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Financial assistance programs New Jersey.

Get grant money and financial assistance in all New Jersey counties and cities listed below, including Newark as well as Jersey City. Find help with paying utility bills, a mortgage or rent payment, transportation costs or find free gasoline cards. Or access free medical care, food or groceries, and get debt relief. Apply at state run government assistance programs or charities. Get financial help near you in NJ.

The non-profits and government agencies in NJ combine the emergency financial help (listed below) along with free stuff for low-income families. Struggling households may be given clothes for work, free bus tickets or transit passes, money to pay a car payment or daycare vouchers for work. There are also low-income housing units or apartments with no waiting list as well as other social services below.

Find grant money to help pay bills, housing or free stuff in NJ for struggling families

Housing, Rent Assistance, and Homeless Prevention - Charities as well as a state run organization offers emergency rental assistance, money for security deposits, shelter, motel vouchers, and housing counseling in partnerships with local charities. This helps tenants as well as homeowners. Find a listing of New Jersey rent assistance programs.

  • New Jersey Community Affairs - Housing Devision  - This is an government agency that offers low-cost homes or apartments. There is also a rental assistance program offered by New Jersey for low-income families, individuals, single mom, immigrants or households. Assistance is offered in the form of housing vouchers or grants. Call 609-292-4080 to reach DCA, or find free housing assistance.
  • Low cost apartments - Private landlords, and government agencies, offer immediate, no waiting list housing as well as apartments for low-income families, veterans, and single moms. The rent payment is flexible and application process is expedited. More on apartments with no waiting list for low income.




Work First New Jersey (WFNJ) - This is New Jersey public assistance grant program that offers cash benefits. It was created to help families move to self-sufficiency by offering families, single parents and individuals a full array of support, from health insurance, child care, and transportation, up to substance abuse treatment. There is also emergency cash assistance in NJ to pay their bills for the short term. Recipients who need the help will face a five-year lifetime limit on cash assistance, and they also must become employed or take part in work activities. Phone 1-800-792-9773.

Social Services and Government Cash Assistance - New Jersey offers low income residents access to a number of  assistance programs. Find where to get free food, cash, health care, financial assistance for child care, SNAP food stamps and much more. More on New Jersey public assistance.

Salvation Army Case Management in New Jersey and Charity Assistance - One of the leading charity organizations, the Salvation Army, can provide limited amounts of financial assistance for living expenses. Programs can pay for housing, medications, electric bills, food, Christmas toys, gasoline for a car and more. Also get advice and referrals from a case manager. Learn more on New Jersey Salvation Army.

New Jersey Free Food Banks and Distribution Centers - Individuals and families who need help across the state can turn to non-profit food banks as well as emergency pantries. These centers and organizations can provide free food, groceries, meals and other resources to those who need help. More on New Jersey free food banks.

Section 8 Rental Assistance Vouchers - A key program in New Jersey for low income families is available as part of the section 8 HUD housing organization. Rent subsidies as well as apartments are offered. There are additional housing resources for the disabled as well as senior citizens. Read more New Jersey housing vouchers.

Government Disability Assistance Programs - Individuals in New Jersey, as well as their families, can access resources that are specifically for the disabled. The state provides health care, limited financial assistance for medical bills and heating bills, home care, SSI applications as well as other support. Organizations will also help individuals apply for SSDI or federal government disability benefits and compensation. Continue with disability benefits in New Jersey.





Cash Assistance in a Crisis - Low income families with children, seniors, the working poor, and other disadvantaged families may be able to receive help for paying bills, rent, and other expenses. The Human Services Department runs a program that offers help in a crisis. More on New Jersey emergency assistance.

Legal Assistance and Lawyers in NJ - Find resources that provide free legal assistance as well as advice in New Jersey. Lawyers offer free advice, representation and guidance. Federal government grants fund the programs. Click here free legal aid in New Jersey.

Eviction Assistance and Government Programs for the Homeless - New Jersey uses Housing and Urban Development grants to fund programs such as emergency rental assistance, transitional housing, and programs that can help pay security deposits on low income housing or apartments, including to people with a past eviction. Non-profits focus on helping struggling families facing eviction and also rehousing the homeless. More on eviction prevention in New Jersey.

