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Do You Need Help Paying Bills? Here’s What to Do


We are in an unprecedented situation. The coronavirus (or COVID-19) is going to significantly impact the world economy, just how bad things are going to be, we can only speculate. But right now, things are already dire for some of you. If you need help paying bills or other forms of financial assistance, this post has a comprehensive list of resources.

Millions of Americans are out of a job in record numbers.

A record 3.3 million people filed claims for unemployment in the US last week as the Covid-19 pandemic shut down large parts of America’s economy. The figure is the highest ever reported, beating the previous record of 695,000 claims filed the week ending 2 October 1982.

Many of you reading this may be among that 3.3 million. A stimulus plan is coming, but we don’t know when. Unemployment benefits and stimulus checks could be weeks away.

While we wait for Washington to finish wrangling, we have mortgage payments, rent payments, utility bills, phone bills, the list goes on, that we have to pay.

To say nothing of our credit card bills and student loan debt.

But if you need help paying bills, support is available. We’ve made this list as exhaustive, comprehensive, and up to date as we could.


The coronavirus relief package, which is expected to fully pass in late March, greatly expands unemployment insurance. The first thing you should do is apply for unemployment benefits in your state if you’re eligible.

Getting unemployment may mean you don’t need help paying bills, or at least will need a lot less.

Federal Benefits

There are two main categories of government assistance benefits. Pandemic Unemployment Assistance will cover those who can’t work because of the outbreak, and that includes those in the gig economy, independent contractors, those who are ill, and those caring for an ill loved one.

The second part is an extra $600 a week for the next four months for those who have lost their jobs and are getting unemployment benefits in their state.

The $1,200 stimulus checks aren’t going to do much to help people pay their bills over the coming months, but the unemployment benefits will.

Once you’re receiving unemployment insurance in your state, you will be eligible for the $600 per week the federal emergency plan provides through July 31, 2020, on top of your state benefits.

And the $600 is across the board, it doesn’t matter how much you were making.

State Benefits

The weekly state benefits vary by state, and you can find a complete list here. Massachusettes leads with a maximum benefit of $742 per week while Mississippi is bringing up the rear with a max of $235 per week.

The number of weeks benefits are available also varies and is available on the linked chart.

Note: Most states provide up to 26 weeks, but this new bill provides an additional 13 weeks.

After that, an extended benefits program could be triggered, which will give an additional 13 to 20 weeks of state unemployment benefits.

Part-Time Benefits

If you worked part-time before this or your hours were cut because of it, your benefits will vary by state. Some provide unemployment benefits for part-time workers, and some don’t.

The bill provides funding to states that want to extend benefits to those who lost hours but were not laid off, but not all states will participate, and it’s up to each state to decide that.


Bills assistance


Healthcare is one of those topics has been in the limelight for a long time now. With the lack of a foolproof, comprehensive plan, the costs associated with medical equipment, medicines and treatment at a health facility or a hospital are rising. As a result, many people are finding it difficult to manage the costs associated with the same. Hence, many organizations, foundations and even some private donors offers assistance in paying of medical bills in the form of free grants or through other assistance programs.

Examples of people being in situations where they cannot pay off their medical or health-related expenses are common these days. That’s not all; stories of single-women and many people who’ve suffered as a result of job cuts not being able to afford heating bills have made the news this winter. This has been going on cold-weather States across the United States. As the cost of heating oil became exorbitant, families were no longer able to pay their rent & bills. Eventually they faced eviction or foreclosure, and many lost the best investment they ever had.

There are many organizations that offer specific funding and get involved in donating money to the needy through programs that offers utility bill assistance to affected families. These families just need to quality for these programs. The Home Energy Assistance Program offers a lot of help to people to ensure that they are not displaced because they can no longer cope with utility bills. An important factor in determining what you receive is the location where you reside. State regulations and the quantity and type of fuel consumed also play a part.

It has become common for many foundations to help out people with regards to their bills. Another area where this is common is personal healthcare or medicare for your family. Many programs offer the same benefits these are run on the local and State level. The kind of money you stand to receive depends on a variety of factors such as your income, the number of family members you support, etc. Please note that these cannot be used to pay off debt or used as a personal loan. assists you in your hunt for monetary assistance, Personal funding, funding for your needs and help with regards to bills and payments. You can initiate this process by applying on our website. When you approach us to help you get grants, we will ensure that you get the best there is out there and solve your financial dilemma immediately, and put your burdens to bed.



The number of businesses owned by women continues to rise. In the 21st Century, women have been ambitious entrepreneurs and have opened new businesses or even expanded existing ones. Many women have been beneficiaries of grants or capital infusion from the government or private donors. Money from these grants has helped women set up new business or expand existing ones. To apply for funding, you need to know which exact opportunity to apply for. Many fraudsters exist in this domain and as a result, you need advice from trusted, reputed people with vast experience in this field.


