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State & Local Resources

Rent Assistance

Free Food Pantries

Utility Bill Help

Free Stuff and Money

Extra Income and Home Work

Public Assistance

Disability Programs

Section 8 Housing

Senior Assistance

Emergency Rent Assistance

Free Job Training

Free Money

Grants For Bills

Free Clothes & Supplies

LIHEAP Assistance

Telephone Assistance

Help with Water Bills

Charity Assistance

Church Assistance

Community Action Agencies

Medical Bills

Free Healthcare

Free Prescriptions

Free Community Clinics

Free Dental Clinics

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Find a summary of programs to help with bills.

Below you will find a number of resources that can help with paying all types of bills, debts, your mortgage, rent, and more. This will be in the form of financial assistance, free items, and other forms of support. In addition, there are many ways to save money on your bills or methods to earn some extra cash each month. If you put in a little research, effort and time, it is easy to find assistance that can help you save hundreds or thousands of dollars per year, and in most cases it won’t cost you a cent to save.

There are companies (both private and non-profit) that will offer direct financial aid or that will help you save on bills (and that may charge you only if they save you money), government programs, tax breaks, and coupons. This is to name just a few of the options available. The list below is almost a quasi-directory for our site that branches out to other sections.

Automobile expenses

  • Auto loan refinance. Potentially lower your interest rate by a few percentage points to save thousands of dollars over the life of your auto loan. There are no costs to apply. More on auto loan refinancing.
  • Car insurance bills. Save hundreds of dollars per year on car insurance. Find how to get help saving on car insurance.
  • Free automobiles - Several charities and non-profits can provide free, used cars or they may offer low interest loans to buy a car. Locate free car programs.
  • Gasoline. Improve your cars fuel economy by up to 30%, and save money on gasoline bills. Most of the improvements are free for saving gasoline.
  • Low interest loans. Ways to Work is an organization that provides low to moderate income individuals with low interest auto loans. They are intended to help them buy used cars, or pay for car repairs. Apply to Ways to Work auto loans and find non-profits that offer funds.




  • Traffic tickets and court costs - There is emergency financial help for paying bills related to tickets (speeding, parking, and others). Government, lawyers and charities assist. Find how to get help paying parking or speeding tickets.

Credit card bills and credit card debt

  • Assistance with debt from card issuers. Credit card companies are more will to settle debts pro-actively with customers and they are offering additional debt assistance programs. In addition, take advantage of the recent federal government bailout of banks which has resulted in credit card issuers becoming more flexible in reducing debt. Learn how the government is offering help with debt..
  • Consolidate debt to save on interest expense. The 6 best ways to consolidate your medical and credit card debt from Bankrate. Find how to consolidate debt.
  • Credit card debt. Significantly lower your interest rate, eliminate debt, save on interest. Many programs are offered that provide assistance with debt.
  • Credit card bills using low rate cards. Consolidate and save on interest expense with a low or zero percent credit card. Find interest free credit cards for saving money.





  • Debt collectors. Get help from debt collectors and collection calls. Many of their practices are illegal. Find how to get help from debt collectors. Also, learn how suing a debt collector can be very successful in ending illegal collection calls.
  • Hardship programs are offered by credit card companies and banks that can help you reduce your interest rates and get out of debt.
  • National bank programs. Many national banks offer countless programs to help their customers. Find assistance programs from lenders such as Bank of America, Wells Fargo, and JP Morgan Chase.
  • Payday loan alternative. Many low income families need access to short term cash to pay bills and emergency expenses. Get information on ways to get emergency short term cash, including alternatives to payday loans.
  • Title loan. Another short term financing option is to take out a loan using your car as collateral. The product is higher risk, but can be used to get quick access to cash and is known as a title loan. It is a last resort to help pay bills, and learn more on car title loans.

