How to avoid a payday loan — Free local resources + 8 other alternatives to consider

You have other options to consider before taking out a payday loan.

There’s one particularly good reason to stay away from payday loans: they’re wildly expensive. It’s not uncommon to see a 400% APR on a payday loan, and some providers have even higher interest rates.

There is good news: you have other options.

Before taking out a payday loan, try the following alternatives. They can help solve your short-term money needs while keeping you out of long-term debt.

Local resources in your state

Select your state from the list below to see local resources that offer free financial services as well as help with things like food or utilities to relieve some cash constraints.

Alabama Department of Human Resources – Food Assistance Division
The Food Assistance Division in Alabama operates the state’s Food Stamp Program. If you’re in an eligible low-income household, you could receive a monthly benefit to buy groceries.

  • Phone number: (334) 242-1700
  • Website: dhr.alabama.gov/services/Food_Assistance/Food_Assistance_Division.aspx
  • Physical address:
    Alabama Department of Human Resources
    Food Assistance Division
    50 North Ripley St.
    Montgomery, AL 36130

Alabama Medicaid Agency
Using the federally funded program Medicaid, the Alabama Medicaid Agency provides funding for medical and healthcare services for eligible citizens with limited resources. Low income families and expecting mothers, long-term care residents, and disabled residents all qualify.

  • Phone number: (334) 242-5000
  • Physical address:
    Alabama Medicaid Agency
    PO Box 5624
    Montgomery, AL 36103-5624

Low Income Home Energy Assistance Program (LIHEAP)
Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through inexpensive weatherization services.

  • Phone number: (877) 688-3328
  • Website: www.adeca.alabama.gov/Divisions/energy/Pages/EnergyAssistance.aspx
  • Physical address:
    Debt Reduction Services -Corporate Headquarters
    6213 N. Cloverdale Rd. Suite 100
    Boise, ID 83713

Debt Reduction Services Inc. | Free Personal Financial Education Services
Debt Reduction Services Inc. offers consumers programs and specialized material to educate themselves and others on getting out of debt.

  • Phone number: (877) 688-3328
  • Website: www.debtreductionservices.org/resources/education/
  • Physical address:
    Debt Reduction Services -Corporate Headquarters
    6213 N. Cloverdale Rd. Suite 100
    Boise, ID 83713
Food Stamp Program
This federal and state funded program offers food assistance to eligible households in Alaska.

  • Phone number: 1-907-465-3347
  • Website: dhss.alaska.gov/dpa/Pages/fstamps/default.aspx
  • Physical address:
    Alaskan Food Stamp Program
    PO Box 110640
    Juneau, AK 99811-0640

Heating Assistance Program (HAP)
The Heating Assistance Program (HAP) offers renters and homeowners in Alaska financial aid with regard to heating expenses.

  • Phone number: 1-800-470-3058
    1-888-804-6330
  • Website: dhss.alaska.gov/dpa/Pages/hap/default.aspx
  • Physical address:
    HAP
    350 Main Street, Suite 317 Juneau, AK 99811-1700

General Relief Assistance (GRA)
General Relief Assistance (GRA) can help to provide food, shelter, utilities, and other basic needs for those experiencing financial crises.

  • Phone number: 1-907-465-3347
    1-800-478-3537
  • Website: dhss.alaska.gov/dpa/Pages/gra/default.aspx
  • Physical address:
    Division of Public Assistance
    10002 Glacier Hwy, Suite 200 Juneau, AK 99801

Alaska Temporary Assistance Program (ATAP)
This program aids low-income families in Alaska to meet basic needs though employment services and cash assistance.

  • Phone number: 1-907-465-3347
  • Website: dhss.alaska.gov/dpa/Pages/atap/default.aspx
  • Physical address:
    ATAP
    PO Box 110640
    Juneau, AK 99811-0640
Cash Assistance Program
If you are an eligible low-income family with children, Arizona’s Cash Assistance Program can provide support programs and temporary cash benefits to help meet basic needs.

