latest nhpb_banner 1__compressed2



Search the site

Immediate Financial Assistance

Rental Assistance

Food Pantries

Utility Bill Help

Free Stuff

Work From Home Jobs

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





Kentucky community action agencies assistance programs.

Struggling individuals in Kentucky and low income families may be able to receive support from a community action agency listed below. They offer programs that can assist in reducing poverty, provide jobs and self-sufficiency, and possibly offer emergency short term financial aid. Clients will be able to look into a wide variety of services offered by these non-profit agencies.

Much of the funding in Kentucky is provided from the Community Services Block Grant program. Government grants and case managers will assist and empower low-income families. Staff work to bring awareness and advocacy to people in the community. Some of what may be available from the grant includes Low-Income Heating and Energy Assistance Program, emergency food, financial literacy, job training, and more.

Financial aid and Kentucky grants

The Weatherization Assistance Program can provide permanent help to low income families with reducing their utility bills and energy costs by improving the energy efficiency of homes. First, audits are conducted to determine which conservation measures are most cost effective and appropriate for the home in question. Side benefits of the program being weatherization can also address health and safety issues as it was created to improve efficiency and household safety for low-income families with children, seniors and the elderly. It can keep families cool in the summer, warm in the winter, and in general safe all year long.

Some of what the program can do includes replace doors and windows, add insulation, or perform minor energy type home repairs such as roofs, floors, plumbing or electrical systems. As funding allows, it may also repair or replace heating equipment.

Wintercare is offered across Kentucky by your local Community Action Agency. Contributions from people in the community are received by utility companies and used to pay electric bills and re-connection fees. All donations received by a company will go directly to benefit clients. In addition, a community action agency can refer clients to other Kentucky utility bill assistance programs for their needs.




The Commodity Supplemental Food Program offers a monthly package of free food and groceries to help supplement the nutritional needs of low-income pregnant or post-partum women, senior citizens, children under the age of six, and newborns.

Grants may be provided from the Emergency Food and Shelter Program. It is offered to non-profits, such as community action agencies and the United Way, in an effort to expand the work of local social service agencies. When money is available, funds may be used to pay for supplemental food, shelter (including transitional sheltering), utility bills and rent/mortgage assistance.

Community Action Agencies can direct families to Kentucky Homeless Prevention and Rapid Rehousing programs. These help tenants or homeowners that are facing homeless from both financial aid and counseling. The homeless can also get grants, security deposit help, and emergency shelters too.

Home Delivered, Congregate, and also Home Care Meals are all offered for seniors. These resources provide people an opportunity to receive a free meal and also participate in activities and informational sessions. Centers may hold health fairs, budgeting workshops, and similar activities.

Many of the meals are served at Senior Citizens Centers, which also provide older adults who are aged sixty years and older with activities such as socialization, exercise programs, and general recreation. Members can also participate in educational and health screening programs. Or senior citizens can receive advocacy, counseling, homemaker, outreach, and legal assistance from Kentucky attorneys.

Meals on Wheels or Home-Delivered Meals is arranged by agencies and it is available for the elderly in Kentucky that are homebound and not able to cook for themselves.





Heating bill assistance is offered from LIHEAP. It is a federally funded program to help eligible working poor and low income households pay their home heating and gas bills during the winter. Grants are available, as funding allows, until March. The subsidy provides a one-time per year payment for heating costs. Payment amounts are determined by your income, family size, and type of heat used in the home.

There is an emergency/crisis component of LIHEAP as well, and this operates from January until March. Applicants must meet be in a crisis situation. This includes they need to be faced with an imminent loss of heating energy (such as disconnection), need to have four or fewer days worth of fuel oil, propane, kerosene, wood or coal available. Also, if you are faced with eviction from unpaid energy bills, then LIHEAP may be called upon for that.

Transportation may be offered for those struggling individuals that do not have a Medicaid card, including the disabled. A free ride can be provided to a doctor appointment or a local hospital. Or locate other transportation programs for the disabled.