Free money and save money

  • Best money saving tips from Real Simple, Bankrate, and Consumer Reports and also ways to set spending priorities. More ways to save money on bills.
  • Cell phone apps can be used to make money. They are available for all forms of technology, and find a list of free Android and iPhone apps.
  • Christmas Assistance Programs can provide holiday meals, free food, gifts, programs such as Angel Tree, and other help around Christmas and the holidays.
  • Grants for African Americans. The federal government is creating new assistance and grant programs that focus on minorities. Locate African Americans grants and learn more on applying.
  • Make Free Money. From rebates, online sites, and more. Find free money for paying bills.
  • Negotiate to save on bills. You can negotiate many bills and save hundreds of dollars. Negotiate medical bills and others. Borrowers can do it themselves or hire someone to negotiate savings on bills.
  • Rebates, coupons, and more. Take advantage of these. As this is the closest thing to “free money”. Get a list of online deals.





Housing (mortgage, rent, taxes, foreclosures, and home repairs)

  • Home repairs and other do it yourself savings. Many are easy to do yourself. Find free home repair programs.
  • In addition to the do it yourself programs, many charities and local agencies administer other home repair programs and offer low interest loans. Get an extensive list of information on home repair programs and loans.
  • Foreclosures. It is very important for homeowners to both about their mortgage terms, as well as understand the foreclosure process as well as what options and solutions they may have.
  • Housing assistance. Most cities and counties across the nation have charities and programs that specialize in offering rental help and eviction prevention services. Find a listing of emergency rent assistance programs by city.
  • State housing authorities - Every state has a public or government run housing authority. They provide foreclosure counseling, rent help, repairs, loans, and other aid. More on housing authorities.
  • Mortgage. The government and others are helping millions of homeowners pay their mortgages and avoid foreclosure. Non-profits and banks also offer mortgage assistance.
  • Taxes. Lower your real estate tax assessment, get help with federal and state income taxes, and save on total annaul tax costs. Get help with taxes.
  • Rent assistance. Find how to get help with paying your rent and security deposits in an effrt to stop homelessness. Find how to get rent help.
  • Section 8 Housing assistance. This is a federal government funded program that helps low income and others with paying rent. It is run by HUD and is known as section 8. Learn more on this program.

Income opportunities

There are other ways to increase your income and get some extra money for your household. The extra income can go towards paying bills or debt, or it can be used for a savings account. There are various work at home opportunities. Or learn about freelancing, which can involve hundreds of different types of jobs. And another growing trend is people taking online surveys or market research to make money.

Insurance (home, auto)

  • Health insurance plans and bills. Find the lowest priced health insurance plans and save money on medical care. There are thousands of options. Get details on health insurance plans.
  • Homeowners insurance. Save over 20% insuring your property. Find how to save on home insurance.

Loans (Private and non-profit)

  • Charities and the government may offer low cost financing, or even interest free loans, in some instances to qualified borrowers.
  • Lenders in the private marketplace may offer short term, emergency loans for paying bills as well, including payday lenders, pawn shops, and other companies. Apply for emergency loans.

Medical bills and debt

  • Save 65% on COBRA health insurance plans if you lose your job or health insurance. Most employers offer it. It assists the unemployed with medical needs. More on COBRA insurance.
  • Dental assistance can be obtained from clinics and centers in your state. Many offer a sliding fee scale, which means the care is offered at no cost or for free. More on clinics for free dental care.
  • Free community clinics are located in every state, and they provide either free or low cost medical and dental care to people of all backgrounds, regardless of their ability to pay the bills. More on community clinics.





  • Hospitals provide assistance with paying medical bills, offer charity programs, and provide free health care. Find how to get help paying hospital bills.
  • Loans from credit unions. Instead of choosing a payday loan, look into options like Stretch Pay loans.
  • Negotiate your hospital bills to receive lower rates and to save on health care expenses.
  • Medical bills. Many non-profits and government programs offer financial help. If you negotiate, studies show 90% success rate in reducing your bills for treatment. There are also other ways to save, and find how to get help with medical bills.
  • Prescription drugs. Save up to 80% on what you pay for your medications. Save money on prescriptions.
  • Prescription drug medications. Find ways to get free prescription drug medications from drug companies, charities, the government, and other agencies.

Shopping (groceries, online, and everyday shopping)

One very simple way to earn 3-15% CashBack bonus (or more!) on many of your everyday purchases is to sign up for a free account that gives you rebates every time you shop from national retailers, such as Wal-Mart, Petsmart, and many others. For example, you can get 5% cash back for every purchase you make at Wal-Mart, 7% at Babies R Us, and many other national retailers. Or you can even get paid for testing products or signing up for free offers. It is free money. Find rebates for shopping.