New Jersey Senior Programs - The organization to call is the Aging & Disability Resource Connection. They operate a number of offices across the state, and can provide various forms of assistance or advice. There is government aid, grants, free stuff and support to senior citizens and the elderly. More New Jersey senior citizen assistance.

Telephone Assistance - Home and Cell Phone - Lifeline is available to low income families in New Jersey. It provides savings on both a monthly phone bill and the installation cost. There are also discounts for residents that collect SSI, food stamps, EBT cards and other government benefits. Or get a free smatphone. More on Lifeline in New Jersey.

Senior Freeze Property Tax Relief - Receive property tax assistance, including rebates, from the Senior Freeze program. Eligible seniors, retirees as well as disabled residents will receive reimbursement for the difference between their local property taxes that were paid the first year they enrolled in the tax assistance program and what their current real estate tax bill is. Call 1-800-882-6597 for information on this and other options. Find more details on financial help paying property taxes.

Help for Utility and Heating Bills - Find a comprehensive listing of the programs that are offered by utility companies in New Jersey that can help customers pay their bills. There are payment plans, rebates, disconnection help, free energy audits and other services. Read more on New Jersey utility bill help.




Day and Free Child Care Subsidy Program - Parents that are working or that are attending school or job training may receive government assistance from New Jersey in paying for their child care expenses. A partial payment, or subsidy, can be provided to qualified low income families or single mothers. Read New Jersey free child care assistance programs.

Home Energy Assistance Program - This will help very low-income residents with paying their heating and also cooling bills. Grants and government money is used from HEAP. The program also makes provisions for emergency fuel assistance and heating system repair services within the Home Energy Assistance Program. Free Government Weatherization Assistance, New Jersey Comfort Partners, and the Universal Service Fund (USF) are often part of NJ HEAP as well. More on LIHEAP in New Jersey.

  • New Jersey SHARES - This state program can help people pay for their heating, water and utility bills. The program provides home energy grants for hundreds of dollars (sometimes thousands) people whose income is too high for other government programs. So this program is targeted at more moderate income families. Call 1-866-657-4273, or read more on NJ Shares.

Kinship Navigator Program - Kinship care is assistance that is provided to grandparents, uncles, aunts and other relatives who care for their family member's children. The NJ program is a referral and information service that was established by charities to help relatives navigate their way through the various governmental social services, benefits, and grants to find the local support they may need to pay the bills.

  • Find cash assistance for paying bills, support groups, child care resources, medical coverage, housing assistance, and respite services. In addition to the navigator service, monthly subsidies and cash grants are also available in NJ to eligible kinship caregivers to help them pay their bills. Call 1-877-816-3211

New Jersey Mortgage Help and Foreclosure Prevention - New Jersey offers programs that assist families with paying their mortgages, and the state can also help those who may be in need avoid foreclosure. Get information on government as well as free non-profit programs. Read more on mortgage help in New Jersey.

  • The federal government also approves non-profits to offer free mortgage help as well as foreclosure relief. Find a listing of New Jersey HUD approved foreclosure counseling agencies as well as law firms.
  • The state of New Jersey also has a mediation program that will help lenders and homeowners agree to a solution to stop a foreclosure. This involves “neutral” mediators that negotiate a solution. The goal is to help low-income homeowners stay in their house. More on NJ mediation program.







New Jersey free medical care, dental treatment, and medications

NJ WorkAbility - Provides health insurance coverage to the disabled who work and whose income makes them ineligible for Medicaid. It will also help the disabled adults or people is SSI with paying their medical bills or for medications as well as outstanding debt. Dial 1-888-285-3036 for details, or find other government free health insurance policies.

Community Clinics and Free Health Care - There are dozens of free community clinics and health centers in New Jersey. The locations provide free or low cost medical care, telehealth and more to the low income as well as people without health insurance. Free care is for adults as well as children. Click here to get more information on free community clinics in New Jersey.

  • Residents who need help to address a dental need will get help from a free dental clinic or dentists. Government assistance and charitable centers offer free help, including dentures, cleanings, and surgery. Read about free or reduced priced facilities and free dental care clinics in New Jersey.

