Get Financial Help Paying Bills

Do you need free financial help paying bills?  You may qualify for low-income financial aid from government assistance programs in your city.  You may be eligible for local support from churches, community agencies, and state assistance programs.  Discover how to get help with rent, electricity, food, free phones, clothing, a free credit report, and more.  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 help pay rent.  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.

 Free Financial Help Programs

1. Low-Income Single Mother Assistance

Single moms are many times the sole providers for their families.  If you are single and need help support, many organizations can help you keep your family together.  Financial aid programs help with rent, education, utilities, and food—programs for single moms.

How to get Government Assistance When Pregnant

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).

2. Help with Utilities

It is devastating to lose mandatory services like water and electricity.  No one should live in the dark or without running water and heat.  If you have had your services shut off or are in danger of having them terminated, you can get assistance.  If you need help with utilities, programs can help you pay bills.


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3. Food Assistance

You can live without utilities, you can live without a permanent home, but no one can live without food.  That is why many community food banks are available to help endangered families all across the United States.   These food assistance programs help families feed their families.

4. Help with Free Furniture

Suppose you are moving into a new home after being homeless 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.  Holiday celebrations move to the back burner if you have lost your job or can not afford the basics like mandatory bills.

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, Christmas 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. Help with Rent

If you have lost your job or are unemployed because of a long-term illness, there are community organizations and charities in place to support you.  (Find out how to get help with rent)

9. Home Repair Grants

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

10. Charity Help With Bills

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)

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.


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.

According to Welfare Statistics and Demographics, 21% of those living in the US receive government assistance.  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 Help in Times of Need

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.  It 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 Assistance

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.

Low-Income Assistance Resources

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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