latest nhpb_banner 1__compressed






Help Near Me

Immediate Financial Assistance

Rental Assistance

Free 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 Agency

Free Job Training

Help with Medical Bills

Free Healthcare

Free Dental Clinics

Car Payment Assistance

Debt Relief

How to Save Money

Search the Website

Assistance programs in Wayne, McCreary, Pulaski, Russell, and Taylor

Low income families can get financial assistance from churches, charities, or Health and Human Services. Find applications for grant money to help pay a mortgage, back rent or security deposits. Or get help in McCreary County and the region with electric or utility bills, find free groceries from pantries, or locate free medical or dental care clinics. Get financial help near you for bills in Wayne, Taylor, McCreary, Russel or Pulaski County KY below.

Free items are also offered for low-income and or struggling families Learn where to apply for help in Wayne or Pulaski County for free transportation to work, job training, furniture or gas cards among other social services in the entire region.

Resources from Community Action paying bills, rent, and emergency expenses

The leading non-profit agency to call in this area is the Lake Cumberland Community Action Agency, Inc. They offer programs, social services, and information on financial assistance programs across this entire region of Kentucky. They are located in Jamestown KI and can be reached at (270) 343-4600.

  • Receive self-sufficiency from the Community Services Block Grant. This program is able to assist the elderly poor, disabled, and low income. Work with a case manager to identify and solve problems that block the achievement of self-sufficiency, provide information on social services, and locate programs that can help pay for basic needs such as energy bills and rent.
  • Early Head Start is paid for by the federal government, and is a community based low income program for expectant women and families with toddlers or infants. It will enhance the development of very young children by providing education and health care, and also promote healthy prenatal outcomes for expectant women. Other services can assist expectant families with accessing comprehensive postpartum and prenatal medical care, and increase a help assist a child’s social, emotional, health care, and intellectual development.
  • LIHEAP can help pay energy costs and utility bills. The Crisis Component runs from January to March. However the money can run out at any time, so apply for the Kentucky LIHEAP program early. The residents of Taylor or Wayne County (or surrounding areas) must be on the verge of running out of fuel in order to be able to qualify as a crisis. Additional cash grants may be provided for paying cooling bills during the summer. Funds from LIHEAP pay the bills when someone is faced with disconnection.




    • The second resource is the Low income energy assistance program (LIHEAP) Subsidy Component. This begins in November. This differs from above in that applicants do not have to be out of fuel or receive a notice of disconnection to qualify for grants. The amount of money provided for utility bills is based on the applicant’s income and number of family members.
  • Educational Scholarship Program is administered by Lake Cumberland Community Action Agency. This program will assist low-income individuals in the pursuit of post-secondary educational goals, such as a bachelors or masters degree. Funds from the scholarship may be used to pay for tuition, books, transportation, meals, child-care, supplies, and other necessary items. Stipends are awarded to eligible individuals to help them pay for and address their educational pursuits, including the all so important college degree.
  • Emergency Services is the main name of resources offered to Pulaski and Wayne County families. Other residents from neighboring areas may also qualify. It can help address the needs of people in a crisis, such as a job loss or medical emergency.
  • Housing Services – Get assistance with finding and paying for housing or apartments, including details on HUD section 8. Some limited funds for rent may be offered. Click here to locate information on the housing authority. Or locate section 8 housing for rent in Kentucky.
  • Self-Sufficiency will help people budget, improve credit scores, reduce debts, and otherwise help them better use their current resources and income. Other services may include job finding and training.
  • Community Participation will refer individuals to other local churches and non-profits across the region, including in McCreary County Kentucky. Get referrals to financial assistance for expenses such as rent and energy bills. Find where to go if you need help with rent.
  • Migrant Head Start is also offered by Lake Cumberland Community Action Agency. This program is similar to the one indicated above, however it serves children and infants of migrant families in a culturally appropriate learning environment. This program is limited in scope, and it provides a seasonal, full-day center-based program. Some of what this migrant Head Start program involves includes education, free dental and health care, nutrition, and more. Parents can also access social services and employment programs.





