Where to Find Help Paying Bills

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Some things, like food, is fairly easy to find help with, Others, like bills, may not be so easy though. Borrowing the money, through means such as payday loans, may be helpful if you have a very temporary need and a steady enough income to pay it back in a timely manner. However, these types of loans tend to have lots of fees and very high interest rates. If this isn’t an option for you, there are programs that can help you with certain bills. Some of these programs are run by the government and others are through charities. These five programs are the best known for help with bills.
This program, referred to as LIHEAP for short, helps low income households with assistance with their energy bills as well as various alternative energy options. They are especially useful during the winter and fall, when energy use skyrockets. 
This nonprofit provides grants to individuals experiencing emergency financial hardship or having trouble paying a bill due to extenuating circumstances. Recipients must be employed and there are certain expenses that they are not permitted by law to assist with. Visit their page for more information.
State Human Service Agencies
Your state’s human service agency provides direct aid and referrals to those in need. Visit the American Public Services Associations’ state human service agency directory. Contact your state’s agency and ask about how to get help with bills.
TANF, or Temporary Aid for Needy Families is a government program designed to help families in their time of need. If your family is struggling to pay bills, this may an ideal program to turn to for help. To find local assistance with TANF, simply click the link above and choose your state from the drop down menu. You will be shown a list of offices in your state. Find the one nearest you and contact them for help with applying.
If you need more long term help paying bills, it may be worth it to see what benefits you may be eligible for. There is a surprising number of them available (272 just for food and nutrition) and you could qualify for benefits you didn’t even know existed. All you have to do is answer questions and it will list the benefits you could be eligible for.
As you can see, help paying your bills can be long-term or short-term. The amount of time it will take to get help also varies. Check out each of your relevant options to see what will be the best fit for your situation.

By: Alecia Stanton

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