Financial Assistance
If you are struggling to pay bills, real help may exist.
This page brings together GFS guides for urgent money problems, monthly bills, work, tax help, home costs, and other everyday financial needs. Start with the section that fits your situation best.
Cannot pay a bill right now?
Call 211 first. It is free and can connect you to local emergency help in your area. Tell them you are a senior with an urgent financial need.
Call 211 first. It is free and can connect you to local emergency help in your area. Tell them you are a senior with an urgent financial need.
Need Help Right Now
Start here if the problem is urgent this month, this week, or today.
What to Do if a Senior Cannot Pay Bills This Month
A step-by-step plan for what to do first, what to delay, and where to ask for help.
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How Seniors Can Find Emergency Cash Help Fast
Fast routes to local help, emergency funds, and programs that may respond more quickly.
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Emergency Financial Help for Seniors
A practical guide to urgent money help, including local agencies, charities, and benefit paths.
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Church and Charity Help for Seniors Near You
Where to look first for fast local help with bills, food, rides, and other urgent needs.
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Local Financial Help for Seniors: Where to Ask First
The right order to call so you do not waste time when money is tight.
Start here
Help With Specific Bills
Find the guide that matches the exact bill or monthly cost you are struggling to pay.
Help Paying Utility Bills for Seniors
Help with electric, gas, and heating bills, including utility assistance and hardship programs.
Help Paying Water Bills for Seniors
Water bill help, discount rates, and hardship support for seniors who are falling behind.
Help Paying Medical Bills for Seniors
Hospital charity care, bill relief options, and next steps when a medical bill is too high.
Help Paying Prescription Costs for Seniors
Drug cost help, Extra Help, manufacturer programs, and other ways to lower prescription spending.
Low-Cost Internet and Phone Help for Seniors
Lifeline, low-income provider plans, and other ways seniors may lower monthly phone or internet costs.
Free or Reduced Transportation Help for Seniors
Ride help, reduced fares, and programs that can lower transportation costs for older adults.
Lifeline for Seniors: How to Apply
A federal program that may lower monthly phone or internet costs for qualifying households.
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How Seniors Can Lower Monthly Bills on a Fixed Income
Program-first ways to reduce what you pay every month without generic fluff.
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Government Programs You May Qualify For
Federal and state benefit paths many seniors miss because nobody explained them clearly.
Unclaimed Senior Benefits
Programs and financial help that many seniors never check, even when they may qualify.
Extra Help and Prescription Drug Assistance Programs
Drug cost support that may save qualifying seniors a great deal over the year.
Dual Eligible Guide: Medicare and Medicaid
What it means, who may qualify, and why it can reduce health costs and increase benefits.
Federal Poverty Level and Seniors
An important guide to the income rules many programs use for benefits and savings.
Help With Home Costs and Property Taxes
Grants, relief programs, and other ways seniors may reduce repair costs, tax pressure, and housing stress.
Home Repair Grants for Seniors
A strong starting guide for repair grants, safety fixes, weatherization, and related programs.
Financial Assistance for Home Repairs
Extra help for smaller repairs, accessibility work, and urgent fixes.
Property Tax Relief for Seniors by State
Exemptions, freezes, deferrals, and other property tax options that may lower housing costs.
Tax Help for Seniors
Free filing help, tax credits, and legal ways to reduce tax pressure.
Income, Work, and Being a Caregiver
Guides for seniors who need more income, flexible work, or help understanding caregiver pay options.
Can I Get Paid to Care for My Elderly Parent?
Some states let family members provide paid care at home through Medicaid-related programs.
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Best Part-Time Jobs for Seniors
Flexible work ideas that fit many older adults better than full-time jobs.
Best Flexible Jobs on Fixed Income
Work options for seniors who need extra income but still need flexibility.
Getting a Job for Seniors
Programs, job help, and next steps for older adults returning to work.
Making Money as a Senior
Practical ways to bring in extra income when Social Security is not enough.
Planning, Recovery, and Tax Help
Useful guides for income loss, tax questions, recovery after harm, and long-term money problems.
What to Do After Losing Retirement Income
A simple action plan for seniors who lost pension income or other retirement money.
How Seniors Can Find Lost Pensions
Free tools and steps that may help you track down pension money you are owed.
Elder Financial Abuse Recovery
What to do if you were financially exploited and where to look for real recovery help.
Senior Credit Rights After 65
A plain-English guide to age-related credit protections and lending rights.
More Related Guides
Extra guides that may help with money problems, recovery, transportation, or related costs.
Funeral and Burial Assistance
Ways families and seniors may find help with burial or funeral costs.
Retiree Health Plan Ending
What seniors should do next when retiree health coverage is ending.
Not Sure Where to Start?
Call the Eldercare Locator. It is a free national helpline that connects older adults to local programs for bills, housing, food, and other support.
1-800-677-1116
Free government helpline for older adults and caregivers
Looking for Help in a Specific State?
Programs, deadlines, and income rules can vary by state. Use your state guide to find the local paths first.
Browse all 50 states