• American Red Cross - Local branches of the American Red Cross provide Americans with help paying electric and heating bills. The Red Cross will also provide other forms of assistance, such as aid to military families, health and safety classes, disaster assistance, and other community services. The services provided by the Red Cross depend on the individual consumer need, and the Red Cross must also always keep extra funds in reserve available for emergencies. The Red Cross receives most of the money it has available to pay out from the United Way.
   
• Gradient Gives Back Community Outreach Program - This program provides families with direct financial assistance, including rent and mortgage payments. They also offer counseling, help with tax returns, budgeting skills, and more. Read more on Gradient.
   
• Operation Homefront - The non-profit charity organization Operation Homefront provides emergency financial assistance, grants, counseling, and other aid for military personnel. It helps those who are currently in the service, as well as ex- military. In addition they can also assist families of service members as well as wounded soldiers. Continue.
   
• Operation Round Up - Operation Round Up is an assistance program that is offered by utility and gas companies in many states. This organization, and the aid they will give provides energy assistance funds to families and individuals in need of help. In addition, the program will offer additional aid, such as help for paying medical bills, rent or housing costs, and more. Select your state to learn if Operation Round Up is available.
   
• United Way - Numerous utility companies across the country offer support and assistance to Americans to help them pay their electric bills. The utility companies will sometimes out source the administration of the program to the United Way. Please contact you local United Way office to see if they are aware of any assistance or support provided by your utility provider. A search box is at the bottom of this page.
   
• Salvation Family Emergency Services - You can also contact The Salvation Army for additional help paying heating, utility and electric bills. The Salvation Army Family Emergency Services unit helps support basic human needs. The Salvation Army will provide a safety net to anyone who has nowhere else to turn, and if those people need help paying bills. Some of the services provided by the Salvation Army include clothing, food, electric bill help and counseling. The Salvation Army also has many case workers that are part of the Family Emergency Services, and these case workers will help prevent homelessness through crisis intervention. You need to contact your local Salvation Army Chapter for more information on charity assistance and other services they offer. A search box is at the bottom of this page.
   
• Ways to Work Foundation - This organization helps families and individuals who can't secure loan funding or cash grants at traditional lending institutions. Funds provided can be used to pay for items such as unexpected bills, fix transportation issues and purchase prescription drugs. Continue.

Charity Health Care

• The Access Project - The Access Project was created to improve health care, strengthen community action, and help promote social change, especially for those who are struggling and in need of assistance. Among other services they offer a Medical Debt Resolution Program that may be able to help you with paying medical bills and debt. They can provide you with proven strategies and information to help advocate with insurers, medical providers, and public assistance programs to reduce and ideally resolve your medical debt. (617) 654-9911
   
• American Veterans Relief Foundation - Aid military veterans and their family members when they are burdened with mounting medical bills and debts. 800-215-6782
   
• CancerCare Co-Payment Assistance Foundation - This non-profit organization provides financial assistance and cash grants to people who need assistance with paying hospital and medical bills that result from a cancer diagnosis. Read more on help with cancer bills.
   
• Catholic Charities - They will offer medical bill assistance to those in need of help with health care bills throughout the United States. This charitable organization works closely with the Providence Healthcare Network to provide assistance and services.
   
• Children’s Health Fund (CHF) - This charity is committed to providing free health care to America’s most medically under served children as well as their families. It will provide medical care, help with medical costs, and essential services to children and families in need of aid, regardless of their ability to pay. (212) 535-9400
   
• Free Prescription Medications - There are several programs that offer discounted and free prescription medications. They include Dispensary of Hope, Together RX Access, NeedyMeds, and Patient Advocate Foundation. Click here to learn more.
   
• Free Diapers For Kids - The Diaper Bank (TDB) is a recently formed charity that provides and distributes free diapers to lower income families through existing service providers, including daycare centers, soup kitchens, food pantries, social service agencies, shelters and more. They provide free diapers through its extensive Diaper Distribution Network (DDN) of dozens of agencies and charities. 203-934-7009
   
• Free Medical Camps - This charity organization doesn't assist with paying past medical bills, but the organization does provide new and continuing health care for those who meet the income guidelines of this program.
   
