Michigan Financial Assistance Programs.

Locate help and assistance in all Michigan cities and counties listed below, including Detroit and Grand Rapids. Also, in addition to the state government assistance programs below, you can also find organizations and charities in Michigan that can provide you with help paying a variety of bills. Rental assistance, food, and medical care can all be provided.

The Michigan Department of Human Resources offers many resources including the following assistance programs. Or local non-profits offer support too.

Elder Prescription Insurance Program (EPIC)
A prescription drug medication assistance program for seniors living in Michigan. The plan provides year-round prescription coverage that can help with medical bills. Find additional ways to get help with medical bills and prescription drugs from EPIC. 866-747-5844

This government assistance program will aid low income families by providing health insurance coverage to children living in the state of Michigan. There is a very small monthly premium of $5 per month with no co-pays and no deductibles. 517-373-3740

Family Independence Program (FIP)
The main goal of the FIP program is to help families become independent and self-supporting. FIP is temporary cash assistance for struggling or lower income families with pregnant women or minor children. The government assistance helps these families pay for living expenses such as heat, rent, food, utilities, clothing, and personal care items.





In addition, FIP applicants and recipients may be assigned to the Jobs, Education and Training (JET) program for assistance in finding a job or ways to develop needed job skills. Help with childcare, transportation, and other needs related to training and employment may be provided. Apply at your local Department of Human Services office.

Mortgage Help and Foreclosure Assistance
Michigan provides various programs that will assist families with paying their mortgage and also help those who need assistance avoid foreclosure. Learn about local moratoriums, counseling services, and other solution. Read more on mortgage assistance in Michigan.

In addition, they have created a foreclosure mediation process that help bring lenders and homeowners to the table to review solutions. Click here to read more on foreclosure mediation services.

Non-profit, HUD certified housing counselors can also guide homeowners through a wide variety of assistance programs and solutions to any mortgage delinquencies. Learn more on Michigan HUD foreclosure counseling.

Food Assistance Program (FAP) Group
Eligibility for the Food Assistance Program will depend on the financial situation of all members of the household. All persons who live in the household and purchase and prepare food together will be considered to be members of the same FAP group that applies. 517-373-3740

Debt, Foreclosure, and Credit Counseling Organizations
Michigan is served by several government certified free non-profit counseling organizations. They can help residents deal with unpaid debts, offer assistance for home loans, and other financial aid. Click here free credit counseling in Michigan.





Utility and Heating Disconnection Rules
Low income families, seniors, and the working poor in Michigan have rights and laws that protect them when their power or heat is threatened. The government has consumer protections. More on utility disconnection prevention laws.

Free Child Care
For many families in Michigan and elsewhere, the cost of quality, safe, affordable child care is a major strain on the family budget. DHS' Child Development and Care Program may provide financial aid and payments for daycare services for qualifying families. This can be offered when the legal guardian, parent, or substitute parent is unavailable to provide the child care. 1-866-540-0008, or more Michigan free child care assistance.

PeopleCare Program
The Michigan Salvation Army and the utility company Consumers Energy have partnered together to offer this program to individuals and families across the state of Michigan. The assistance program can provide people with energy bill assistance, food, medical aid, and more. Read more on PeopleCare.

Home Repairs
SER assists residents with home repairs that will correct unsafe conditions and also restore essential services. Eligible home repairs may include the replacement or repair of hot water heaters, a nonfunctioning furnace, or a septic systems. In addition to this, there are also non-energy repairs available. This will generally include all home repairs with the exception of furnace repair or replacement. (This will include hot water heaters as well as septic systems for client-owned housing.) Read more on free government home repair programs.

Cash Assistance and Social Services
The states human services organization can direct low income families and individuals to government financial assistance programs and other aid. Get help with a variety of needs, such as energy bills, food, child care costs, and medical bills. More Michigan public assistance programs.

Housing, Rent, and Security Deposits
The state and their social service organization offers a number of housing programs to the low income. Receive help paying for deposits, rent, and moving expenses. Michigan wants to ensure people retain or find affordable and safe housing. Click here housing and rent help in Michigan.