  • Phone number: 1-602-542-9935
    1-800-352-8401
  • Website: www1.nyc.gov/site/dhs/index.page
  • Physical address:
    Dept of Economic Security
    PO Box 23167
    Phoenix, AZ 85063

Low Income Home Energy Assistance Program (LIHEAP)
Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through inexpensive weatherization services.

  • Phone number: 1-602-262-4520
  • Website: des.az.gov/services/aging-and-adult/community-services/energy-assistance
  • Physical address:
    City of Phoenix Human Services
    200 W. Washington St. 18th Floor
    Phoenix, AZ 85003
Home Energy Assistance Program (HEAP)
Home Energy Assistance Program (HEAP) helps eligilbe households with the cost of heating and cooling their homes. If you are low-income, disabled, or an elderly resident, you could be eligible for utility benefits or inexpensive weatherization services to reduce your future energy costs.

  • Phone number: 1-501-682-8715
    1-800-482-8988
  • Website: www.arkansas.gov/
  • Physical address:
    Arkansas Department of Human Services, Slot S330
    PO Box 1437 Little Rock
    AR 72203-1437

Food Stamp Program
The federal and state funded Food Stamp Program provides eligible households with food assistance through Electronic Benefits transfer (EBT). If you’re in an eligible low-income household, you could receive these benefits to cover a portion of your food cost.

  • Phone number: 1-800-482-8988
    1-501-682-8233
  • Website: humanservices.arkansas.gov/dco/Pages/SupportServices.aspx
  • Physical address:
    Arkansas Dept. of Human Services Customer Service Unit,
    PO Box 1437 Slot S340 Little Rock,
    AR 72203-1437

California Work Opportunity and Responsibility to Kids (CalWORKs)
CalWORKS operates a state-wide welfare program. This program provides cash assistance to cover the basic needs of low-income families. Eligible Californians can receive either short-term or ongoing monthly assistance to cover the costs of medical expenses, food, shelter, and utilities.

  • Phone number: 866-613-3777
  • Website: www.cdss.ca.gov/CalWORKS
  • Physical address:
    CalWorks Metro Family,
    2315 S. Grand Ave, Los Angeles,
    CA 90007

Cash Assistance Program for Immigrants (CAPI)
If you are a legal non-citizen who is not eligible for Supplemental Social Security Income or State Supplemental Payment the Cash Assistance Program for Immigrants (CAPI) can provide you with cash to help cover your basic needs.

  • Phone number: 866-613-3777
    310-258-7400
    626-569-1399
  • Website: dpss.lacounty.gov/wps/portal/dpss
  • Physical address:
    CAPI Wilshire Office,
    2415 W 6th St. Los Angeles,
    CA 90057

Food Stamp Program (CalFresh)
CalFresh in California operates the state’s Food Stamp Program. If you’re in an eligible low-income household, you could receive a monthly benefit to buy groceries.

  • Phone number: 1-877-847-3663
  • Website: www.cdss.ca.gov/inforesources/calfresh
  • Physical address:
    California Dept. of Social Services,
    744 P Street, MS 8-16-50 Sacramento,
    CA 95814

Low Income Energy and Heating Assistance (LEAP)
Through the months of Novermber to May, Colorado’s Low Income Energy and Heating Assistance helps low-income residents with the cost of their energy needs.

  • Phone number: 1-303-866-5700
    1-720-944-3666
  • Website: sites.google.com/a/state.co.us/cdhs-leap/
  • Physical address:
    Dept. of Human Services-Denver,
    1200 Federal Boulevard Denver,
    CO 80204

Food Stamp Program
Connecticut’s Food Stamp Program provides eligible low-income residents with a monthly Electronic Benefits transfer (EBT) to cover a portion of your food cost.