Home repairs may be coordinated by community action agencies. Seniors in Kentucky may receive a long term, low interest loan to pay for improvements to their home. The focus is on addressing health and/or safety issues that the homeowner must be facing. Assistance can spruce up homes of the elderly and/or person with disabilities who need a little help. Several non-profits also assemble volunteers to do some of this work.

This is often known as Home Rehabilitation. Participants must meet income guidelines in order to qualify, have a clear deed to the property, and be willing to make a monthly mortgage payment if need be.

Prescription assistance, in particular discounts, may be provided. Centers can assist qualified clients and families who have no prescription drug coverage obtain free medications. Some services will even allow individuals with Medicare Part D plans to be eligible.

Many Kentucky families lack prescription drug insurance coverage. There are also discount cards as well as government programs that can help, including Medicaid or patient assistance programs. These can all help lower income families get the medications they need. Find other resources, even including website directories for free medications.

Education, employment counseling, and job training

Community action agencies also offer state as well as federal government employment and training programs. They combine them all under one roof, and clients can benefit. One service is known as JobSight.

If you're looking for a new or better job or trying to find the training that will help you compete in today's workforce, then non-profit agencies will work with you in an effort to help you meet all of your career goals.





Some of the services for job seekers include career planning, job placement, skills assessment, G.E.D. courses, vocational rehabilitation, education and other training information. Many locations also include a Career Resource Center where job seekers can get information about labor markets, prepare a resume, use a computer to access the internet to look for employment, and more Read Kentucky training programs.

The Workforce Investment Act is also available. It can offer services to help people get on the so called fast track to a rewarding career. It is offered for new graduates and more experienced residents as well. WIA is free to individuals who are eligible.

When funding allows, out of area job search and relocation assistance may be arranged for candidates. Individuals may be placed with a local business for on-the-job training or a paid work experience.

Free computer coding classes are offered by non-profits. It is done in an effort to retrain the workforce in Kentucky and/or to allow residents to get new skills. Learn everything such as software development, networking, engineering, website development and other computer programming skills. They will generally allow people to gain a new and/or better paying job. Find free computer coding from non-profits.

The WIA Youth Program provides guidance and assistance to in-school and out-of-school participants ages 16-21. Kentucky requires that applicants must be academically juniors or seniors and need help in transitioning into post-secondary school or employment opportunities. Employment assistance and career counseling is also provided to individuals who are out-of-school and do not exceed the age of 21. The program provides eligible customers the right combination of tools and knowledge to become successful and self-sufficient adults.

Some agencies participate in the Educational Scholarship Program. This will assist eligible low-income individuals and students in the pursuit of post-secondary educational goals that will improve their income and hopefully quality of life. Stipends and cash grants are awarded to eligible individuals to assist in their educational pursuits and the money can be used to buy books, supplies, transportation, meals, child-care, pay for tuition and other necessary items.

Head Start and the very similar Early Head Start programs are comprehensive child development services for infants, children, and pregnant women. The federal government funded program can offer high quality services designed to foster healthy development in children. It can help with needs including education, health, parent involvement and social services. The outreach and training efforts have helped provide lower income parents with the knowledge and services they need.

A similar service offered in Kentucky is the Migrant Head Start Network. This particular component provides comprehensive, holistic, and inclusive services including dental, medical, mental health, education, and nutrition services.

Mortgage, housing, and credit counseling services

The Kentucky Unemployment Bridge Loan Program is for homeowners who are struggling with paying their mortgage. It is a new forgivable loan option for qualified homeowners, and it can assist them in making their mortgage payments. Aid is only offered for Kentucky individuals who have experienced a job loss or reduction in income due to changing economic conditions or a reduction in hours. They also need to demonstrate a need for assistance. A very low interest rate loan will be issued to clients.