The Federal Government has made it abundantly clear that it wholeheartedly supports enterprising women. As a result, they government has many available avenues to fund or provide capital injection to women owned business.

To avail of these opportunities, you need to write an application and describe why you need money and how you’re going to use it. This is where we come in. We will advise you on the application and advice you on the strategic aspects. If you are successful in receiving a grant, you do not have to pay back the money to the government. The money is yours, free and clear!

When you receive funding from the government, the possibilities for you to invest or grow your business are quite limitless. For example, you may want to start a retail store that sells slightly used clothing. This may be the start of a second career for you. If you own a business and have had to shut it due to the economic downturn, you can avail of government loans to restart it. This is the spirit of true enterprise in the American way, and the government wants to help women who want to help themselves.

While the economic downturn seems to be subsiding, we are still not in the greatest of financial positions. When you need help on how to start a business, the government is the first person you should turn to for help. The Federal Government has many plans in place to assist you and ensure that you have all the resources you need.


Grant writing isn’t the easiest thing in the world. You need to take into account several things and make sure that you have a detailed plan for what you’re going to do with the money. Remember, the competition for receiving monetary assistance is fierce; you need all the help you can get.

At, we’re committed to providing you with the information and resources you need to secure counseling grants to start your own women-owned business venture. When you partner with us, you save yourself a lot of headaches and by using our specially designed research tool that you can access when you want and where you want. Follow your dreams, because an affirmative “Yes” to your grant proposal will make all your wishes come true!


Free government and personal help with paying bills.


Free government and personal help with paying bills.

Find where to get government hardship or personal grants. There are resources for low income families, single mothers, the disabled, the unemployed and others in need. The government or free charitable grants can give cash to help pay for housing, rent, utilities, a new car, medical supplies or even transportation costs. Or funds can help those seeking to start a business or pay for job programs.

Private foundations, states, charities and the federal government give away billions of dollars in free grants each year for anything. Learn more on where to apply below, or another good place about them is a local agency in your state or county. Find a listing of state as well as local assistance and grant programs. There is a separate application process for each one of them.

Every year the federal government provides billions of dollars to various agencies (including many non-profits) so that those organizations can give free grants as well as cash to US citizens. There may also be help given to newcomers as well, including refugees as well as immigrants. The goal is to help a recipient pay their bills or address any other needs. Whether it is an outstanding utility bill, a grant to pay for holiday travel, or for housing such as rent or a mortgage payment to stop homelessness, the organizations want to help.

Most people never even apply for a free government or personal grant as they think it isn’t for them, they do not know who to contact, or they think there is too much red tape. However, the truth is that people from all over the country, from all walks of life, receive free grant money as well as other financial benefits from the government. Most are for low income or struggling households. Or there are grant programs for single moms, minorities, women, students and others. How to find government grants.

Grants for free gasoline and cars

There is a program offered by Free Gas USA Inc. that can provide low income families, the elderly, or disabled with anywhere from $50-$1200 in free gas. Other organizations provide low income consumers with free cars, matching grants, or low interest loans for automobiles. Find a listing of charitable gas and car programs.



State assistance and grant programs

Many states will provide assistance that can be used to help pay bills and debts. While they may not be called grants, the fact is you can still get help. Almost all of these are targeted at low to moderate income families. Find more on state assistance programs or state grants.

Find grants and help with bills from charities

There are organizations and charities, such as Operation Round Up, that can help the low income facing a hardship or others with paying bills. That particular grant program covers energy costs. But there are literally hundreds of other charities offer grants for paying bills. Find some of these organizations from charities.

Free personal grants

You can get grant money to buy a new home, buy a new or used car, repair an existing home, help pay bills and debt, travel the world, and much more. Many of these are unclaimed. There are also many other financial aid and grant programs that have been created just for the disabled, seniors, the mentally ill, veterans, and lower-income earners.

Tens of Thousands of Dollars In Personal Grants!

  • Mortgage Payments
  • Home Purchase
  • Home Repair and Improvements.
  • Help Pay Rent
  • School Supplies
  • Real Estate Taxes
  • Heating and Utility Bills
  • Childcare Expenses
  • New Car & Fuel
  • Groceries. Find grants for food assistance.
  • Clothing
  • Housing Assistance
  • Free computers - laptops and desktops.
  • Consumer and Credit Card Bills and Debt
  • Legal Services
  • Free Christmas Money and Gifts
  • Public Transportation
  • General Living Expenses
  • Lesson Payments
  • Tutorin

Many unions offer additional grants for members that can help them pay their mortgage, rent, and other everyday bills. If a job has been outsourced, or if the members are on strike and facing financial hardship, these grants help pay the bills during that timeframe. The program is known as Union Plus mortgage assistance.