  • Phone number: 1-800-842-1508
  • Website: portal.ct.gov/dss
  • Physical address:
    The Department of Social Service, 25 Sigourney Street
    Hartford, CT 06106-5033

Connecticut’s Winter Heating Assistance Program
Connecticut’s Winter Heating Assistance Program helps eligible households with the cost of heating their homes. Homeowners and renters can both be eligible for assistance in paying for a household’s primary heating source or for weatherization services.

  • Phone number: 1-800-842-1132
  • Website: portal.ct.gov/dss
  • Physical address:
    Department of Social Services,
    25 Sigourney Street Hartford,
    CT 06106-5033

Delaware Prescription Assistance Program
The Delaware Prescription Assistance Program (DPAP) provides funds necessary for eligible low-income, elderly or disabled individuals to pay for their prescription medication.

  • Phone number: 1-800-996-9969
  • Website: www.dhss.delaware.gov/dhss/dmma/dpap.html
  • Physical address:
    EDS DPAP, PO Box 950 New Castle, DE 19720-0950
    New Castle, DE 19720

Temporary Assistance for Needy Families (TANF)
Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.

  • Phone number: 1-302-255-9500
    1-800-464-4357
  • Website: www.dhss.delaware.gov/dss/tanf.html
  • Physical address:
    TANF, 1901 N. Du Pont Highway, Lewis Bldg.
    New Castle, DE 19720

Food Supplement Program
Using the Delaware Food First Card, the Food Supplement Program provides monthly benefits to low-income families to buy nutritious foods directly from the grocery store.

  • Phone number: 1-302-255-9668
  • Website: www.dhss.delaware.gov/dhss/dss/foodstamps.html
  • Physical address:
    Division of Social Services, 1901 N. Du Pont Highway, Lewis Bldg.
    New Castle, DE 19720

Florida Food Assistance Program
This program aids low-income households in Florida afford nutritious food through financial assistance.

  • Phone number: 1-866-762-2237
  • Website: www.myflfamilies.com/service-programs/access-florida-food-medical-assistance-cash/food-assistance-and-suncap
  • Physical address:
    ACCESS, Central Mail Center PO Box 5200 Tallahassee,
    FL 32314-5200

HomeSafe Georgia
HomeSafe Georgia assists unemployed residents and those whose income has significantly decreased by providing temporary mortgage assistance.

  • Phone number: 1-877-519-4443
    1-770-806-2100
  • Website: www.homesafegeorgia.com
  • Physical address:
    HomeSafe Georgia Georgia Dept of Community Affairs, 60 Executive Park South Atlanta, GA 30329-2231

Energy Assistance Program (LIHEAP)
Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and inexpensive weatherization services.

  • Phone number: 1-800-869-1150
    1-404-463-7259
  • Website: dfcs.georgia.gov/low-income-home-energy-assistance-program-liheap
  • Physical address:
    Energy Assistance Program (LIHEAP),
    Two Peachtree Street, NW, Suite 29-250 Atlanta,
    GA 30303-3181

Medicaid
The federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship.

  • Phone number: 1-800-766-4456
    1-404-647-5468
  • Website: dch.georgia.gov/medicaid
  • Physical address:
    Medicaid Office Location- Georgia Department of Community Health 2 Peachtree Street, NW Atlanta, GA 30303

Temporary Assistance for Needy Families (TANF)
Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.

  • Phone number: 1-800-869-1150
  • Website: dfcs.georgia.gov/tanf-eligibility-requirements
  • Physical address:
    Temporary Assistance for Needy Families(TANF)- Department of Human Services, Two Peachtree Street, NW, Suite 29-250 Atlanta, GA 30303-3181

Heating Energy Assistance Team (H.E.A.T.)
Heating Energy Assistance Team (H.E.A.T) assists eligible low-income Georgia residents pay for their utilities through direct collaboration with the community, energy companies, and other organizations.

  • Phone number: 1-678-406-0212
  • Website: www.heatga.org
  • Physical address:
    H.E.A.T. Inc. 2167 Northlake Parkway, Suite 103
    Tucker, GA 30084

LIHEAP in Hawaii
Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and inexpensive weatherization services.