Homeownership Counseling can both help first time homebuyers, and also assist people who are faced with a foreclosure. By successfully completing the counseling program offered by non-profits you will be better able to develop a budget, improve your credit, and save for unexpected expenses. Consumers can manage credit and debts. Clients will generally understand how credit affects a mortgage loan, understand debt ratio, know what to expect at a loan closing, and can address basic home maintenance issues. Community Action Agencies can also direct homeowners to many other programs to help with mortgages.

Many community agencies work to help low-income households reach the American Dream of homeownership. The centers will seek funds in order to assist families in Kentucky with paying closing costs, down payments, and gap financing. Homebuyers may even be given two mortgages, which would be one from a bank and the second administered by the community action agency. Anyone looking into assistance will need to meet income guidelines, attend homeownership counseling sessions to deal with credit issues, and be able to afford their mortgage over the long term.

Financial literacy is arranged. The statewide Community Action Commission knows how important it is for individuals and families to understand predatory lending, budgeting, banking, and credit cards. So staff provide families and individuals with basic counseling. Learn about ways to reduce debts, consolidate payday loans, and really gain control of your future.

Community action family services and case management

The Self-Sufficiency program targets individuals and families who are working toward stabilization. Some of the resources offered by your local agency can include goal setting, case management, employment skill development, educational enhancement, and household financial management. Caseworkers from a community action agency will help participants set goals and then make a plan for achieving them.

Location of Kentucky agencies

Audubon Area Community Services
Mailing address - P.O. Box 20004
Owensboro, KY 42304-0004
Call (270) 686-1600
Counties supported - Daviess, Hancock, McLean, Union, Webster, Henderson, and Ohio.

Bell-Whitley Community Action Agency
Mailing address - P.O. Box 159
Pineville, Kentucky 40977
(606) 337-3044
They offer EFSP grants, job programs, information on side gigs, weatherization and other support. Find help from Bell-Whitley Community Action Agency.

Big Sandy Area Community Action Program, Inc.
Address - 230 Court Street
Paintsville, KY 41240
Telephone number - (606) 789-3641
Programs are for Floyd, Johnson, Magoffin, Martin, and Pike County.
There are programs ranging from employment to financial literacy, job placement and more. Find more details on assistance from Big Sandy Area Community Action Assistance Programs.





Blue Grass Community Action Partnership
Location - 111 Professional Court
Frankfort, Kentucky 40601
Call (502) 695-4290 for intake
A wide area is supported by this agency. Various low income programs are offered for residents of Anderson, Boyle, Franklin, Garrard, Jessamine, Lincoln, Mercer, Scott, and Woodford County. Apply for energy bill assistance grants (LIHEAP) or government programs such as Head Start. More on Blue Grass Kentucky Community Action.

Community Action Council for Lexington-Fayette, Bourbon, Harrison and Nicholas Counties
P.O. Box 11610
Lexington, Kentucky 40576
Call (859) 246-1192
The non-profit offers low income energy bill assistance, information on food programs, rental help, and funds for paying expenses such as security deposit fees. Other services are also offered in the Lexington area, such as job placement. Read more on Community Action Council for Lexington-Fayette area.

Community Action of Southern Kentucky, Inc.
P.O. Box 90014
Bowling Green, Kentucky 42102-9014
Phone number is (270) 782-3162
The southern portion of the state is covered, including Allen, Logan, Barren, Butler, Edmonson, Hart, Metcalfe, Monroe, Warren, and Simpson. Continue with Southern Kentucky Community Action Agency assistance programs.

Daniel Boone Community Action Agency, Inc.
Main address is 1535 Shamrock Road
Manchester, KY 40962
Telephone number is (606) 598-5127
Counties are Clay, Jackson, Laurel, and Rockcastle. Learn more on the services from Daniel Boone Community Action Agency.

Foothills Community Action Partnership
Main address - 309 Spangler Drive
Richmond, KY 40475
Primary telephone: (859) 624-2046
(859) 624-2049
Services are for residents in Powell, Clark, Estill, and Madison.

