New Jersey Financial Aid and Assistance Programs.

Locate grants and financial assistance in all New Jersey counties and cities listed below, including Newark and Jersey City. In addition to the state run assistance programs you will find below, you can also locate organizations as well  as charities in New Jersey that can provide you with help. Find assistance paying bills, a mortgage or rent payment, medical care, free food, and transportation help as well.

Kinship Navigator Program
Kinship care is assistance that is provided by grandparents and other relatives who care for their family member's children. The Kinship Navigator Program is a referral and information service that was established to help relatives navigate their way through the various governmental systems to find the local support they may need, including cash assistance, support groups, child care resources, medical coverage, housing assistance, and respite services. In addition to the navigator service, monthly subsidies and grants are also available to eligible kinship caregivers to help them pay their bills and debt. 1-877-816-3211

New Jersey Mortgage Help and Foreclosure Aid
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 and non-profit programs. Read more.

The state has also started a mediation program that will help lenders and homeowners agree to a solution to stop a foreclosure.

Find a listing of New Jersey HUD approved foreclosure counseling agencies and firms.

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. 1-800-367-6543





NJ WorkAbility
Provides health insurance coverage to those who work, and whose income makes them ineligible for Medicaid. It will also help the disabled with paying their medical bills and outstanding debt. 1-888-285-3036

Senior Gold Prescription Discount Program and Pharmaceutical Assistance to the Aged and Disabled (PAAD)
A prescription drug discount program for the disabled and seniors in need. The savings that are offered can help them pay for prescribed medications and drugs. 1-800-792-9745

Stop Medical Debt Collectors and Get Access to Free Health Care
New Jersey laws provide consumers help with medical debt collectors. 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.

Charity Care - Hospital Care Payment Assistance Program
This an an assistance program that will help pay for doctor and hospital bills. The program provides free or low cost health care to lower income patients who are admitted to hospitals throughout New Jersey. To be eligible for aid, those in need of help can’t have insurance, or they need to have limited health insurance coverage.

New Jersey State Rental Assistance Program
This is a rental assistance program offered by New Jersey for low-income families, individuals or households. The program will help residents with paying their rent. Assistance is offered in the form of rental assistance grants. 609-292-4080.

New Jersey Family Care
Provides free or very low-cost health insurance to lower income working families and also their children. Those eligible for aid 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. 1-800-701-0710





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, and programs to pay bills and loans are offered. More on New Jersey credit counseling.

Pharmaceutical Assistance to the Aged and Disabled (PAAD)
A program that provides insurance and drug coverage for prescribed legend drugs, such as insulin, life threatening  medications and insulin supplies. As noted on this there are many other prescription drug assistance programs in New Jersey.

The NJ Earned Income Tax Credit (EITC)
This aid is based on the federal EITC, and it provides a fully refundable credit to help boost the paychecks of low-income families.

Telephone Assistance - Home and Cellular
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, and other benefits. More Lifeline in New Jersey.

Senior Freeze Property Tax Relief
Receive property tax assistance from the Senior Freeze program. Eligible seniors 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 property taxes owed in tax year 2008 was. The state also provides additional help with paying property taxes.

Catastrophic Illness in Children Relief Fund
This will provide eligible families with financial assistance. Funds and grants can help those low income families cover medical expenses that were incurred because their child became injured or catastrophically ill. Covered expenses provided for children ages 0 to 21 include, but are 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. 1-800-335-3863. More.

WorkFirst New Jersey(WFNJ)
This is New Jersey public assistance grant program, and it was created to help families move to self-sufficiency by offering families and individuals a full array of support, from health insurance, child care, and transportation, up to substance abuse treatment and emergency funds. 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.




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

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, and 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
Find resources that provide free legal assistance and advice in New Jersey. Federal government grants fund the programs. Click here.

Eviction Assistance and 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. Non-profits focus on helping struggling families facing eviction and also rehousing the homeless. More on eviction prevention in New Jersey.

An entitlement program that currently provides health insurance for more than 600,000 very low-income New Jersey parents, people who are aged, children, and the blind or disabled. The program pays for doctor, hospital, prescription drug bills, nursing home expenses and many other health care benefits.

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 and 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.

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, advice, and support to senior citizens and the elderly. More information.

Social Services and 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, and much more. More New Jersey public assistance.

Health Insurance for Families and Children
Provided through the NJ FamilyCare program, this 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. 1-800-701-0710

Case Management 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, and more. Also get advice and referrals from a case manager. Learn more New Jersey Salvation Army.

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

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. Read more.

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

Community Clinics and Free Health Care
There are dozens of community clinics in New Jersey that provide free or low cost medical care to the low income and people without health insurance. Click here to get more information.

Residents who need help to address a dental need also have options available to them. Read about free or reduced priced facilities and 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 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.

Housing, Rent Assistance, and Homeless Prevention
A state run organization offers emergency rental assistance, money for security deposits, shelter, and housing counseling. Find a listing of New Jersey housing programs.

Assistance From New Jersey Cities and Counties

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)

  • Food banks and pantries in Middlesex. More.

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)

Assistance With Paying Utility and Heating Bills

Home Energy Assistance Program
This will help very low-income residents with paying their heating and also cooling bills, and the program also makes provisions for emergency fuel assistance and emergency heating system services within the Home Energy Assistance Program.

Universal Service Fund (USF)
Helps make utility and energy bills more affordable for lower income customers in New Jersey. If you are eligible for aid, USF can help you lower the amount you have to pay for electricity and natural gas.

New Jersey SHARES
This state program can help people pay for their heating, water and utility bills. The program provides home energy grants for up to $1,000 to people whose income is too high for other government programs. So this program is targeted at more moderate income families. Read more on NJ Shares.

Citizens Energy Oil Heat Program
Citizens Energy works closely with countless fuel assistance agencies across New Jersey and they also cooperate with oil heat dealers in over 15 states to provide deliveries of free home heating oil to those who need assistance with heating bills. This year, this assistance helped tens of thousands of families with a one-time delivery of 100 gallons of home heating oil.





Weatherization Assistance
This program will assist the elderly, low income, and handicapped persons in weatherizing their homes, which will improve their heating system efficiency and also help them conserve energy.

New Jersey Comfort Partners
This is a residential program that is for lower income families. The aid is offered by PSE&G, Jersey Central Power & Light, Rockland Electric Company, New Jersey Natural Gas, Atlantic City Electric (Conectiv), Elizabethtown Gas and also South Jersey Gas. Energy efficiency measures are provided to low income families, and they include  include: efficient lighting products and CFL bulbs, refrigerator replacement, hot water and heater conservation measures, air sealing and insulation, duct sealing and also repair, free programmable thermostats, insulation upgrades, and heating/cooling equipment maintenance, replacement, or repair. They will also provide energy counseling and education to help lower your bills, as well as arrearage forgiveness on outstanding heating or utility bills for participants who agree to payment plans are included.


By Jon McNamara

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