Legal Assistance
There are several non-profit law firms located in Michigan that provide free civil legal assistance and consultations to low-income people. Read more on free legal aid from Michigan lawyers.




Home Ownership Services
Home Ownership Services can help prevent loss of a home by providing services such as:

  • Grants for the payment of property taxes and fees. Get details on other sources of financial help for property taxes.
  • House payments (which can include mortgage or land contract payments), including principal, interest, legal fees and escrow for taxes and insurance.
  • Mobile home lot rent for owners or purchasers of mobile homes.
  • Home insurance coverage that is required by a mortgage or land contract.
  • Contact your local DHS County office and ask for this housing program.

Emergency Crisis Assistance and Case Management
Many Michigan families receive help from the Salvation Army. Dozens of branches are located across the state. The centers can provide limited amounts of help for paying electric bills, food, clothing, emergency rent help, and referrals. Learn more Michigan Salvation Army.

Health Care Coverage
Michigan offers numerous government health care programs that are available to families, children, and adults who meet certain eligibility requirements. The goal of these various health and medical care programs is to ensure that essential services are made available to those who need it and who otherwise would not have the financial resources to purchase care on their own or to pay for medical bills.

Eviction and Homeless Prevention in Michigan
Federal funding from the Continuum of Care is offered by non-profits. The program can provide emergency rent help, transitional housing, funds to the homeless for paying security deposits, and free legal aid to prevent an eviction. Other low income housing resources are offered too. Read Michigan eviction prevention.

Utility and Energy Company Programs
In addition to financial assistance that you can find in your county using the resources below, people who need help can turn to the energy companies themselves. They may have grants, payment plans, and other financial support for seniors and the low income. More on Michigan utility bill assistance.

Seniors, Older Adults, and Elderly Programs
The state of Michigan Office of Services to the Aging coordinates a number of assistance programs and services for older adults. Your local Agency on Aging centers can provide meals, advice, referrals, information on health and medical programs, and more. Click here Michigan Agency on Aging.

Michigan Free Health Care
Find a listing of community clinics in Michigan that provide free medical, health, and/or dental care. People with low income, or who do not have insurance, can be helped by these clinics. Click here for details on free clinics in Michigan.





Many centers in Michigan focus just on offering dental services to qualified individuals and families. Read more on how to get assistance for your dental needs. As there are Michigan free dental clinics.

Medical care is offered for residents who lack health insurance coverage. Several government programs and non-profits in Michigan offer prescription medications, treatment for pre-existing conditions, check ups and much more. Read Michigan uninsured health care programs.

Disability Assistance
Benefits are provided to disabled Michigan residents. Programs range from medical care, financial aid for paying bills , meals, government home care, and respite for caregivers. The services are wide ranging and can also help the person’s family. Get more information and also learn how to apply for disability. Click here for disability benefits in Michigan.

Michigan Housing Vouchers for Rent
Public Housing Authorities offer resources such as HUD section 8 for low income families. Additional housing programs are available for households with special needs or an elderly, income qualified member. Click here Section 8 vouchers in Michigan.


Job Programs, Government Grants, and Educational Services
Dozens of community action agencies operate in the state. Case managers can provide numerous services, including job training, applications for government grants to pay bills, food, senior services and Head Start. Click more details community action agencies in Michigan.

Another place to turn to for help finding a job or gaining a new skill or career are the government funded Michigan Works! centers. These locations offer a number of employment services to those in need. Learn more on free job training in Michigan.

Free Food Distribution Centers and Banks
In addition to the various agencies and non-profits that exist in your county below, find more information on food banks as well as pantries that are located across Michigan. Read more on free food banks and pantries in Michigan.

State Emergency Relief
The Michigan Department of Human Services created a resource known as SER. Cash assistance can pay bills, housing, rent, mortgage, and other expenses. The program also partners with local non-profits. Find more on emergency assistance.