Gateway Community Action Agency
P.O. Box 367
West Liberty, KY 41472
Call (606) 743-3133
Counties include Bath, Menifee, Montgomery, Morgan, and Rowan.
The JobSight service can address employment needs, and the non-profit also offers financial help and grants from a program known as God Shelter. Other support, such as Head Start and Commodity Supplemental Foods are offered in Kentucky. Find assistance from Gateway Community Action Agency.

Harlan County Community Action Agency, Inc.
Address: P.O. Box 1556
Harlan, KY 40831
Phone - (606) 573-5335

KCEOC Community Action Partnership, Inc. - Knox
P.O. Box 490
Barbourville, Kentucky 40906
Call (606) 546-3152 for information

Lake Cumberland Community Action Agency, Inc.
P.O. Box 830
Jamestown, KY 42629-0830
Phone number is (270) 343-4600
Offers food, senior aid, and job training for people in Adair, Casey, Clinton, Cumberland, Green, McCreary, Pulaski, Russell, Taylor, and Wayne.

Licking Valley Community Action Program, Inc.
Address is 203 High Street
Flemingsburg, Kentucky 41041
(606) 845-0081
Counties include Robertson, Brackon, Fleming, Lewis, and Mason.

LKLP Community Action Council, Inc.
Center is at 398 Roy Campbell Drive
Hazard, KY 41701
Telephone: (606) 435-5853
Leslie, Letcher, Knott, and Perry County.





Louisville Metro Community Action Partnership
Main address - 810 Barret Avenue
Louisville, KY 40204
Telephone: (502) 574-4377
This is the community agency for Jefferson County. A number of programs are offered for the working poor and low income. Among them include emergency housing and rent assistance. Seniors may receive food, and assistance is also offered for children and the unemployed. If financial aid is not available, some low income families may receive forgivable loans from the community action agency. More on Louisville Metro Community Action Partnership.

Middle Kentucky Community Action Partnership, Inc.
Call 1137 Main Street
Jackson, KY 41339
Telephone: (606) 666-2452
(606) 666-9780
Counties include Breathitt, Lee, Owsley, and Wolfe

Multi-Purpose Community Action Agency, Inc.
PO Box 305
Shelbyville, Kentucky 40066-0305
(502) 633-7162
Bullitt, Shelby, and Spencer County.

Northeast Kentucky Community Action Agency, Inc.
Location - 539 Hitchins Avenue
Olive Hill, KY 41164
Call (606) 286-4443
Counties supported by the non-profit are Boyd, Carter, Elliott, Greenup, and Lawrence. Click here for details on Northeast Kentucky Community Action Agency assistance programs.

Northern Kentucky Community Action Commission, Inc.
Main address - 717 Madison Avenue
Covington, KY 41011
Main number is (859) 581-6607
Offers low income families help. Supports the area of Pendleton, Boone, Campbell, Carroll, Grant, Kenton, Owen, and Gallatin. Some of the resources include grants for paying rent to prevent evictions, summer meals for children, emergency pantries, and energy conservation programs. Continue with Northern Kentucky Community Action Agency.

Pennyrile Allied Community Services
Hopkinsville, Kentucky 42241-0549
Telephone: (270) 886-6341
(270) 885-6078
Counties - Caldwell, Christian, Crittenden, Hopkins, Todd, Lyon, Livingston, Muhlenberg, Trigg

Tri-County Community Action Agency, Inc.
Address - 1015 Dispatchers Way
LaGrange, KY 40031
Telephone number - (502) 222-1349
Henry, Oldham, and Trimble County.
Case management and referrals are provided from this center. Or get help in applying for government programs such as section 8 vouchers or the weatherization assistance program.





West Kentucky Allied Services, Inc.
P.O. Box 736
Mayfield, Kentucky 42066
(270) 247-4046
Counties covered are Ballard, Calloway, Carlisle, Fulton, Graves, Hickman, Marshall, McCracken


By Jon McNamara


Additional Local Programs












Contact Us

About Us

Financial Literacy Blog

Privacy policy

Visit Facebook page

Search Site