Disability benefits

The Social Security Administration is the main government organization that provides free hardship grants, cash and financial assistance to the disabled. With studies showing that about one fifth of the population will file for some type of disability compensation at some time in their lives, the program serves as a safety net for the workers of this country. Assistance provided can include Social Security Disability Insurance (SSDI), grants for medical care, veterans compensation, SSI or Supplemental Security Income, and other aid. More on disability financial assistance programs.

There are several other grant programs available from the federal government for a wide variety of needs. These are in addition to what SSA provides above. The financial support can help a lower income client with a physical or mental disability make it through an emergency and it also provide for long term stability. Find disability grants.

Energy bill grants

Most utility and electric providers offer some forms of emergency financial assistance as well as crisis grants to their customers. They help keep the heat as well as electricity on. In many case a local non-profit agency or charity may run the grant program for the energy company.

the grants are offered by either non-profits, state agencies or the utility companies themselves. Low to moderate income customers have different programs to apply for. Get a listing of state energy programs.

Government grants for housing, food, mortgage and rent hardships

There are grants available from both the federal government as well as local charities that focus on housing needs. Some of them will offer assistance with paying rent while others will address additional costs. This may include a grant to pay for household items, counseling, and anything the family needs. Find some resources that show families how to locate housing assistance.

Each year the federal government disburses grants to local charities and non-profits as part of the EFSP - Emergency Food and Shelter Program. While the scope of the hardship program is limited and not all communities participate, when it is available grants can be used to pay for a variety of basic needs. This can include a rent or mortgage payment, security deposits, moving costs, or food supplies. Read more Emergency Food and Shelter grant program.




Business grants

If you are thinking about going into business for yourself, or if you want to expand your existing company, you need to check out the governments biggest 'money-stop' (grant programs). There are numerous private and public organizations that help entrepreneurs (or business owners) as well as state government programs for small businesses.

They offer free money to expand or start a business, with funds allocated to the low income, female, and minority owned companies among others. The grants are ready to be giving to you by the federal government, state or companies to help start a business. The funds pay your bills, provide capital and help with debts during this period. Find a list of minority and women business grants by state.

With an economy that remains unpredictable, and with the nations overall need for even greater economic development in all states as well as inner cities that often have disproportionate Black and Latino business owners, the federal government is very willing to give you the funds you need to help own your own business. There are also business grants to help single moms pay their bills or women owned companies. Or minorities as well as immigrants can get entrepreneurial support.

If you are considering of expanding or starting a business, a business grant is the grant for you. In fact, companies like Intel, Nike, Amazon, FedEx, Compaq, and Apple all received grants and financial assistance when they were young. So while these are more challenging to get, they do exist.

The U.S. government absolutely understands that small business is essential to a healthy, vibrant economy. As a result, there are many grants available and also low interest loan programs that are available to help stimulate small business. This can be critical funding during a challenging period, the the money will help pay business related bills. As a result of the stimulus plan, the government even created a new interest free loan program.

Receive Hundreds of Thousands In Business Grants!

  • Startup Expenses
  • Expansion expenses
  • Salaries
  • Business expenses
  • Overhead costs
  • Acquisition expenses
  • Loan and Equipment financing
  • Rent Payments
  • Employee training
  • Free business consultation





Military Service member grants

The military offers a Military Homeowner Assistance program that will help service members and their families with paying for housing. The program will help prevent a foreclosure, assist service members with homes in which the mortgage amount due is greater than the value of the home, provide them with moving assistance, and other housing aid. Continue reading about the Military Homeowner Assistance program.

Veterans and their families may also be eligible for rent assistance, security deposit aid, and eviction prevention services. Most of these use grants from a government agency known as HUD. The resource is commonly called the Veterans Affairs Supportive Housing Program rent assistance program. It provides cash grants, job placement, and other assistance to those who served our country.

The military also offers several free educational grants and professional certification grants for spouses of military members. They recognize that constant redeployment of military families can make it challenging to improve job skills, so this grant program was created to help. Read more

Education grants

Both the federal and state governments want a more educated and technology oriented country. They will help connect you to the best sources for free scholarships, grants, and also low interest, no interest, and guaranteed loans. Personal as well as educational grants can help women, teens or students, including from disadvantaged families, for for educational costs. In addition to education grants, learn how to get help with student loans.

Receive Education Grants for:

  • Undergraduate School
  • Graduate School
  • Secondary School
  • Nursery School
  • Primary School
  • Preschool School
  • Medical School
  • Military Spouses
  • Child Care
  • Environmental Science
  • Business Management
  • Computer Science
  • College Scholarship programs
  • Many other disciplines

There are many other employment oriented resources. Learn more about federal government education grants.