Patients who do not have health insurance, or whose policy will not pay all of their bills, can look into several programs for free or low cost medical insurance or care. A focus is on helping children, providing medications, and helping people with certain conditions (such as cancer). Continue New Jersey uninsured health care programs.

Charity Care - Hospital Care Payment Assistance Program - This program provides free or very low cost medical care for lower income patients who receive outpatient or inpatient services at an acute care hospital in NJ. The state offers financial aid to help pay bills, surgeries or hospital debt. To be eligible for government aid, those in need of help can’t have insurance, or they need to have Medicaid or Medicare coverage. Call 1-866-588-5696 or 1-800-367-6543.

New Jersey Family Care - Medicaid - Provides free or very low-cost health insurance to lower income working families, the disabled in NJ and also their children. Those eligible for support from this program include parents with incomes up to 200% of the federal poverty level, and children that are in families earning up to 350% of the federal poverty level.

  • The NJ FamilyCare program helps financially eligible families who need health insurance obtain it to help cover the cost of routine physician visits, hospitalizations, prescriptions, lab tests, x-rays, eyeglasses, eye exams, and other medical bills for themselves and for their children. It will also pay for dental care for most children and for some adults. Call 1-800-701-0710 for details or applications to this free government health care in New Jersey.

Catastrophic Illness in Children Relief Fund - This will provide eligible families, that have kids under the age of 21, with financial assistance. Hardship funds as well as government grants can help those low income families as well as the uninsured cover medical expenses that were incurred because their child became injured or catastrophically ill. Support will include, but is not limited to, acute or specialized in- or out - patient hospital care, special ambulatory care, medical equipment, home health care, medically - related home and vehicle modifications, and medical transportation. Phone 1-800-335-3863, or read more on New Jersey Catastrophic Illness Fund.




Pharmaceutical Assistance to the Aged and Disabled (PAAD) - A prescription drug discount program for the disabled as well as seniors with a low income. The savings that are offered can help them pay for prescribed medications. New Jersey PADD is program that provides insurance for prescribed drugs, such as insulin, life threatening medications, cancer and insulin strips or supplies.  Call 1-800-792-9745.

Medicaid - An entitlement program that currently provides health insurance for hundreds of thousands of very low-income New Jersey parents, people who are aged, children, as well as the blind or disabled. The program pays for doctor, hospital, prescription drug bills, nursing home expenses and many other health care benefits. Or even find other resources, including government and charity prescription drug programs.

Job placement, workforce training and free budgeting or debt relief

Employment Services, Education Programs and Government Grants - Residents who meet low income guidelines or who are faced with poverty can get help from their local community action agency. Resources available to New Jersey families include job training, career counseling, grants for paying housing or energy costs, and financial support. Continue New Jersey community action agency.

  • Other employment related programs include assistance with job searches, training, and career counseling. Services are offered for the unemployed and residents looking to gain experience or a skill to increase their income. Continue with free job training in New Jersey.

Stop Medical Debt Collectors in New Jersey - The low-income, people with bad credit, and struggling consumers will get help. New Jersey government laws provide consumers help with dealing with medical debt collectors, companies or hospitals. There are rules and regulations in place. The state will also ensure people have access to free health care. More on programs to stop debt collectors.

Free Credit Counseling for Debts and Mortgage Assistance - Find details on non-profit organizations that offer New Jersey residents credit counseling services. A number of debt consolidation, housing, credit card hardship and auto loan payment programs are offered. The non-profits can help pay bills and loans are offered. More on New Jersey free credit counseling.

Assistance in New Jersey cities and counties

Find financial help, social services, grants and more in your local city or county (select below). As there are many other charities, government programs and resources in each county.

Atlantic County (Mays Landing)

Bergen County (Hackensack)

Burlington County (Mount Holly)

Camden County

Cape May County

Central New Jersey Area

Cumberland County (Bridgeton)

Essex County (Newark)

Gloucester County (Woodbury)




Hudson County (Jersey City)

Hunterdon County (Flemington)

Mercer County (Trenton)

Middlesex County (New Brunswick)

Monmouth County (Freehold Borough)

Morris County (Morristown)

Ocean County (Toms River)

Passaic County (Paterson)

Salem County

Somerset County (Somerville)

Sussex County (Newton)

Union County (Elizabeth)

Warren County (Belvidere)


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By Jon McNamara

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