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Assistance programs Monmouth County.

Find information on many churches, and government assistance programs that provide financial help with rent or utility/electric bills, foreclosure prevention services, referrals, and many more forms of support in Monmouth County. There are also places for free stuff, ranging from back to school supplies to furniture, Christmas toys or food from pantries.

Both government grants, charities, and loan programs are offered. Emergency funds may also help pay for a security deposit or mortgage payment. There are also places for free Christmas gifts, employment and job training programs even including opportunities for free money and so much more.

Housing help, including rent, foreclosure assistance, and energy bills

The Affordable Housing Alliance (AHA) (732-389-2958) is a nonprofit organization that has as its primary goal the agenda of doing whatever it can to provide housing assistance programs, develop affordable housing, and offer services such as foreclosure counseling. There is also a first-time home buyer assistance program, rental and energy bill assistance, eviction prevention and more for residents of Middlesex, Monmouth, and Ocean counties.

Clients can find below more information on some of the programs they offer. However, you should contact the Affordable Housing Alliance to learn more about these programs, and others that they have, or to apply.

  • Mortgage and foreclosure assistance is part of what the agency provides. AHA will assist families who need to find assistance in obtaining a workout solution with their bank, lender, or current mortgage holder. The goal is to reduce their monthly mortgage payments and stop a foreclosure filing.
    As with any program there are limited resources, so they will prioritize client intervention based on those clients who are in the foreclosure process and help those most in need. If you are someone who is facing an imminent foreclosure emergency, contact the Affordable Housing Alliance to see what they can offer you. Find additional ways to get mortgage assistance.
  • The Affordable Housing Alliance will also help families with the application process for heating or utility bill help. This is done so that low income households can receive assistance with paying their heating, gas, electric, propane, and oil bills. The AHA organization is also an authorized NJ SHARES Intake site, which means they will assist those people with moderate household incomes by providing a one-time hardship assistance payment per calendar year.
  • In addition, AHA also manages a Low Income Home Energy Assistance Program (LIHEAP) which will assist low to moderate income households, particularly those people who have the lowest incomes that pay a high proportion of household income for their heating and or home energy bills. They do what they can to help the with meeting their one-time or monthly home energy or heating needs, depending on household eligibility and income. Even learn about such programs as a free heating oil program.




  • The Affordable Housing Alliance has been administering this federal government funded program. The AHA non-profit agency has been facilitating funding through the long-running federal government Low Income Home Energy Assistance Program (LIHEAP) to Monmouth County residents. They have helped thousands of people who are in need of financial aid with paying their utility bills.
    The LIHEAP program will help qualified families pay for their home heating bills, cooling and other energy costs, as well as helping them weatherize homes. Individuals in Eatontown and Monmouth County are eligible for LIHEAP up to 225 percent of the poverty level in New Jersey.
    The amount of the grant that is provided after qualifying for LIHEAP is determined on a case-by-case basis. It depends on the your total family income and number of people in your household. There is no one set answer to the amount of aid that is provided.
  • New home buyers in Monmouth County can get (1) assistance as well as (2) free advice. Yet another program is available, and that is an educational workshop and one-on-one counseling for potential first-time home buyers. They also have details on section 8 vouchers for buying a house.
  • Referrals to government or charity resources are offered as well. If AHA can’t help families in their particular situation, they also partner with other nonprofit community organizations and charities to develop housing options. This includes financial assistance plans, they help revitalize neighborhoods and ultimately, strengthen the state, nation, and the family’s finances.
    They can refer clients to these agencies, and these partners they work with can include Catholic Charities, Asbury Park’s STARS, NAACP, Manna House, Ladacin, Interfaith Neighbors, and the Mental Health Association. As an example, even find free job training programs in New Jersey.

They are located at 59 Broad St. Eatontown, NJ. The Affordable Housing Alliance (AHA) phone number is 732-389-2958.





Emergency financial assistance for bills and expenses in Monmouth County

Catholic Charities, Diocese of Trenton, is an organization that has as its mission the goal of improving the quality of life of families and individuals, especially the low income, poor and venerable. They can offer rental assistance, utility and heating bill help, clothing assistance, food pantry and more. Also they offer aid through providing information, service, advocacy and community building to people in need. (973) 279-7100 Ext. 20, or stop by their Middletown location.

Another agency to contact for referrals and information is Project Paul. The goal is to serve low income and working poor people in need, especially the low income and poor, who live in the towns of the Bayshore area of Monmouth County New Jersey.

Interfaith Neighbors - Monmouth County, which is located in Asbury Park New Jersey and can be reached at (732) 775 - 0525, operates a rental assistance program for working poor families in Monmouth County. Or get free meals in a home or a congregate setting. Programs are offered for seniors, the poor, and homeless, and the charity will do what it can to help the less fortunate.

Asbury Park based Mercy Center will assist qualified clients from the emergency food pantry that is available to residents of Ocean County.  Clients are referred to the pantry by other social service agencies in the area.

Project Paul ((732) 787 - 4887) is a non-profit agency that runs numerous programs. They provide food, assists with rent and utilities to qualified families, run a thrift shop, provide clothing, and more. Learn more on Project Paul assistance programs.

