Getting Government or Non Profit Debt Help While Unemployed

 Getting grants to pay your bills while you are unemployed or non profit debt help may not be easy as pie, but it is very much possible.  While searching for grants from the government and non profit organizations to help you pay your bills while you are unemployed you should keep a realistic presence of mind. Know that while you may be suffering and your case is unique and special to you, there are other people out there who are suffering as well and need financial help to get by while they are unemployed. With that said, you should be hopeful but at the same time, be realistic about the time that it will take for you to get a grant to pay your bills from non profit organizations.   You should make it a point to search all avenue of possibilities to get the non profit debt help you need.


What Is Free Grant Money?

Grant money is money from the government or from another entity such as a church or a non profit organization that you DON'T have to pay back.  The money is usually given to you on a need basis and after meeting certain financial and income qualifications. It is not an emergency loan that you have to pay back.  Usually if you meet the qualification and they have money available you should qualify for grants.  Since grant applications for businesses and for personal needs such as school, housing and so forth is so competitive, you may have a better chance of applying for local grants to narrow down the competition.  Your local library will have a list of local, state and federal grants for all of your needs.


So Where Do I Look For Grant Money To Help Pay Bills While I'm Unemployed? puts you in touch with their over 1000 benefits programs available to you in your time of needs. First of all, don't pay attention to any commercials you have seen on television telling you the government has free money for you.  The government does have money available for those in need, but there is a qualification process.  So don't be tricked into thinking that all you have to do is go and say "I need free money to pay my bills," and that they will just give you money.  You have to go through the application process and they will see if you qualify for any of the 1000 benefits programs they have set aside to help Americans in need. is similar to however, they don't accept applications for personal grants.  Don't be fooled by anyone telling you that you can go to and apply for a grant.  Unless you are one of the grant making agencies listed on their website, then you can't apply for a grant through them.  The grant making agencies such as the Department of Health and Human Services is where you need to go in order to fill out grant applications to help you in your time of need.  When you get to the the website, then "agencies that provide grants" and go to that specific website to learn more about their grants for non profit debt help.


Low Income Home Energy Assistance Program (LIHEAP)

The  Low Income Home Energy Assistance Program is a program that helps with you heating and utility costs during the winter months.  This program has offered great help to poor and low income families and also the elderly.  If you need help paying your heating bill, you should try this agency.


WIC/Food Stamp/SNAP

Get food help from the government through these avenues.  These programs have great social services for women, babies and children.  If you are unemployed and need assistance to pay your bills, try one of these services.  Again, you will have to fill out an application and go through a qualification process. However, there are expedited qualification processes for food and medical assistance. So you could start receiving the help you need in just days.


U.S. Department of Health and Human Services (HHS)

You can apply for over 300 different grant program.  These grants help with hospital bills, and medical costs for adults and children as well as the elderly.  Again, there is also an application and qualification process for this source of help from the government.

The U.S. Department of Health and Human Services
200 Independence Avenue, S.W.
Washington, D.C. 20201

Are There Other Places That Offer Non Profit Debt Help For The Unemployed?

Yes, there are quite a few different places you can go to or call when you need financial help while you are unemployed.

Salvation Army

The Salvation Army is pretty much known for it's humanitarian services within the community.  The Salvation Army does offer assistance in many areas including rental assistance, food and clothing,  so you will have to check with them to see what services they can help you with.

By calling 211 from your telephone or cell phone, you can reach a human services operator that will help you get to the nearest human services facility in your city or town to get help with food, medical expenses, rent, clothing and housing. 211 is available in 39 of the 50 states so you will have to go to to see if your state is covered.

Churches In Your Community

Churches! Churches! Churches! Whenever you are in need, one of the first places to go is a church or another religious facility.  Many churches have funds set aside from what they have collected for members to help those who are in need.  From churches you get get food assistance, rental assistance, counseling and much more.  You should check with the local churches in your area if you are unemployed and need non profit debt help.

Free Cell Phones

Companies like Safelinks, Assurance Wireless and Lifeline offer free cell phone service with minutes for those who are on welfare, collecting food stamps, elderly or having financial difficulties.  You only need to prove your financial need along with a few other qualifications to get your free phone.

Get Free Cars Donated To You

If you are unemployed and don't have a car to get around to look for a job. You may want to look into sources to get a car donated to you.  There are many charities and churches that will give away free cars to those who need it.  Look to the Make A Wish foundation or 1-800-charity cars for help in this area.

Help Yourself

Find something you can do when you have no job, and need money!  There are many things you can do to bring in emergency cash until you find another job.  Find a need that people want filled and then fill it.  Do window washing, dog walking, property surveillance or find properties for people and get a finder's fee.  If there is no job out there for you, then you might just have to make a job for yourself. 

Make Plans To Save For The Future

Although it is tough to think about saving money right now especially since you are broke.  You should start thinking from now about how much money you are going to save for the future.  You should have an emergency cash fund for 6 months to a year to cover all of your basic expenses.  Putting away 10 percent of your income in the future will help to hedge against financial catastrophes should you lose your source of income again.