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Find how to get help with paying bills or free basic needs.

Find how to get financial assistance with bills, free items, housing, food, and emergency or long term help for basic needs. There are local agencies near you, listed below by state or program type, as well as national organizations, including charities or government social services. Everything from rent or utility bill assistance to food pantries, mortgage payment help, free health or dental clinics and much more is listed.

There are also free resources for saving money as well as work from home or job training programs. Also locate coupons, discount codes, information on financial literacy or tools for making extra money, and so much more.

All this information is below by category, or find help near you for more local resources. As throughout the page is information on financial assistance programs that help pay bills ASAP, free items, food, housing, job programs and more that help struggling families with both emergency as well as long term needs.

Housing assistance - rent, mortgage, security deposits and more

A number of rental assistance programs help the low-income, single mothers, working poor and others. The goal is to stop evictions and keep tenants housed, or to move into affordable housing.

  • Rental assistance can be provided from national charities or government agencies. Find programs that help with rent.
     
  • Locate local financial assistance programs for paying rent, security deposits, storage costs and more by city or county. Find rental assistance near you.
     
  • Sometimes a tenant is faced with an unexpected crisis and needs immediate assistance or resources within days. This is when emergency rental assistance can assist them.
     
  • There are also federal government income subsidized housing and apartment programs in all states. As an example, find section 8 near you.
     
  • Emergency section 8 may be available for seniors, the disabled and people in a financial crisis. Learn how to get section 8 immediately.
     
  • The homeless can get support as well. Find a homeless shelter near you.
     
  • Sometimes shelters are full and a free motel or hotel room is a short term option. Charities (or government agencies) can provide free motel vouchers.

 

 

 

  • Rapid rehousing, security deposit help and Homeless Prevention is another option. Everything from grants to legal consultation are offered to low-income families. Get security deposit assistance.
     
  • Some housing, apartment programs and rental assistance is focused on single moms. Charities and government programs often assist, and learn about free apartments offered to single mothers near you.
     
  • Housing with no waiting lists may be offered from section 8, government programs, or non-profits. Apartments or homes may be offered in a crisis to single mothers, veterans, the low income or disabled as well as elderly among others. Get details on low-income housing and apartments with no waiting list.
     
  • Reducing monthly utility bills (i.e. saving money) can also free up a household’s income for other basic needs, and it can be combined with financial help. There are very simple, and free ways, to save 5 to 30% on monthly electric, heating, and gas bills. Get tips on how to save money on utilities.

Utility bill assistance - electric, water, utility deposits, telephone and more

Utility assistance, either emergency financial help or long term energy conservation measures, can help renters as well as homeowners. Charities, utility providers, the government and more offer support.

  • Assistance with electric, light, heating and other utilities is offered from national organization. Read more on electric bill assistance.
     
  • Most states offer local utility bill assistance programs. These can be for a certain state, county, or city. Continue with utility assistance near you.
     
  • Utility companies offer payment plans, discounts, and hardship relief to their customers to stop a disconnection. Locate assistance from utility companies.
     
  • LIHEAP grants help low income families, seniors and the disabled keep their utilities on or pay a deposit. Find LIHEAP near you.
     
  • Water bill assistance can stop a shut-off.  Charities and companies may offer it. More on help with water bills.
     
  • Phone bill assistance is an option, including free cell phones for the low-income, disabled or seniors. Find phone bill assistance.

 

 

 

 

National charities, non-profits and churches

Find information on national, “well-known” charities that, in aggregate, helps tens of millions of people per year. Free food, clothes, emergency financial help, housing and more.

  • Social Services, basic needs and financial aid is offered by the Salvation Army, and over 30 million people are assisted per year. Locate Salvation Army near you.
     
  • Catholic Charities has over 2,500 locations and supports millions of people. Find Catholic Charities near you.
     
  • Community action agencies help the low income as well as unemployed overcome poverty or even find a higher paying job. There are also grants and financial aid. Continue with community action program.
     
