Get financial help with rent, utilities, groceries & other bills

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Free financial help is available to many people living in the U.S. today.  Federal government programs provide services that help qualified families and individuals with financial help with bills.  We will show you how to find financial services that can help you.

Many charities, community organizations, and federal financial assistance programs can help you pay rent, utility bills, home repairs, and more.  These organizations provide financial services that help you pay rent, utility bills, mortgage, medical bill assistance, home repairs.  Government programs like TANF and WIC enable mothers to put their children in daycare for free. Then they can go to work or to school to improve their family stability and lifestyle.

12 Programs that Give Free Financial Help  

1.  Help for Pregnant Women and Teens

If you are struggling financially and are expecting and child and don’t know where to turn, it can be pretty overwhelming.  Pregnant adults and teens can get prenatal care, nutritional support; there are programs like Medicare, TANF, WIC, and SNAP to help with food, bills, and health services.  Single moms are the sole providers for their families. Single mothers can get financial help from government programs, charities, and community organizations. If they are single and need help support, many free programs can help them.  Financial aid programs help with rent, education, utilities, food, and more.

2.  Free Financial Help with Utilities

If you have had your services shut off or are in danger of having them terminated, you can get financial help. If you need help with utilities, there are programs available to help you pay bills.  Also, contact your utility or heating company to determine if they have financial help programs for low-income customers.  They can also help you sign up with the LIHEAP (Low Income Heating Assistance Program).

3.  Help with Free Groceries

There are food pantries and food banks in every city.  If you need help with food, you can walk into Catholic Charities and get groceries for your family.  Ask for a list of other pantries near you where you can get free groceries. Community food banks are available to help endangered families all across the United States.   Some places may require a referral to get food, but many do not.

4.  Help with Free Furniture

Suppose you are moving into a new home after being homeless or have experienced a disaster of some type.   Furniture is expensive, especially if you have already lost everything in a disaster. There are free furniture banks and partners with charities and private donations to help you start over again.  You can get free beds, linen, dishes, and all the things you need to manage a home.

5.  Christmas Toy Programs

Christmas should be a time of joy and celebration, but it is a time of stress and depression for many.  If you have lost your job or can not afford the basics like mandatory bills, holiday celebrations, move to the back burner. Christmas assistance programs help you find financial assistance.  Find out about Christmas charities in your community and how you can get a free holiday basket, Christmas dinner, toys for Christmas, as well as help with your household bills.  

6.  Support with Medical Bills

Health insurance is expensive, and many people with families still can not afford insurance. If you are without insurance and have a medical issue, you may qualify for help with medical bills.  Many hospitals offer a sliding fee scale that will charge you according to your income.  If you are unemployed, you may also apply for Medicaid for yourself and CHIP for your children at the Department of Social Services.

7.  Help With Dental Care

Your dental health has a direct connection with your medical health, yet millions of Americans suffer from poor dental health because they don’t have the money to go to a dentist.  A root canal can easily cost $1,200.  Dentists and dental clinics want to give back to the community and offer free or discount dental care. Find out if you qualify for free dental care.

8.  Help Paying Rent

If you have lost your job or are unemployed because of a long-term illness, you qualify for help with rent.  Contact the Department of Social Services to see if you qualify for emergency financial assistance with rent.  You can also find help at local churches like the Salvation Army, Catholic Charities, and St. Vincent de Paul.  Check with the federal government for low-income housing and rental assistance programs. HUD can help with rent vouchers as well rent and utility deposits for new housing.

9.  Financial Help with Home Repairs

There are government programs that help with free, low-cost home repairs.  If you are a low-income homeowner and need help to make your home safer and more energy-efficient, there are grants to help you make a home.

10.  Charity Help With Bills

Charity representatives join with the government to help screen and distribute funding to disadvantaged families and individuals in the community.  Charities and churches do not withhold assistance based on religion. Grants for bills are given on a first-come, first-served basis.

11.  Free Job Training

Charities and community-based organizations are an extension of the government and screen and distribute help where it is needed—public, private, and federal benefits and donations fund these incentives. Non-profits help by paying rent, utilities, providing clothing, food, medical,  job training, and more. They also give free financial help and training that can improve self-sufficiency.  Lastly, the Federal Government can help.  Several DSS buildings serve each state and community. Apply for help by going into one of these offices online or calling to request an application be mailed to your home.

12.  Free Government Cell Phone Program

The Lifeline Assistance Program makes free cell phones and services available to income-qualified families and individuals.  You may be eligible for free or low-cost phone services from the federal government.  This program applies to both landline installation and cell phone service for low-income, seniors, and the disabled.  Your gross family income should be at or below the U.S. Federal Poverty Guides, and you must recertify every year.

Who Qualifies for Free Financial Help?

Not everyone is eligible for free financial help.  It is not as simple as, ” who can help me if I can’t pay my bills?” To get financial assistance with bills, your income must be at or below the US. Federal Poverty Guidelines to qualify for aid.  According to Welfare Statistics and Demographics, 21% of those living in the US receive government assistance. Total Federal government spending on welfare programs annually $158,200,000,000.

48 States and D.C. Poverty Guidelines (Yearly)
1 $12,760 $31,900
2 $17,240 $43,100
3 $21,720 $54,300
4 $26,200 $65,500

For each additional person, add$4,420.

Where to Find Low-Income Assistance

There are a few financial resources for getting free help paying bills.  Consequently, agencies like the Crisis Assistance Ministry or the American Assistance League help the poor.  The Federal government funds community resources and donations. You must also qualify to receive free help from the government, charity, and community organizations. You may be eligible for financial assistance if your gross income has to be at or below 135% of the Federal Poverty Guidelines.  If you need assistance with bills, please use this site as a resource to find the help you need.  Find financial support in your State.

7 Ways to Get Free Financial Help Paying Bills

  • Apply for a personal loan from your bank
  • Apply for emergency assistance from the federal government.
  • Sell unwanted items on Craigslist, FB Marketplace, etc.
  • Sign up for a free government cell phone from Lifeline Assistance
  • Apply for Low Income Home Energy Assistance (LIHEAP)
  • Contact 211, (United Way). For a list of financial programs in your city.
  • Call charities that help pay bills.  Salvation Army, Catholic Charities


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