home repairs, and more
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Find mortgage payment help from banks, non-profits, and national agencies. Local governments also offer mortgage relief or foreclosure prevention services and there are free HUD counselors too. 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 to help fix an older house for safety needs. Learn about on free home repairs.
Additional programs
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. As throughout the page and website is information on financial help in local communities that assists low-income families.
Local financial assistance programs and social services by state
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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, health 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
Contact us for resources struggling families
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 use the search page, look at USA.gov for info or register in the community forum (link below) and we will reply to your message there.
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