Health care grants

The government also helps those Americans who are in need of health care or assistance with medications as well as paying for medical bills. The grants can help a patient pay down their debts to avoid a bankruptcy. Find information on how to both improve access to care and to get help with paying your medical bills. In additional to grants, there are other ways to get help with medical bills.

You Can Receive Health Care Grants for:

  • Nursing homes
  • Prescription medicine
  • Alzheimer's disease
  • Sleep disorders
  • Stroke
  • Parkinson's disease
  • Alcohol and drug abuse
  • Mental and emotional disorders
  • Learning disabilities
  • Dental care
  • Eyeglasses
  • Free grants to pay medical bills.





Free grant programs

There are many different types of free grants for people from all walks of life. Government funds can help low income families or certain types of people, such as the unemployed, women, men, or single moms or others. There are government grants for families in a hardship or funds for personal needs, a business, or anything that the household needs.

While each and every grant program (as listed above) has its own application process as well as limited resources, it is possible to get help financial help or free items. using the list above, as well as search bar at the top of the screen, find a grant for what you need assistance with, whether personal, business, educational, or medical needs.


One can apply for Government Grants- Money You Never Pay Back

Free Government Grants- Money You Never Pay Back

The United States Government understands its responsibility towards the welfare and safety of its citizens. It steps in to help the people when they need it the most. Our Government offers its help in the form of free government grants and other personal assistance programs to make the lives of citizens easier. Everyone who has a dream and need can get grants from the government as long as they qualify for the different programs the government offers. This just doesn’t apply to individuals - even small and big companies and non-profits can take advantage of these grants and assistance programs.

Applying for government grants is easy and can be done with the help of a few clicks on the government's website for government grants. Expert staff has been employed by the government to offer quality services to the citizens. The experts facilitate the process of getting the grant for you if your proposal has any merit to it.

Every year, more than $80 million is given out to individuals, colleges and businesses in the form of free government grants. There are certain eligibility requirements that one has to fulfill in order to get a grant but no credit check is done before the grant is given. Also, there are no collaterals involved and most of the cases do not even need income verification. Your interests have to match the goals that have been set by the free grants program and the government will offer you the cash grant that you are in need of.

The free government grants are very popular with the public because the funds given by the government do not have to be paid back. There are certain terms of the federal education grants and you have to follow it. The money received as a grant has to be used appropriately according to the directions and regulations of the grant program.

You can take a look at the terms and conditions of the grants before you apply for the grant to make sure that you can follow them. This way, you will get to know of the acceptable expenditures under the law. Find an online grant database as this is the easiest way to look for free government grant money. Millions of people apply for free personal assistance and they feel they have nothing to lose and everything to gain. Remember that government grants are not available for personal expenses or for paying off debt but there may be other assistance programs from other organizations to help you out with your personal situation.

Perhaps you are currently unemployed, working part time, have credit card or personal debt, or are ill. Free Personal grants from the government include a wide variety of grants that include all of these needs. These grants are available for emergency or long-term funding to get you back on your feet.

There is no limit to the amount of personal grants that you can apply for, nor how much you will be awarded. Individuals are being awarded up to $250,000 in personal grants, to help out with so many personal needs! And your credit history is not a factor, as this is money that does not have to be repaid.

Personal grants are most commonly awarded through your local, state or federal government branches; and occasionally can be found through private sources.

Personal grants are most plentiful for families in need. If you are a low income family you could be eligible for childcare grants, grants to help pay your rent and even groceries. So far in 2009 over $162 million in federal grant money has gone to temporary assistance for needy families. At this rate, personal grants to these families are surely to pass last year’s $17.3 billion in total federal grant money given for the same cause.

If you are a disabled person there are also many personal grants that you could be eligible for. Many people with disabilities are perfectly capable to live on their own, but unfortunately lack the funds to equip their houses with the tools necessary for them to move about. The government recognizes their unfortunate predicament and gives personal grants to these people to encourage independent living. With the money awarded, individuals construct ramps into their houses, and make other necessary home renovations.

Disabled individuals will also be pleased to learn that last year $175.5 billion in federal grant money went to medical assistance programs which among their resources, provide home nurses or attendants free of charge to help disabled people living at home.

Most American citizens will find that regardless of their financial situation, age, or race they will qualify for a variety of personal grants.

Below are just some of the many reasons that you could receive personal grant money:

Home Repair
Mortgage Payments
School Supplies
Real Estate Taxes
Utility Bills
Child Care/Day Care
Legal Services
Medical Bills
Public Transportation
General Living Expenses
Housing Assistance
Consumer Debt
Lesson Payments

One of the great things about being an American citizen is that you have access to free government grants. It is therefore a very good idea to apply for any free grants and/or free grant money you may be eligible for.