Trying to make ends meet is never easy—but you don’t have to go it alone. Whether you need help with housing, food, health care, or just someone to talk to, there are completely free resources that can step in and make a real difference. The challenge is knowing where to look.
Here are seven free programs and services every low income household should know about.
1. Crisis Hotlines and Warm Lines
Sometimes you just need someone to talk to. If you’re in crisis, calling 988 connects you to mental health professionals 24/7. For domestic violence situations, the National Domestic Violence Hotline at 800‑799‑SAFE (7233) is a safe, confidential place to start.
If it’s not an emergency but you’re feeling isolated or overwhelmed, warm lines offer friendly support. The Friendship Line is especially helpful for seniors and adults with disabilities, and the Eldercare Locator can help older adults connect with local programs in their communities.
2. Community Action Agencies
There’s a community action agency (CAA) serving every county in the United States, and they exist specifically to fight poverty. Many offer help with rent, energy bills, job training, transportation, food, and more. If they don’t provide the service you need, they’ll likely know who does. Learn more through our guide to community action agencies.
3. Housing Help and Eviction Prevention
Many communities offer eviction prevention programs, which can include rental assistance, landlord mediation, or even legal aid. HUD-approved housing counselors can also help you navigate your options whether you’re renting or hoping to buy your first home. You can find help in your area through the HUD housing counselor directory.
4. Prescription Discount Programs
If high medication costs are draining your budget, programs like GoodRx and NeedyMeds can help. These free services offer prescription discount cards that are accepted at most pharmacies and can lower your cost by up to 80%—with or without insurance. Many people even find lower prices using these tools than they get through their insurance plans.
5. Credit and Debt Counseling
If debt feels like it’s controlling your life, you’re not alone—and you’re not out of options. The National Foundation for Credit Counseling (NFCC) connects people with nonprofit credit counselors who offer free or low-cost help with budgeting, debt management, and credit repair. Many start with a free consultation, but be sure to ask about any fees before enrolling in a plan.
6. American Job Centers
Whether you’re looking for work or trying to switch careers, American Job Centers offer free services to help you find your next opportunity. You can get help with resumes, job training, career counseling, and even job placement. Every state has at least one, and their services are open to everyone.
7. The 211 Helpline
The 211 helpline is one of the easiest ways to connect with local support services. By dialing 211 or visiting their website, you can find help with food, housing, health care, childcare, and more. While phone support can be hit or miss in some areas, their website is a good place to browse listings and find what’s available near you.
A Quick Word from Our Sponsor
If you’re dual eligible for both Medicare and Medicaid, Chapter can help you make sure you’re on the best possible plan. They offer free one-on-one consultations with real people who take the time to understand your needs and make sure you’re getting every benefit you qualify for.
To get started, call (417) 319‑2139. This service is completely free, and Chapter is a trusted partner of Low Income Relief.
Relief Recap
Support is out there, and much of it is just a phone call or click away. From housing and medication help to emotional support and career services, these seven resources can bring real relief when you need it most—and they won’t cost you a dime.
Bookmark this page, save the numbers, and share them with someone who could use a little help. A few small steps today could open the door to a lot more peace of mind tomorrow.
Disclaimer: The views and opinions expressed in the content on this website are solely those of the content creators and do not necessarily reflect the views, opinions, or positions of the Social Security Administration, Medicare, Chapter, or its affiliates. Chapter makes no representations or warranties regarding the accuracy, completeness, or reliability of the information provided. All content is intended for informational, educational, or entertainment purposes only and should not be interpreted as official positions of the Social Security Administration, Medicare, Chapter, or its affiliates. Chapter disclaims any liability for actions taken based on this content.
If you need assistance with Medicare, please reach out to Medicare, your local State Health Insurance Program (SHIP), your current Medicare insurance agent/broker/plan, or contact our Medicare partner, Chapter, at 417-319-2139 or visit their website at https://lirlinks.com/chapter. Chapter: Memoir, Inc. d/b/a Chapter is a privately owned, data- and technology-enabled advisory service helping older Americans navigate retirement. Insurance agency services are provided by Chapter Advisory, LLC, a licensed health insurance agency and wholly owned subsidiary of Memoir, Inc. In California, Chapter Advisory, LLC does business as Chapter Insurance Services (Lic. No. 6003691).Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations as well as stand-alone prescription drug plans with Medicare contracts. Enrollment depends on the renewal of those contracts. While Chapter maintains a comprehensive database of Medicare plans nationwide and assists in searching all options, Chapter has contracts with many, but not all, plans. Therefore, Chapter does not offer every plan available in your area. Chapter recommends plans even if they are not directly offered through Chapter. For complete Medicare plan options, please visit Medicare.gov, call 1-800-Medicare, or contact your local SHIP office.