Help Paying Bills and Rent: Find Official Programs

Updated October 2026 · No sign-up — your data stays on your device

Behind on an electric bill, rent or your phone? Answer 3 quick questions to see real government and major nonprofit programs that may help, with links to apply. United States first, plus the UK, Canada and Australia.

Find help nowHelp by state

Find bill help

1. Where do you live?
2. What do you need help with?
3. Do any of these apply? (optional)

Some programs give these households priority. This never rules you out.

Check eligibility with the program. Rules, income limits, dates and funding change and differ by area. This site is a directory of official and major nonprofit help. It is not legal or financial advice, and we are not connected to any program. Official programs don’t charge a fee to apply.

Electric & gas bills

LIHEAP, utility hardship plans and weatherization.

Electric bill help →

Rent

Housing vouchers, local emergency help, housing counselors.

Rent help →

Deposit & first month

Where to look for move-in costs.

Deposit help →

Seniors

Priority energy help and benefit checkers.

Help for seniors →

Phone & internet

Lifeline and social tariffs.

Phone help →

Outside the US

UK · Canada · Australia

Energy bill help by state

Each state runs its own LIHEAP program. Pick yours, or use the official state contact list for every other state and territory.

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Frequently asked questions

How do I get help paying my bills?

Start with your utility or landlord and ask about payment plans or hardship programs. Then apply to official programs: in the US, LIHEAP for energy bills, Lifeline for phone or internet, and your local public housing agency or 211 for rent. Use the finder above to see the programs for your country and need.

Can I get help paying my electric bill?

Often, yes. In the US, LIHEAP helps eligible low-income households with heating and cooling bills and energy crises like shut-off notices. Apply through your state or local office. See help paying your electric bill.

Is there still emergency rental assistance?

The federal Emergency Rental Assistance program has ended (its final funding period ended on 30 September 2025). Some cities, counties and charities still run their own rent help. Call 211 or see help paying rent.

Who can get help?

Each program sets its own rules, usually based on household income and size. Many energy programs give priority to households with an older adult, a person with a disability or a young child. Always check eligibility with the program.

Do I have to pay to apply?

No. Official programs don’t charge an application fee. Be careful of anyone who asks for money to “guarantee” help.

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No sign-up is needed. Your choices are saved only in your browser so the finder remembers them.

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