Programs To Lend A Helping Hand During Financial Difficulties

If you are stressed about paying your bills, you should know you are not the only one. Families and individuals across the country are stressed about debt and emergency funds. Although getting financial assistance may seem complicated, there are many resources that can help. In no time, you and your family will be on the path to financial security.

Government Resources

The government provides emergency financial assistance for those who find it difficult to pay their bills, to help them avoid going bankrupt.

Government Food Programs

Temporary Assistance for Needy Families (TANF) gives each state federal grants so that they can run their assistance program. Each state's eligibility programs and requirements differ, but they help families struggling with necessities, including housing and food.

Utility Assistance

Another federal program, the Low Income Home Energy Assistance Program (LIHEAP), regulates the temperature in the homes of those who need it in the summer and winter months. This program also aids with low-cost maintenance or repairs to air conditioning or heating systems.

Housing Assistance

The U.S. Department of Housing and Urban Development (HUD) is a program that offers grants and subsidized housing to struggling families.

Another housing program is the Housing Choice Voucher Program (Section B) which helps individuals and low-income households find affordable housing options.

Medical Assistance

There are a few ways low-income individuals and families can get help from the Medicare Savings Program. This includes help paying for deductibles, copayments, patient care, premiums, and other medical costs.

Nonprofit Resources

Along with government programs, nonprofit grants, and programs aim to provide housing and food to individuals and families in need.

Food Programs

One of the most popular nonprofits is Feeding America, which provides emergency food help using its resources of 60,000 food programs and pantries and 200 food banks across the country. This nonprofit program also helps individuals apply for government programs and looks after their application process, making them eligible for long-term assistance.

Utility Assistance

United Way has introduced a program called 2-1-1 that helps families and individuals by offering various services and utility assistance. When you call 2-1-1, you get help from trained experts.

Another nonprofit utility program is Modest Needs. This program offers financial help for various needs, primarily focusing on utility bills, housing costs, and other short-term basis requirements.

Medical Bills

The HealthWell Foundation recognizes that many uninsured individuals and families require help with their hospital bills. This nonprofit program helps pay out-of-pocket and premium bills. The foundation checks the individual's health insurance coverage, medical condition, and income level to qualify for this program. It also assists families with medical debt.

Another nonprofit for medical bills is the National Association of Free & Charitable Clinics (NAFC). This program recognizes that affordable healthcare is a basic necessity and should be accessible to everyone. It has opened 1,200 clinics in the United States to help pregnant women, individuals who need financial assistance with surgeries, and families who require assistance with other medical care.


Struggling households and individuals who require assistance with paying their bills can get in touch with any of the above programs to find financial freedom.

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