• HealthWell Foundation - This is a charitable assistance organization that helps people pay for  prescription medications. This group provides financial assistance and grants to help patients to pay for various out-of-pocket health care expenses including health insurance premiums, prescription drugs, and a wide variety of other costs. More.

• Life Beyond Cancer - This non-profit foundation will help cancer patients with paying for their everyday living expenses. Grants and financial assistance is available for expenses including mortgage, monthly rent payments, food, car payments, and utility bills for cancer patients who are in active treatment. Click here to learn more.
   
• Medi-Corp Health System - This group provides and assists with charity care, payment scheduling and they can also negotiate and provide medical bill discounts for those in need of assistance with paying medical bills. If you plan on receiving care from this charitable program, you need to get approval in advance of your medical treatment. In addition, Medi-Corp also offers a discount program that enables lower bills for the both the underinsured and uninsured. Medical bill discounts are provided on a sliding scale, and those discounts will typically cover between 20 to 60 percent of the health care costs.
   
• Mission of Mercy, Inc. - Offers free healthcare, including prescription medications, dental care, x-rays and lab tests, to both the uninsured and under insured using volunteer healthcare professionals that operate from a mobile medical clinic. (717) 642-9062
   
• Modest Needs - A charitable organization that helps with securing a variety of medical bill assistance. Grant and funds provided can be used to aid qualifying individuals include self-sufficiency grants, independent living grants, back to work funding and more.
   
• Patient Advocate Foundation - This is a national non-profit charity organization that seeks to help safeguard and protect patients through effective mediation and assuring access to health care, help with medical bills, preservation of patient financial stability, and maintenance of employment in regards to their diagnosis of debilitating or life threatening diseases.
   
• Shepherd's Hope, Inc. - Free medical care is provided for lower income, uninsured families using
  an all-volunteer healthcare staff and services. (407) 876-6699
   
• Smiles Across America, Inc. - This organization provides preventive dental care to uninsured and lower income children in school-based settings. Some of the dental services provided include cleaning, education, sealants and fluoride treatments. (312) 836-9900
   
• UnitedHealthcare Children's Foundation - The UHCCF organization provides medical cash grants of up to $5,000 to children's families to help families in need pay for non-covered medical services, bills and expenses from their commercial health benefit plan.
   
• Find additional ways to save on medical bills and get help with medical debt, including free health care from hospitals, assistance from drug companies, medical billing advocates, and many others.
   
• Top Rated Charities to Help With Medical Expenses and Bills
  Below are the top rated charities that may be able to help with paying for specific medical conditions and expenses. Obviously contact the charity that may apply to your condition. For example, if you have arthritis needs, contact the “Arthritis Foundation”.
• American Brain Tumor Association
• American Kidney Fund
• American Liver Foundation
• American Lung Association
• American Parkinson Disease Association
• Arthritis Foundation
• Crohn's & Colitis Foundation of America
• Cystic Fibrosis Foundation
• Diabetes Research Institute Foundation
• Epilepsy Foundation & Research Foundation
• First Candle/SIDS Alliance
• Huntington's Disease Society of America
• Juvenile Diabetes Research Foundation International
• Lupus Foundation of America
• Lupus Research Institute
• Michael J. Fox Foundation for Parkinson's Research
• Muscular Dystrophy Association
• National Hemophilia Foundation N.O.
• National Jewish Health
• National Kidney Foundation
• National Organization for Rare Disorders
• Parkinson's Disease Foundation

Credit Card Debt - Free Consultation

• If you have over $10,000 in credit card debt, you can get help. USA Debt Help will put you in contact with organizations that have helped tens of thousands of people who have over $10,000 in credit card debt. They have helped some people eliminate over 50% of their credit card debt. You can request information for free, and you have no obligation. They will put you in contact with a debt settlement company who can rapidly help you eliminate your debt and get your financial situation under control. You have nothing to lose by trying the service.
  

  Looking For a Way Out if Debt? Sign-up Now For a Free Consultation.