  • Lake Cumberland Community Action Agency runs the weatherization program. This focuses on the handicapped, elderly, and low income families with children. Those that need assistance with keeping their homes warm in the winter, cool in the summer, and who want to become more energy efficient may benefit from this energy bill conservation program. More on the weatherization program for seniors.
    • Weatherization services offered in Pulaski County Kentucky region may include insulation, infiltration measures, repair of doors and windows, and caulking. A contractor will provide an inspection of the home and the testing of heating and cooling systems which will help guide and determine what type of improvements will be made to the home.
  • The Kentucky Utilities Home Energy Assistance Program (KU/HEA) can provide a monthly credit on someone’s electric bills. The credits can be applied to the hot summer months as well as during the winter, and help people deal with the seasonal spikes in their heating and cooling bills. The credit provides to qualified customers will usually be about $40 per month. More on utility bill help for the low income in KY.
  • Emergency Food and Shelter Program is administered by the Lake Cumberland Community Action Agency in partnership with non-profits, churches, and charities across McCreary, Taylor, and neighboring counties. This government program supplements and expands the work of local social service agencies and non-profits in an effort to help people with economic and financial emergencies or hardships.
    • Grants from the program can be used to pay for paying for food or shelter. For example, receive cash assistance for paying rent, utility bills, or even a mortgage. Local Boards from the non-profits and government agencies are convened to determine the best use of the emergency food and shelter funds, and they distribute the money to those who are qualified.
    • Many Community Action Agencies across Kentucky, including Lake Cumberland, operate Wintercare. This is a statewide energy and heating bill assistance fund to pay electric bills and re-connection fees and deposits. It works and is paid for by donations from the greater community.

As noted, the community action agency is the main agency in the region. They help families who are in a financial hardship and also offer free job placement, income producing opportunities and employment services. The Lake Cumberland Community Action is at 23 Industry Dr, Jamestown, KY 42629. Dial  (270) 343-4600.

Additional financial assistance programs

The phone number for other resources and needs are below. They will provide low-income families with free food or groceries. Or immediate help help for bills or Internet connections for students or job seekers. A wide variety of programs are offered.

A local Food Pantry can be reached at 606-679-8560. The low income and hungry can receive free meals, groceries, and surplus foodstuffs. The charity is known as God’s Pantry, and it can give free baby formula, canned groceries and more from 119 S Central Ave, Somerset, KY 42501.

Pulaski Emergency Relief Ministry (PERM) – Phone 606-678-8153. This is a general assistance non-profit. A few dollars for a light bill or housing. The address is 118 Southport Dr, Somerset, KY 42501.

The Christian Care Center, P.O. Box 363, Whitley City, Kentucky 42653 is another charity for food or free hygiene or personal stuff. Dial (606) 376-8742. The location is 76 Medical Ln, Whitley City, KY 42653. The charity can also be able to provide medical care or referrals to specialists and hospitals.





Bethesda Clinic may be able to offer free medical bill assistance and health care for the uninsured and/or low income. Get extractions, free health care for women’s needs, medications, substance abuse services and other assistance. The address is 2685 W Highway 80, Somerset, KY 42503. Dial (606) 679-8053.

Pulaski County KY Salvation Army covers the region. There is a free food pantry as well as soup kitchen for meals or groceries, including Thanksgiving and Christmas meals. Or get back to school supplies for kids, a homeless shelters, and motel or hotel vouchers. Substance abuse service, financial help for electric bills or rent and other aid is offered too. The location is 1056 S Highway 27, Somerset, KY 42501. Call (606) 679-2001. Or more on Salvation Army near you in KY.

McCreary County Health Department is located at 119 Medical Lane, Whitley City, Kentucky 42653. Dial (606) 376-2412 for information on government health insurance and medical care. There is help for people on Medicaid, the homeless that need medical care, immunizations. STD checks and other programs.

Kentucky Heartland Outreach – Home repair and renovation programs are offered for low income and disadvantaged elderly and senior citizens. Offers gasoline or hotel/motel vouchers and accommodations for transient clients who are more than 50 miles away from home The address is 543 Blue Hole Road, Campbellsville, Kentucky, dial (270) 469-4949.


Related Content From

By Jon McNamara














Contact Us

About Us

Financial Literacy Blog

Privacy policy

Visit Facebook page

Search Site