CAS of Freehold focuses on low income residents, including those of Spanish background. They offer free legal aid and review of documents as well as career counseling or job placement services. Other programs include Homeless Prevention, which may have grants for paying first month's rent, security deposits, or back rent. They also provide transportation to seniors, applications to food stamps, and other aid. Address is 12 Throckmorton St, Freehold, NJ, 07728, or dial (732) 431 – 6977.

Community Hope runs the Supportive Services for Veteran Families, or SSVF. Dial (211) for intake. The funds can help service members or families pay heating and utility bills, as well as housing costs such as rent or even a mortgage payment. Many other resources are part of SSVF as well, including free medical care in Monmouth County, child care vouchers, and loans for a number of bills or rental expenses. Also, get help in applying for VA benefits.

Housing and rental assistance - Whether someone needs emergency funds for paying rent to stop an eviction or if help is needed in the form of shelter or transitional housing, there are organizations that focus on offering financial aid for this expense. Read Monmouth County rent assistance.

Salvation Army offers short-term, non-permanent emergency financial assistance, including free food, utility and rental assistance. Depending on resources, the Monmouth County Christian charity may also have funds for first months rent to families, individuals, and groups unable to provide such services for themselves. The Salvation Army also is a participant in NJ Shares energy bill assistance program.





The non-profit can also provide help to seniors in Monmouth County as well as a wide variety of free food, Christmas toys and holiday assistance programs. A free back to school supply item and uniform program is run annually too. They have locations in Asbury Park as well as other towns. Phone (973) 539 - 2700. Or click here for more details on Salvation Army Monmouth County.

Checkmate – Offers comprehensive social services to the low income. Services include housing counseling, employment and job finding, case management services, weatherization, home energy assistance, and medical support. In addition apply for emergency financial assistance for paying your mortgage, rent, and utility and heating bill payments through federal and state government funding and grants. 910 4th Hwy, Asbury Park, New Jersey, 07712, (732) 774 - 3100

Community Outreach Group – A resource known as the Emergency Action Fund is a fund that gives one-time cash assistance and grants to qualified people in need of emergency help. The funds can be used for paying medical bills, for utilities, rent, or transportation expenses. The following town are served in Monmouth County; Aberdeen, Atlantic Highlands, Belford, Cliffwood, Hazlet, Highlands, Holmdel, Keansburg, Keyport, Leonardo, Lincroft, Matawan, Middletown, Port Monmouth, Union Beach. 96 King's Hwy, Middletown, New Jersey, 07748, (732) 671 - 8775

About 10 to 15% of the population gets disabled from time to time, either on a short or long term basis. There are disability assistance programs as well as free advice in applying for SSI or SSDI. Both the government and non-profits help, including lawyers. As an example, find resources that coordinate dguidance in applying for disability payments.

Jewish Family & Children's Service of Monmouth County – Funds for utilities and a thrift shop is open. Helps people regardless of religion. 705 Summerfield Ave, Asbury Park, New Jersey, 07712, (732) 774 - 6886

The thrift shop has a variety of resources, including clothes, sneakers, furniture, free backpacks or school supplies, winter gear and more. It depends on donation levels. Some very low income families may also be given assistance, including referrals to free furniture banks near them.

Middletown Helps Its Own – Offers low income assistance programs. Port Monmouth, NJ, 07758, call (732) 787 - 3604

St. Benedict Pantry Social Ministry Office – Food, clothing, and limited amounts of financial help for bills, housing, and other expenses. 165 Bethany Rd, Holmdel, New Jersey, 07733, call (732) 264 - 4713

Churches, including Nativity Parish and St. Vincent - Several local churches have joined together in order to provide basic needs to low income families. While they rely heavily on donations and volunteers (so resources are limited) there are an extensive number of services that may be available. Cash assistance can be available for housing needs, such as rent or heating bills. Special holiday programs are offered for children and seniors, and it can include free toys or meals. Other resources including clothing or food. Read Monmouth County basic needs.

Center In Asbury Park can provide assistance to HIV/AIDs patients in Monmouth County. Resources are also available for their family, friends, and caregivers. The non-profit may provide rental, pharmaceutical and utility subsidies for shelter and basic health needs. Transportation may be provided for a doctor appointment or to the grocery store. 806 3rd Ave, Asbury Park City, (732) 774 - 3416.

Community Affairs and Resource Center (CARC) administers several assistance programs for the poor and low income. Some examples are as follows. Get assistance with employment placement and training. Apply for financial assistance for paying rent and energy bills. Education services include English as a Second Language classes, Translation and interpreting services, and Youth programs. Other resources include immigration consultation, case management, and referral to other nearby agencies as needed. Address is 913 Sewall Ave, Asbury Park NJ, (732) 774 - 3282.







Free basic needs, including free clothes or furniture - Low to moderate income Monmouth County families can receive assistance from non-profit and charity clothing closets as well as furniture banks. The locations offer a wide range of services. This can include vouchers, free clothing, Christmas gifts and toys, and back to school supplies or furniture for a home. Some have referrals to emergency financial assistance programs as well. Click details free clothes, furniture and school supplies Monmouth County.

