If you’re falling behind on your bills, it can feel like you're drowning in stress. But here’s the truth: you are not alone, and help is available. From electricity to water, medical, rent, and even internet, there are programs—many of them free—that are designed specifically for people who need a temporary hand up.

This guide breaks down seven major categories of household bills and the programs that may be able to cover them in 2025. We’ve also included step-by-step resources, helpful links, and tips to make applying easier.

1. Electricity & Heating: Low Income Home Energy Assistance Program (LIHEAP)

What it is: LIHEAP helps low-income households manage the costs of home energy, including electric, gas, heating oil, and sometimes water bills. The program also offers crisis assistance if you’re facing a utility shutoff.

Who qualifies: Your eligibility depends on your income, family size, and location. Many states prioritize elderly residents, families with children, or those with medical needs.

How to apply: Applications are handled by your state. Use the LIHEAP locator to find where to apply.

2. Water & Wastewater: Low Income Household Water Assistance Program (LIHWAP)

What it is: LIHWAP provides emergency support for overdue water and sewage bills. It can help avoid shutoffs or restore service after a disconnection.

Who qualifies: Eligibility is based on income and household size. Priority is often given to households already facing shutoff or those with young children or seniors.

How to apply: Visit your city or county website or the LIHWAP page to find a local agency.

3. Rent: Emergency Rental Assistance Program (ERA)

What it is: ERA helps renters who are behind on rent or utilities due to a pandemic-related hardship. It may also cover moving expenses and security deposits.

Who qualifies: Renters with incomes at or below 80% of the Area Median Income (AMI) who are at risk of eviction or housing instability.

How to apply: Search your state or city’s ERA program via CFPB Rent Help Finder.

4. Medical Bills: Charity Care & Hospital Financial Assistance Programs

What it is: Many nonprofit hospitals are required to offer financial assistance (also called charity care) to uninsured or low-income patients.

Who qualifies: Anyone with limited income or no insurance. Many hospitals provide discounts or even full debt forgiveness based on a sliding income scale.

How to apply: Contact your hospital’s billing department. Ask for a "financial assistance application" and don’t be afraid to request a patient advocate.

5. Internet: Affordable Connectivity Program (ACP)

What it is: ACP provides a monthly discount of up to $30 ($75 on tribal lands) on broadband internet, plus a one-time discount on a connected device like a laptop or tablet.

Who qualifies: Households at or below 200% of the Federal Poverty Line or enrolled in SNAP, Medicaid, SSI, or other public benefits.

How to apply: Visit FCC's ACP portal or apply through your internet provider.

6. Phone Service: Lifeline Program

What it is: Lifeline offers up to $9.25/month off phone or internet bills. It can be used for landline, wireless, or bundled services.

Who qualifies: Similar to ACP, eligibility is based on income or enrollment in public assistance programs.

How to apply: Apply at lifelinesupport.org or through a participating provider.

7. Gas & Fuel: State Energy Programs

What it is: Many states offer seasonal or emergency heating fuel assistance (sometimes in partnership with LIHEAP).

Who qualifies: Low- to moderate-income households. Winter programs often give priority to seniors and households with young children.

How to apply: Start by contacting your state’s energy office or local community action agency.

Real-Life Tip: Stack Your Benefits

Don’t limit yourself to just one type of aid. Many programs allow you to receive multiple benefits at the same time. For example, you can qualify for LIHEAP, SNAP, and Lifeline together—each helping with a different part of your budget.

Quick Checklist: What to Prepare Before You Apply

• [ ] Proof of identity (driver’s license, ID card)
• [ ] Proof of income (pay stubs, benefits letter, tax returns)
• [ ] Utility or rent bills
• [ ] Disconnection/shutoff notices (if applicable)
• [ ] Social Security numbers for household members
• [ ] Lease or mortgage statement (if applying for housing aid)

Frequently Asked Questions

Can I apply to more than one program?
Yes! In fact, many people do. Just be sure not to duplicate requests for the same expense (e.g., don’t ask two programs to pay the same electricity bill).

What if I’m behind but not yet shut off?
That’s actually the best time to apply. Some programs, like LIHEAP, can step in before shutoff notices are issued.

What if I rent but utilities are in my landlord’s name?
You may still qualify. Some programs can issue payments directly to landlords or utility providers—even if the bill isn’t in your name.

How long does it take to get help?
Timelines vary. Some aid (like LIHEAP crisis assistance) can be delivered in days, while others (like rent aid) may take weeks. Ask your provider what to expect.

Final Thoughts

Getting behind on your bills can happen to anyone—but staying behind doesn’t have to be the norm. These programs exist to help people like you get back on stable ground. Whether it’s rent, utilities, or internet, there’s likely a program you can apply to today.

Need more help? Dial 2-1-1 for free, confidential guidance based on your ZIP code. You are not alone—and help is only a click or call away.