22 Ways to Get Help Paying or Lowering Your Monthly Bills

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man on the floor going through bills

Get Help With Bills

If you’re like most people, you don’t like to ask for help. Unfortunately, there may come a time when help is exactly what you need. Frugality is one way to lower your bills, but there may be times when you simply can’t cut your spending any further. Keep reading for tips on how to get help paying or lowering your monthly bills. 


Related: 21 Ways to Reduce Your Monthly Bills When Money Is Tight

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How to Get Help Paying Health-Related Bills

Healthcare is a major expense for many people. Unfortunately, when you are sick or injured, there is also the possibility of being unable to work. Lowering healthcare expenses can go a long way toward keeping on top of your monthly bills. The following are some strategies to try.

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Receive Care From a Community Clinic or Health Center

  • If you don’t qualify for Medicaid you can receive low- or no-cost healthcare at a local community clinic or health center. They will base your payment amount on your income. 
  • The best way to find care is to search for community clinics near you

Medical cost, payment, medical paying

Lower Your Prescription Costs

  • You can sometimes lower your prescription costs by contacting pharmaceutical companies directly. According to USA.gov, you can "ask for any low-cost options, samples, or discounts."
  • Some local social services can also provide financial assistance for prescriptions. 
  • If you qualify for Medicare, you may be able to get help paying through Medicare Part D.

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Get Your Dental Care From a Dental School

  • Many dental schools offer low-cost options for preventative and restorative care. The catch is that a student will provide your care and practice their skills. 
  • Typically, a licensed dentist will supervise the procedures, but it is best to ask. 
  • Find local programs through the Commission on Dental Accreditation website
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Go to the ER if You Have a Medical Emergency

  • If you’re having a medical emergency, all emergency rooms are required to provide stabilizing care even if you can’t pay. 
  • You should only use the ER in a medical emergency. 
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Use Charity Care Programs and Your Local Hospital

  • To find out about payment plans or charity care programs you can contact your local hospital. 
  • Eligibility and availability vary by hospital, but it is worth looking into if you can’t pay your medical bills. 
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How to Get Help Paying Energy Bills

Day-to-day bills are another area of concern for many people. If you have already tried using energy-saving habits, there are other options. Governmental and company-specific programs exist for when you need help paying your energy bills. The following programs and tips can help you avoid living in dangerously hot or cold conditions. 

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Enroll in an Energy Assistance Program

  • Low Income Home Energy Assistance Program (LIHEAP) provides federal assistance if you meet the criteria. 
  • You can get help paying energy bills as well as weatherizing your home. Even energy-related home repairs may be paid for through this program. 
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Contact Your Energy Company Directly

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How to Get Help Paying for Housing and Food

Paying for food and shelter comes with significant costs for most individuals. If you can’t pay your bills, you may worry about ending up homeless or hungry. Whether you’re down on your luck or experiencing sustained difficulties, you have options. Here are several strategies that can help lower these types of monthly expenses. 

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Talk to Your Landlord

  • Discussing your situation with your landlord may also be an option. 
  • You can ask them about temporarily lowering payments or allowing you to pay later than usual without incurring a fee. 
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Multi-ethnic group of volunteers work at food bank.

Visit a Local Food Pantry

  • Food pantries in your community may also be able to help depending on your circumstances. 
  • Some food banks require proof of eligibility while others are open to anyone, no questions asked.


Related: Where to Apply for Food Assistance in Every State

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How to Get Help for Other Expenses

Food, shelter, and healthcare are the primary needs of all people. However, depending on your situation, you might still need more specific help. Federal and community-based programs can help you pay your other bills through fee reduction, job training, or other income assistance. Let’s look at the options. 

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Use Social Security if You’re Disabled

  • Another way to get income assistance is to apply for Social Security Disability Insurance or Supplemental Security Income if you’re disabled. 
  • To apply, you can complete an application online, via mail, over the phone, or at your local office. 

Related: 19 Surprising Facts About Social Security

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Reach Out to Local Charities

  • Sometimes community organizations provide quicker relief to locals. 
  • Depending on where you live, local charities may be able to provide food, clothing, housing, and more.
  • America's Charities offers a searchable list of organizations, but be sure to search online for additional options.
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Ask Your Church for Help if You Have One

  • If you attend a church, or even if you don’t, members and staff may be able to help. 
  • Help from a local church is more likely to be temporary and not as predictable as federal or state assistance. Still, it doesn’t hurt to ask and may provide quicker relief than other programs. 
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Ask for Help from Family and Friends

  • It may be time to swallow your pride if you have friends or family that can help you. 
  • Many finance experts also advise receiving a gift rather than a loan, as you don’t want your ability to repay to affect your relationship. 

Related: 15 Mistakes to Avoid When Loaning Money to Friends and Family

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