  • Society of Saint Vincent de Paul has over 100,000 trained volunteers and thousands of parishes. They help the poor, unemployed, single mothers and others. More on Saint Vincent de Paul near you.
     
  • Churches often help struggling members of their local community. Short term help may be offered to families living in poverty as part of church assistance programs.
     
  • Other regional or specialized charities exist that can provide emergency assistance for paying bills, rent, food, and that offer support for other basic needs. Find more charity organizations.
     
  • Attorneys from non-profit law firms can provide free legal assistance or consultations to very low income families as well as senior citizens. Information on free legal advice.
     
  • In addition to the list above, there are also local charities that operate in most cities, towns, and counties. Some provide financial help, counseling or social services in a wide range, others neighborhood by neighborhood. Find a charity near you.

Free food programs

Struggling or low-income families can get assistance from charities, including free food pantries, Meals on Wheels, soup kitchens and more. Or apply for government benefits including SNAP food stamps, USDA commodity programs, resources for children or the elderly and more.

  • Regional or national free food banks, pantries and grocery programs can be used in an emergency. listing. Locate a list of state food pantries.
     
  • Most local towns, cities, and even rural parts of the country have free local food pantries as well. There are thousands across the country, and find a food pantry near you.
     
  • Food or meals (frozen or hot) may be delivered for free to the homebound, elderly, or disabled. Meals on Wheels provides food and wellness checks. Locate meals on wheels food delivery near you.
     
  • SNAP food stamps, including emergency benefits and EBT expedited cards, can provide financial aid, help with groceries, or other basic needs. Get details on how to get emergency food stamps.
     
  • Local charities or social service offices provide free food, hot meals, hygiene supplies or applications to food stamps, free school lunches/breakfast and more. More on how to get food assistance near you.
     
  • Families can also save money on food and groceries. Everything from Unit Pricing to coupons, bulk buying, apps on phones or shopping websites and other simple, easy to use tools can help. Find how to save money on groceries.

Free stuff or basic needs - Clothes, furniture, seasonal items and more

There are many national as well as local organizations that offer free items year round. Whether it is groceries, school supplies or Christmas toys, clothes, cars, gasoline or more, struggling families can get stuff for themselves or their children.

  • National organizations, corporations, and even the government may provide free items to low income households or products. Find how to get stuff for free.
     
  • Free stuff may be offered locally too. There are items in cities, counties or certain states. Learn more free stuff near you.
     
  • Furniture banks provide beds, appliances, mattresses, desks, and many gently used or household items. Locate free furniture banks near you.
     
  • Free clothes for work, general use, winter weather or other needs are offered by thousands of charities. Locate dedicated free clothing closets near you.
     
  • Low income and/or struggling parents as well as single moms need diapers or wipes. Get free diapers.
     
  • Christmas toys for the holidays can be offered to kids. Many charity and non-profit organizations want kids to experience holiday joy, so they provide free Christmas gifts.
     
  • Thanksgiving or Christmas holiday meals, gifts for families, clothes and other support is offered to seniors, the low income and poor. Find programs that may offer help for the holidays.
     
  • Students need to have the free back to school items they need, whether it is a uniform, clothes, books, backpack, or other goods. There are programs run by churches or charities that offer free school supplies.
     
  • Free government internet programs assist low income families. The goal is to encourage at home - remote work, education, or helps parents with children. More on free internet services.
     
  • Funeral, burial and cremation help is offered to the poor, indigent and uninsured from government or charity agencies. Locate funeral or cremation assistance.

 

 

 

 

Grants, cash or government assistance

In addition to the financial resources and programs above, there are a variety of grant programs that operate year round. It may be government assistance, disability benefits, help for senior citizens or retirees and more.

  • There may be grants to pay for expenses ranging from energy bills to transportation, rent or housing costs, medical needs, food, and  more. Find information on grants to help pay bills.
     
  • It is possible to make money from everyday tasks using apps, cash back websites, survey or market research sites and others. Find how to make free money for paying bills.
     