Monmouth County Department of Human Services runs several social services and government assistance programs. Among them include SNAP food stamps and the New Jersey SHARES utility program. The H2O Help to Others Program can assist with water bills. The poor can also explore resources such as Medicaid or welfare/TANF. Social workers can help direct clients to the appropriate resources.  Locations are 3000 Kozloski Rd, Freehold NJ as well as 2405 Route 66, Ocean, NJ, 07712. Dial (732) 431 - 6000, or more details on Monmouth County public assistance.

Applications for utility and heating assistance, including New Jersey SHARES, are processed by the locations below. The churches and charities may also be able to direct Monmouth County low income families to other resources, including food pantries, shelters, or regional clothing closets. Many local churches are always a great place to go to for help when facing a crisis.

  • First Pentecostal Church, 144 Oxonia Ave, Neptune New Jersey, call (732) 775 - 7789.
  • First United Methodist Church of Asbury Park, 906 Grand Ave, Asbury Park NJ, telephone (732) 775 - 2693
  • McLaughlin Pentecostal Faith Church is located at 148 Cp Williams Pl, Long Branch NJ. Call (732) 337 - 9532 for intake.

Monmouth County resources and assistance programs that are offered statewide

Get information on emergency financial assistance programs may also be able to help people and families across all of New Jersey, including Monmouth County and Freehold.

National programs also help struggling Monmouth County as well as state of New Jersey residents. A wide range of social services, government grants, and even charities offer support. As an example, find a St. Vincent de Paul near you for financial help, counseling, and even job programs.

Homeless services

Family Promise is a non-profit organization that provides food, shelter, counseling and comprehensive services and assistance to homeless families in Monmouth County and Middletown, while advocating innovative solutions to chronic homelessness and trying prevention. 732-495-1050.





Food pantry, free groceries, meals and food aid

Low income and hungry people may be able to receive free food and hunger prevention aid from the FoodBank of Monmouth County New Jersey. The primary mission of the FoodBank is to feed as many low income and hungry people as possible throughout the area. They accomplish this by collecting and distributing donated and surplus food and groceries to charities and non-profits in the area that are serving the immediate needs of families and individuals. They also offer programs that address the long-term causes of hunger. Phone 732-918-2600.

St. Augustine’s Soup Kitchen, Atlantic and Prospect Ave., Asbury Park, 07712, 732-774-3069. Offers meals and food to those in a crisis.

Eatontown Food Co-op Pantry, which is located in Eaton New Jersey ((732) 542 - 0882) provides free food and pantries.

A couple dozen other pantries operate in the area. There are also free soup kitchens and USDA benefits such as SNAP food stamps. Find moire free food pantries in Monmouth County New Jersey.

Non-profit legal advice

If you have a civic case, contact Ocean-Monmouth Legal Services, Inc. The firm is a non-profit organization that handles civil matters for people on a limited, fixed, or low incomes and the client must also live in Monmouth and Ocean Counties New Jersey. The firm has two offices in Monmouth County and two locations in Ocean County New Jersey.

Foreclosure prevention advice and debt reduction services

Contact the local non-profit, Novadebt at 1-800-99-BILLS. They offer a host of financial programs, including these listed below.

  • Foreclosure assistance -The agency is a HUD (Housing and Urban Development) approved Housing Counseling agency. They provide pre-purchase, mortgage and default counseling, foreclosure assistance and even Home Equity Conversion mortgage counseling. Work one on one with a housing counselor to explore alternative to a foreclosure filing. Read more on New Jersey mortgage programs.
  • Credit card and medical debts - Receive advice and assistance, including access to a low cost Debt Management Plan. The counselor will explore all programs and services you can use to reduce your debts.
  • Bankruptcy, budgeting, and other financial assistance and counseling is also offered.

Free health care

Parker Family Health Center provides free medical and health care to low-income, uninsured Monmouth County residents.

Another clinic to contact is Providence Medical Center. The goal of this facility is to improve the quality of life for uninsured and the under served low income and working-poor families in Monmouth County by providing access to free medical care. They also offer support for basic dental care, including cleanings and free exams for kids or adults.

Additional free or low cost health care is arranged. As many families struggle with paying their medical bills, hospital costs, or getting prescription drugs. The government can help too. As one example, free health insurance policies are on the market.





Debt, credit, and foreclosure counseling

There is a regional non-profit that helps low to moderate income Monmouth County families. See below. In addition to that agency, other debt, credit, and money management services are offered. As a big example, find how debt consolidation loans work to consolidate bills.

Consumer Credit Counseling of NJ offers assistance and counseling including Pre-Filing Bankruptcy Advice & Pre-Discharge Bankruptcy Programs. The non-profit also offers free Foreclosure and Housing Counseling & Reverse Mortgage Assistance as well as help with car loan payments. There is also help around Mortgage Default Advice & Delinquency, Pre-purchase & rental counseling. Phone (888) 726 - 3260.


By Jon McNamara

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