  • Grocery bills. Save hundreds of dollars on your food and grocery bills over the course of a year. Canned and fresh items can be bought as well as household supplies. Learn how to save on grocery bills.
  • Online shopping deals, rebates and coupon codes. Get paid for your everyday shopping, which is really free money. Locate online deals.
  • Reduced priced groceries. A non-profit organization known as Angel Food Ministry provides individuals of all income access to low cost food and groceries. Read more on cheap groceries and low cost food.

Taxes (property and income)

Utility, heating bills, and cable bills

  • Cable TV Bill. How to save on your cable bills with your current provider and find the best deals. Many customers save hundreds of dollars. Find help with cable TV bills.
  • Most utility and energy companies distribute grants, weatherization services, and other aid to low income, elderly, and disabled customers. Find details on energy assistance programs in your city.
  • Free items for items and other stuff can be provided to struggling households. Everything from food to grants, medical care, and more is available. The assistance is from charities and the government, and find how to apply for free stuff.
  • Utility and Heating bills. Either get cash grants or learn how to lower your usage by 10-40%. Get free help with your heating bills, water costs, light bills and more from utility company’s or the government. Read more on how to get help with utility bills.
  • Phone bill assistance program, including cell phone. Get free or heavily discounted phone service or help paying for connection fees. More on telephone assistance programs.
  • Top energy saving tips from consumer reports. Locate consumer reports energy saving tips.





  • Water bills. Find help with your water bills. There are payment plans, charities, and government resources that can help pay water bills.


  • Bankruptcy. Learn when to file bankruptcy and about the process. Credit counselors can often provide free advice and read more on how to get help with bankruptcy.
  • Back to School Supplies - There are non-profits and charity stores that offer either free or low cost uniforms, items for students, clothing, backpacks, and more. Read more on Salvation Army free school supplies.
  • Child care expenses. Save on and receive child or day care assistance. Free vouchers and government aid is offered. Read how to apply for free day care.
  • Elderly and senior resources - Individuals over 50 years of age, including seniors, have access to a number of assistance programs that specialize on meeting their unique needs. learn more on senior assistance programs.
  • Faith based groups - Regardless of religion, many churches offer free food, financial aid, clothes, hot meals, and other support. Locate a list of financial help from churches.
  • Family Assistance Program. This involves everything from employment to counseling, debt repair, and more. Continue with Family Assistance Programs.
  • Government and private grants have thousands of dollars available to help pay bills, provide education, and more. They also help pay for living expenses, and locate grants that help pay bills.
  • Find low income assistance programs that are offered by the government and others.
  • Refugee and immigration resources - Numerous organizations step up to support those who are new to America, whether legally or not. Read more immigration financial assistance programs.
  • Legal assistance and counseling. There are numerous non-profit organizations as well as attorneys across the country that provide free legal advice and assistance. Get free legal advice from attorneys.
  • Oversees countries. Families from across countries will need some form of financial aid from time to time. When this occurs, there are programs for them in their local nation. Click financial aid for other countries.
  • Scams and Fraud. Many lower income people, the uneducated, seniors, and vulnerable are targeted from illegal schemes and scams. They can be financial related, identify theft, or really cover any number of issues. Find how to protect yourself against scams.
  • Scholarships and Grants. There are numerous scholarship and grant programs that can help someone get their college education They are free to apply to. Find more on scholarships.
  • Student loans. Find help with paying loans and how to consolidate debt. Many government resources are offered that help with student loans.
  • Trade Adjustment Assistance Program. Receive additional unemployment and job training. It is for people who lose their job to exports. More on Trade Adjustment Act.





  • Vet and pet bills. Dog, cat, and pet owners can get free care, medications, or financial aid. Find help with veterinary bills.
  • YMCA financial assistance helps with summer camp and pay for child expenses. Continue with YMCA programs.

Also, find the top money saving tips from various other sources. Save hundreds of dollars per month.


By Jon McNamara

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