  • Federal government financial help, often in partnership with non-profits, is offered. Find information on federal, state, and local government assistance programs.
     
  • State public assistance, food, medical, cash benefits can be offered to the very low income. The support is provided from the government as a form of public assistance.
     
  • People with a disability can get help. Government financial aid, SSI, loans, disability advocates and other options, such as support from charities. Learn more on disability help.
     
  • Programs help senior citizens and the elderly. Locate food, free medications, grant based aid and housing. More details on help for senior citizens.
     
  • Emergency cash can be obtained in a crisis. There are charities, low-cost loans, and other ways to get immediate money to help with paying bills. More on emergency cash immediately.
     
  • Low-income parents, or single moms, can get free government child or day care, including vouchers or financial assistance. Locate affordable or free daycare near you.

Transportation assistance - Free cars, car payment assistance and more

Transportation is needed for work, job training, school, and other purposes. There are charities and well as non-profits that offer assistance for transportation, if it is work or “self-sufficiency”

  • Free new or used cars may be offered to people who need it for a new or existing job, if lack of transportation is a barrier. This can include a free car for low income families.
     
  • If/when a car or truck needs repairs, some grants, charities, or volunteer mechanics may help. There are grants to pay for automobile repairs.
     
  • Free gasoline, including cards or vouchers, may be offered in an emergency. This may include a job interview or medical emergency. Learn about charities that pass out free gasoline vouchers.
     
  • Auto loan payment help may be offered by banks, lenders, or even non-profits. Financial aid, payment plans and more may be available as help for paying car loans.
     
  • The disabled can also get rides, including wheelchair or handicap transportation. Read more about free transportation for a disability.

Free medical, healthcare, prescriptions and dental

There are government assistance programs as well as free health clinics or pharmaceutical resources for low income families, the uninsured as well as those living in or near poverty levels. Options range from insurance to free or sliding fee type care.

  • Sliding fee or free medical clinics provide emergency or preventative healthcare to the low income, uninsured, women and underinsured. Locate free free clinics that offer health care.
     
  • Federal qualified health care centers are also very local too. Volunteer doctors, nurses, and free urgent care centers are options for medical help. Continue with healthcare clinics near you.
     
  • Dental care, including teeth cleanings, extractions, and charity assistance can help the millions of people that lack dental insurance. They too can get assistance from free dental clinics.
     
  • The uninsured and low income can get dental help too from local clinics. Most cities and counties have them, including volunteers or mobile centers. Read more on free dental care centers near you.
     
  • Financial help is offered to pay medical or hospital bills. Everything from government grants to payment plans or charities assist. Locate medical bill assistance.
     
  • Free prescription drugs, discount cards, medications, financial help and more help the low-income.  Resources are offered from charities or pharmaceutical companies as a type of prescription drug assistance.
     
  • Low income families can also get help with vision needs, including prescription glasses or exams. Learn about glasses, contacts or free eye exams near you.
     
  • It is possible to save money on medical bills. There are prescription drug discount cards, healthcare apps, insurance marketplaces for affordable plans, tele-health and other programs. Find ways to save money on medical bills.
     
  • Many other charity or national medical or dental options are available as well, and find affordable or free medical care.

 

 

 

 

 

 

Extra income, work from home or free job training programs

There are a number of ways to make extra money from side hustles, gig jobs, work from home jobs (part or full time) and more. In addition, free government job training can help people get new skills.

  • Jobs can be done from home, whether full or part time. Companies offer a number of opportunities, and find legitimate work from home jobs.
     
  • Free job training, counseling, career advice and other support is available from the government as well as non-profits. Workforce centers and other locations provide job training near you.
     
  • Single moms can get jobs with flexibility. Find the typed of fart time, contracting and freelance positions that are jobs for single moms.

Money saving tips, coupons, cash back programs and budgeting

It can be difficult to qualify for government assistance or charitable resources. Funding is always limited. Another way to get assistance with paying bills or increasing self-sufficiency is by saving money or using coupons, cash back websites and other free tools.

