Get Financial Help Paying Bills

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Do you need free financial help paying bills?  You may qualify for low-income financial aid from government assistance in your city.



First, determine if you are eligible for local support from churches, community agencies, and state assistance programs.

Next, discover how to get help with a free government smartphone, rent, electricity, food, clothing, a free credit report, and more.

Finally, get advice on navigating charities, local churches, and other federal government programs.

We will direct you to resources to help you find financial support and post new information regularly.  There are public, and private low-income assistance programs and charities that help pay rent.


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If you are unemployed, you may be eligible for unemployment benefits depending on how long you worked.  Ask a social worker if you qualify for educational grants when applying for temporary aid.

Charities that Help

Charities like the Salvation Army, Catholic Charities, and the United Way help struggling families find the necessary resources to pay bills and care for their families.

Each charity is funding my donations, government and private donations.  The United Way is a one-stop resource to locate the local programs that can provide help.

If you qualify financially and funding is available, you can get help.  Remember that you may have to go to more than one organization to get all the help you seek.



Government Programs

Government programs like WIC, SNAP, LIHEAP, Financial Aid, etc., are available to those who live at or belove the US Poverty standards.

These programs help the very poorest in America.   The working poor may also qualify for many of these programs.  If you have a need, go to USA.gov to find a government program that meets your family’s needs.

Help Paying Rent

At the height of Covid, the government extended amnesty to many who could not pay their rent and mortgage due to the lockdown.

Once things got back to normal and amnesty lifted, many were stuck owing months’ rent or mortgage.  You can receive help with housing and rent from local agencies, charities, and the government.

Assistance with Utilities



It is devastating to lose mandatory services like water and electricity.  That is to say, no one should live in the dark or without running water and heat.

You can get assistance if you have had your services shut off or are in danger of having them terminated.  If you need help with utilities, programs can help you pay bills.

 Free Financial Help Programs

1. Financial Help for Single Mothers

Single moms are many times the sole providers for their families.  If you are single and need help or support, many organizations can help you keep your family together.

Financial aid programs help with rent, education, utilities, and food for single moms.

2. Financial Help for Pregnant Women

It can be overwhelming if you are struggling financially, expecting a child, and don’t know where to turn.  If you are a teen or an adult over 18 and need help with prenatal care and nutritional support, programs like Medicare, TANF, WIC, and SNAP help with food, bills, and health services.  (Free help for pregnant women).

3. Food Assistance



You can live without utilities and a permanent home, but no one can live without food.  That is why many community food banks are available to help endangered families across the United States.

These food assistance programs help families feed their families.

4. Financial Help with Free Furniture

Suppose you move into a new home after homelessness or have experienced a disaster.  There are free furniture banks and partners with charities and private donations to help you start again.

Find out how to get free beds, linen, dishes, and everything you need to manage a home.

5. Christmas Assistance Programs

Christmas should be a time of joy and celebration, but it is stressful and depressing 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 complimentary holiday basket, dinner, toys for Christmas, and help with your household bills.  

6. Support with Medical Bills

Health insurance is expensive, and many families still can not afford insurance.  If you are without insurance and have a medical issue, you may qualify for help with medical bills.  Find out about these opportunities to get free medical care or help with medical debt.

7. Help With Dental Care

Your dental health directly connects 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 discounted dental care.  Do you qualify for financial help with dental care?

8. Home Repair Grants

Government programs are available to help disadvantaged homeowners with necessary repairs to their homes.  (Get information about government grants)


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9. Financial Help for Families in Need

Charity representatives join 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.  Financial grants are given out on a first-come, first-served basis.  (Contact Catholic Charities)

10.  Free Gas Vouchers

Gas has risen to $10 or more a gallon, depending on your state.  Some organizations give out free gas vouchers so people can get to work, doctor’s appointments, etc.

How to Get Financial Help with Bills

  • Apply for a personal loan from your bank
  • 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.
  • Go to the Department of Social Services.  Apply for expedited financial assistance.
  • Call charities that help pay bills.  Salvation Army, Catholic Charities.

According to Welfare Statistics and Demographics, 21% of US residents receive help from the government.  Total Federal government spending on welfare programs annually is $158,200,000,000.  We will show you how to get help with rent payments, utilities, healthcare, and other financial emergencies.

Financial Hardship Programs

We all have times when things get complicated.  What do you do when you don’t have a family or your family is also struggling?

A GoFundMe page won’t get you the help you need in time.  However, some organizations help pay household debt like rent, lights, water, gas, etc.  I

t will take a little research, phone calls, and footwork!  Once you find help and are approved, they will contact your landlord or utility provider to let them know to help you.  This alone can stop an eviction or the loss of light, water, or gas services.

Job Training

Charities and community-based organizations extend the government and screen and distribute help when needed—public, private, and federal benefits and donations fund these incentives.

Non-profits help by paying rent utilities, providing clothing, food, medical,  job training, etc. They also give financial aid 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.

How can I get Financial Help from the Government?

The local and federal government assists millions of families each year.  Although we are not associated with any organization, you can find help here.

Note: they do not give away money but pay directly to the landlord or utility company.  There are a few sources for getting 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 are eligible for 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.

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