Assistance From Michigan Cities and Counties

Alcona County (Harrisville)

Allegan County

Alpena County

Antrim County (Bellaire)

Arenac County (Standish)

Baraga County (L'Anse)

Barry County (Hastings)

Bay County (Bay City)





Berrien County (St. Joseph)

Calhoun County (Marshall)

Charlevoix County

Cheboygan County

Chippewa County (Sault Sainte Marie)

Clare County (Harrison)

Clinton County (Saint Johns)

Crawford County (Grayling)

Delta County (Escanaba)

Dickinson County (Iron Mountain)

Eaton County (Charlotte)

Emmet County (Petoskey)

Genesee County (Flint)

Gladwin County

Grand Traverse County (Traverse City)

Gratiot County (Ithaca)

Hillsdale County

Houghton County

Huron County (Bad Axe)

Ingham County (Lansing)

Ionia County

Iosco County (Tawas City)

Iron County (Crystal Falls)

Isabella County (Mount Pleasant)

Jackson County

Kalamazoo County

Kalkaska County






Kent County (Grand Rapids)

Keweenaw County (Eagle River)

Lake County (Baldwin)

Lapeer County

Leelanau County (Leland)

Lenawee County (Adrian)

Livingston County (Howell)

Luce County (Newberry)

Mackinac County (Saint Ignace)

Macomb County

Manistee County

Marquette County

Mason County (Ludington)

Mecosta County (Big Rapids)

Midland County

Missaukee County (Lake City)

Monroe County

Montcalm County (Stanton)

Muskegon County

Newaygo County (White Cloud)

Oakland County (Pontiac)

Osceola County (Reed City)

Ottawa County (Grand Haven)

Roscommon County

Saginaw County

Sanilac County (Sandusky)

Shiawassee County (Corunna)





St. Clair County (Port Huron)

St. Joseph County (Centreville)

Tuscola County (Caro)

Van Buren County (Paw Paw)

Washtenaw County (Ann Arbor)

Wayne County (Detroit)

Wexford County (Cadillac)

Assistance With Paying Utility and Heating Bills

Michigan Low Income Home Energy Assistance Program (LIHEAP)
The LIHEAP program is federal money that is given to each state to assist low-income families who need to with paying energy bills. In Michigan, the government assistance program funded LIHEAP grant is used for the following programs:

  • Home Heating Credit (HHC) was created to help lower income families living in Michigan with the cost of heating bills.
  • State Emergency Relief (SER) is a crisis intervention program that provides various services such as a direct payment for electricity, heating fuel, and home repairs.
  • Weatherization Assistance Program (WAP) Michigan's Weatherization Assistance Program (WAP) is a federal program that provides low-income residential energy conservation. The program offers many services and will provide free home energy conservation services to low-income Michigan homeowners as well as renters. These services provided will help reduce energy use and lower utility and heating bills, thus creating more self-sufficient households. Examples of the aid provided from this program include wall insulation, attic insulation and improved ventilation.
  • Continue with how to get LIHEAP in Michigan.

Salvation Army
Over 100 locations of the Salvation Army offer utility and heating bill assistance throughout Michigan. It is a crisis assistance program. Read more on Salvation Army utility assistance.

Citizens Oil Heat Program
Citizens Energy, working with numerous heating oil dealers and fuel assistance agencies across Michigan, delivers free heating oil to families in need. Citizens also cooperates with oil heat dealers in over 15 states to provide deliveries of free home heating oil to those in Michigan who need help paying heating bills. More details on heating oil for free.

Home Heating Bill Credit
A state government tax credit that is available to assist lower income and struggling families living in Michigan with the cost of heating bills. The tax credit is based on total household income, the number of exemptions claimed by the homeowner, and the home total heating costs.

Winter Protection Plan
This plan protects low-income customers and seniors from natural gas or electric service shutoff, and also protects them from high utility and heating bill payments between December 1 and March 31.





The Winter Protection assistance program will allow eligible customers to make monthly payments of at least 7 percent of their estimated annual utility or heating bill, along with a agreed upon portion of any past-due amount, December through March, and they will avoid shutoff during that timeframe even if their bills are higher.

State Emergency Relief (SER)
The SER program provides limited help to customers and residents who have a limited income and who have an emergency that threatens their health or safety.


By Jon McNamara

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