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Assistance programs Grand Traverse County.

Learn how to apply for financial assistance for paying bills, housing, medical costs and more. Find charities, churches, and government agencies in Grand Traverse County. Get help with paying rent, access affordable housing or security deposit help, and also receive free food, Meals on Wheels or even energy bill assistance.

Self-sufficiency is a focus. Case management, including help with eliminating credit card debt, is combined with emergency financial help from non-profit such as NW Community Action or the Housing Commission. Traverse City struggling families or individuals can receive grant money, free stuff, credit repair services, school free supplies and much more.

Find assistance with bills in Traverse City MI area

The Northwest Michigan Community Action Agency offers local residents various ways to get assistance for paying bills, debts, and expenses. They also administrate programs that can provide direct cash grants. NMCAA is a nonprofit Community Action Agency that serves ten counties of northwest Michigan. Some of the programs they operate are below.

  • Foreclosure prevention: They provide both counseling and can also offer certain homeowners a one time cash assistance grant, when funds are available, to help homeowners prevent a mortgage foreclosure. They do what they can to try to keep families in their homes. In addition, reverse mortgage counseling for seniors is also available. They are a HUD approved housing counseling agency.
  • Home Repair and Replacement Programs: These are targeted at low and moderate income homeowners in Benzie, Missaukee and Wexford Counties. However, if you do not live in those counties, information and referral can be given on similar home repair programs that are available in other counties.
  • Credit and budget counseling: The staff also offers Financial Management workshops and individual counseling which help participants learn basic household budgeting skills, ways to save money, debt management, and credit repair with follow-up assistance also provided. More credit counseling programs.




  • Rent assistance: Counseling, guidance, support and also onetime cash assistance grants can be offered to renters who are facing eviction. Guidance is also available to resolve landlord tenant disputes.
  • Security deposits, assistance for homeless and potential renters: If you meet the criteria, the Northwest Michigan Community Action Agency staff can provide guidance and also one-time cash assistance grants, when available. The grants can be used to pay back rent due, applied toward security deposits, and monthly rent so someone does not get evicted from their housing.
    They also work with the homeless to help them establish permanent housing. Also, housing counselors can provide information packets on landlords, low-income rental housing, and also budget analysis for individuals seeking a place to rent.
  • Budgeting and financial advice - Staff from the Northwest Michigan Community Action Agency provide advice on a wide range of topics. Clients can learn about counseling, employment opportunities, and how to save money as well as budget. All resources are free. Find other money saving tips.
  • Weatherization : They also provide free energy conservation services for eligible low-income households. Programs that will offer families free energy conservation updates to their homes, such as additional insulation, weather stripping, furnace repairs, and more. The improvements can help people save hundreds of dollars per year on their heating and energy bills. The Michigan DHS partners with Northwest Michigan Community Action Agency (NMCAA) to operate the housing program.
  • Debt elimination programs : Case workers from the Community Action Agency in NW Michigan help clients get back on track. They offer workshops on paying down debt, including credit card or medical. They offer support around auto loan payments, bankruptcy filing and other services. Locate more details on help with credit card debt.

Northwest Michigan Community Action Agency is located at 3963 3 Mile Rd N, in Traverse City, MI. Call (231) 947-3780. They offer support in other counties as well. Find more details on financial assistance from Northwest Michigan Community Action Agency.





Government programs and benefits are run by the Human and Health Department at (231) 941-3900. They offer a wide array of programs, including homeless prevention or free grant money from SER for rental assistance. There is also Medicaid health care as well as heating and electric bill emergency assistance programs.

Low income families in Grand Traverse County can also apply for SNAP food stamps or get help for employment needs, even job training or free gas cards. Or enroll into WIC or other benefit programs. The office is at Elmwood Ste. 19, Traverse City, MI 49684, 701 S Ve, Traverse City, MI.

Churches - Dozens of sites are part of Love Thy Neighbor Grand Traverse Region. The faith based group helps families of all regions and races. The charity relies on donations and volunteers, but there may be assistance for car repairs, free food, baby supplies, or diapers. There is also free household stuff and furniture, among other items. They also will have free school supplies as well as Christmas toys and meals, among other items. Click more information on Love Grand Traverse.

Short term transitional housing or shelter can be offered by Goodwill Inn at 231-922-4890. The address is 2943 N Keystone Rd, Traverse City, MI 49686. Another option is the Grand Traverse Women's Resource Center shelter. Dial 231-946-1210.

The Traverse City Housing Commission administers a few rental assistance programs, including section 8 housing vouchers. Dial 231-922-4915. There are low-cost, income and rent subsidized homes or apartments for lease. Section 8 will limit the amount of money that a family needs to pay towards their housing expenses.

Churches from Grand Traverse County St. Vincent provide support to the low income and families in a crisis. They mostly offer basic needs (such as food clothing, shelter) and referrals. Volunteers can also refer clients to everything from prescription vouchers for a serious medical condition to transportation. Read more on SVDP assistance in Grand Traverse County.

The Salvation Army Corp Centers in the region administer emergency assistance and social services. Programs are targeted at the least fortunate, including low income families with children, seniors on a fixed income, and the disabled.

Numerous resources are made available, including funds for emergency needs such as rent, utility bills, and free food boxes. Seasonal programs include free Christmas supplies, free holiday meals and back to school items. Case managers also help clients with self-sufficiency and employment challenges. Or the homeless in Traverse City can be placed into a shelter or transitional housing program. More on Salvation Army programs in Grand Traverse.





Foreclosure assistance and free counseling in Grand Traverse

Homeowners can get help as well. This is another service that is offered, mostly for free, to Traverse City homeowners. The Community Action Agency administer it. They have highly trained HUD housing specialists who will meet with homeowners to try to find a solution to their housing troubles.

A wide variety of assistance programs will be explored. This ranges from payment plans to free mediation. Or clients can learn about FHA mortgage loans in Grand Traverse County MI or even get help with property taxes from the Northwest Michigan Community Action Agency or its HUD partners. Call (231) 947-3780 for details.


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