  • Some games pay out real money, free gift cards, rewards and give other stuff to those who play. Websites, apps, and other services pay to Paypal, Venmo, or cash app. Locate games that pay out money.
     
  • There are also many things that families can do to cut back on their expenses and save money. Whether it is on housing, rental costs, utility bills, food, or really any expense, find a number of money saving tips.
     
  • Free coupons can be found online, using a smartphone app, printed from websites or located in other ways. They are a easy and effective way to save money, and get details on free coupons.
     
  • Low income families can get financial help for their bills or free stuff, but budgeting and saving money is critical too. There are many ways to save money each month and really every day. Read more on saving money shopping.

Debt assistance for loans, credit cards, medical costs and unpaid bills

Since many people like paycheck to paycheck, they all too often go into debt just to keep up with paying their bills or they struggle to pay everything from car loans to credit cards. There are various assistance programs available, from banks, lenders, credit counselors, financial literacy resources and other support.

  • Counselors from non-profit agencies help with debt management plans (DMP), settlement, medical debt and other support - both in person or online. Contact free non-profit credit counseling agencies.
     
  • Banks and credit card companies often provide relief to their customers. There are consolidation programs, refinancing, and other forms of credit card help.
     
  • Hospital and medical debts are also a major concern with the escalating cost of healthcare. Patients can apply for help from their provider, or look into how to get help with hospital bills.
     
  • Many families also need help with financial literacy. This involves developing or improving skills around investing, saving, budgeting, building credit and similar activities. Learn about developing financial literacy skills.
     
  • Living on a budget will help people pay off debts. In fact, living within means is often the only way to pay offer any creditors, loans, or eliminate any debts. Learn how to budget money on low income.
     
  • Many other debt assistance programs are available, ranging from credit card hardship to consolidation, payment plans, emergency financial aid and more. Find other debt help.

Homeowner resources - Mortgage help, home repairs, and more

Whether trying to get financial help for a past due mortgage payment, or assistance with a loan to buy a home or grants to make repairs, homeowners can get help.

  • Find mortgage payment help from banks, non-profits, and national agencies. There are a number of ways to get help with a mortgage.
     
  • Free home repairs may be offered to low-income families, seniors, or the disabled, among others. Grants and volunteers may assist. Learn about on free home repairs.
     
  • Property or real estate tax help ranges from deferment to re-assessments and more. A focus is on the the sick, unemployed, elderly or even veterans. More on property tax help.

Loans that help pay bills, including for emergencies

Payday loans, peer to peer lending, non-profit programs a d low interest Credit Union loans are some options that can be looked into as a last resort. Learn the truth about the various types, including the pros and cons to using them. There may be some limited situations in which borrowing money can be a great option.

  • Payday type lenders, including title loan companies, cash checking stores, or pawnshops can be turned to in a crisis, but there are risks to this. Read more on payday loans.
     
  • Borrowers with bad credit (or no history) can get loans. Families that are struggling due to past challenges can also get financial assistance from loans for borrowers with no credit.
     
  • There are no-interest loans available. The funds will eventually need to be repaid, but the interest rate is zero and other fees are often waived. Find more details on free loans for families.

 

 

 

 

Local financial assistance programs and social services by state

Select your state below to find a comprehensive listing of all emergency as well as long term financial assistance programs available. Based on various conditions, households can receive rental assistance, food, free medical care, daycare vouchers, medical care and energy bill assistance among other resources.

Alabama

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

 

 

 

 

Michigan

Minnesota

Mississippi

Missouri

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

Tennessee

Texas

Utah

Vermont

Virginia

Washington

Washington DC

West Virginia

Wisconsin

Need Additional Help With Bills? Send us an email @ info@needhelppayingbills.com   Include your email address and state. It is needed to send a reply to your request. Or visit or register in the community forum (link below) and we will reply to your message there. There are many charities as well as government resources that offer assistance with paying bills, debt, back rent, mortgage help, and more.

 

By Jon McNamara

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