   

Energy Bills

• Citizens Energy Oil Heat Program - Free and/or discounted oil
  Citizens Energy works with CITGO. This program, in cooperation with thousands of local fuel assistance agencies and heating oil dealers in 17 states, provides delivery of free home heating oil to those who need help across the Northeast and other cold weather states. This year, the Oil Heat program will provide qualified families a one-time delivery of 100 gallons of free home heating oil. State that are eligible for aid include AK, CT, DC, DE, IN, MA, MD, ME, MI, NH, NJ, NY, PA, RI, VA, VT, WI.

Mortgage

• The organization Home Foreclosure Fighter has helped over 100,000 families who are behind on their mortgage. It is free to request info, and you have no obligation. You will be put in touch with loan servicers who can assist you. Register to request free mortgage modification proposals.
  

  Behind on your house payments? Our loan modification experts can help you save your home.

   

• Free Home Repairs - In addition to receiving mortgage assistance from Loan Modifications Pros per above, there are also numerous programs offered by charities and other non-profit agencies that will either provide direct cash grants or very low interest loans that will pay for home repairs. Click here to learn more on this resources.

Education and Employment

• Angels' Place, Inc. - They have a comprehensive support center that helps lower income, single parents stay in school by offering them FREE childcare, tutoring, career planning, counseling, and also informal parenting classes. 412.321.4447
   
• Dress for Success - The goal of the Dress for Success organization is to promote the economic independence of struggling or disadvantaged women by providing professional attire, career development tools, and a network of support to help women be successful in both work and in life. They are located in more than 90 cities in the US. 212.532.1922
   
• Mercy Education Project - This group dedicated to providing education, academic and life skills help to assist at-risk women and girls in achieving academic success and with a goal of eventual self-sufficiency.
   
• The Midnight Mission - Provides help to the homeless through education, counseling, job training, and job placement. They also assist by providing shelter, food, clothing, personal hygiene needs and health care.
   
• Reading Is Fundamental, Inc. (RIF) - The RIF organization provides free books for children across America to help in their education, and they are free to choose and keep the books. By promoting a love of books among kids, RIF will encourage children's literacy and also involves communities across the nation.

Charity Organizations for Food and Groceries

• Angel Food Ministries - This is a non-profit, non-denominational organization that is committed to providing grocery bill relief and other financial support to people and communities throughout the United States. They help and serve hundreds of thousands of families every month across 35 states. There are no applications, qualifications, income restrictions, or minimums. 1-877-FOOD-MINISTRY
   
• Feeding America - The nation leading hunger-relief charity is Feeding America. Every year, the Feeding America assistance network helps provide food to over 25 million people with hardships or facing hunger in the United States, including helping over 9 million children and almost 3 million seniors in need. They have a network of over 200 food banks serving people in all 50 states, the District of Columbia and also Puerto Rico. They distribute more than 2 billion pounds of donated food and grocery items annually.
   
• Share Our Strength - Includes a network of community groups, food programs, and activists to help make sure that no kid in America grows up hungry.

Transportation

• 1-800-Charity Cars - This is America’s #1 Car Donation Charity. It provides donated vehicles to struggling families in need of transportation, provided they are willing to work and become self-sufficient, tax-paying members of the community. The Charity Cars assistance program will provide a vehicle that has been refurbished to insure both reliability and safety of the vehicle, and they may also provide at times a license plate, the down-payment to pay for insurance bills, a service warranty to help with future repairs, and also case management services to families willing to work to pay their bills. 1-800-242-7489
   
• Free Gas USA Inc. - Provides grants that can be used for free gasoline for low income, elderly, and disabled Americans. Continue.
   
• Opportunity Cars - Over 150 nonprofit organizations around the nation are part of this program. They are all dedicated to increasing private automobile ownership for low income working families who can’t obtain their own transportation. The automobiles are to be used to help people find and keep their jobs. They may give away used cars for free, providing matching grants, or offer low interest loans. Learn more.
   
• Ways to Work in an organization that provides people with low interest rate auto loans. The loans can be used to help a family or individual purchase a new or used car, pay for car repairs and maintenance, and it can assist with other transportation expenses. Learn more about Ways to Work auto loans.

 

Additional assistance that is provided by your local government that can help you with paying bills or that can also help you with paying your mortgage and foreclosure assistance.

Charity organizations offer numerous programs and resources that can be used to provide you with short term help. If you need assistance, you should take advantage of these programs and the aid they offer.