  • Phone number: 1-808-586-5734
  • Website: humanservices.hawaii.gov/bessd/liheap/
  • Physical address:
    BESSD/FAP/LIHEAP
    Benefit, Employment, and Support Services Division
    Financial Assistance Office
    820 Mililani Street, Suite 606
    Honolulu, Hawaii 96813

SNAP
The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides monthly funding through an EBT card to low income households and unemployed residents to buy nutritious food.

  • Phone number: 1-808-586-4997
  • Website: humanservices.hawaii.gov/bessd/snap/
  • Physical address:
    SNAP- Director’s Office
    1390 Miller Street, Room 209
    Honolulu, HI 96813

Ada County Indigent Services
Ada County Indigent Services operates a county-wide welfare service. This program provides assistance to cover the basic needs of low-income families including medical bills and rent.

  • Phone number: 1-208-287-7960
  • Website: adacounty.id.gov/Indigent-Services
  • Physical address:
    Ada County Welfare Dept, 200 West Front St. Suite 3131, Boise, ID 83702

2-1-1 Idaho CareLine, Information and Referral- Boise (Westgate) Office
The 2-1-1 Idaho CareLine database includes resources and programs available for those looking for assistance with rent, utility costs, medical care, food benefits and more.

  • Phone number: 1-877-456-1233
    1-800-926-2588
  • Website: www.211.idaho.gov
  • Physical address:
    2-1-1 Idaho, 1720 Westgate Dr, Boise, ID 83704

The Idaho Foodbank
Using donations and funding through the help of corporations, nonprofits and government organizations the this Food Bank service helps by providing food, support services and information to low-income and unemployed individuals.

  • Phone number: 208-336-9643
  • Website: www.idahofoodbank.org
  • Physical address:
    Idaho Foodbank, 3562 So. TK Ave. Boise, ID 83705

Illinois Home Weatherization Assistance Program (IHWAP)
Illinois Home Weatherization Assistance Program (IHWAP) helps eligible households with the cost of heating and cooling their homes through inexpensive weatherization services to reduce your future energy costs.

  • Phone number: 1-877-411-9276
  • Website: www.illinois.gov/dceo/CommunityServices/HomeWeatherization/Pages/default.aspx
  • Physical address:
    The Illinois Home Weatherization Assistance Program (IHWAP), 500 E Monroe Springfield, IL 62701
    Chicago, Illinois 60604

DHS Temporary Assistance for Needy Families
Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.

  • Phone number: 1-800-843-6154
  • Website: www.dhs.state.il.us/page.aspx?item=30358
  • Physical address:
    Department of Human Services Main Office(TANF) – Springfield Administrative Offices
    100 S Grand Avenue East
    Springfield, IL 62704

Low Income Energy Assistance Program
Between mid November and May, the Low Income Energy Assistance Program helps eligible individuals and households in meeting their energy needs through financial assistance.

  • Phone number: 1-800-872-0371
    1-202-429-8855
  • Website: www.in.gov/ihcda/2329.htm
  • Physical address:
    Low Income Energy Assistance Program, 1016 West Edge Mall
    Suite 420
    Auburn, IN 46706

Community Harvest Food Bank
Community Harvest Food Bank of northeast Indiana provide food for those in need through donations from their network of donors, churches and more.

  • Phone number: 1-888-774-1465
    1-219-447-3696
  • Website: www.communityharvest.org/
  • Physical address:
    Community Harvest, 999 East Tillman Road Fort Wayne, IN 46816

Food Assistance Program
The Food Assistance program offers healthy food to low income families in need to promote proper nutrition.

  • Phone number: 1-877-YES-FOOD
    1-515-725-2600
  • Website: dhs.iowa.gov/food-assistance
  • Physical address:
    Food Assistance Program- Polk County DHS, River place 2309 Euclid Ave Des Moines, IA 50310

Family Investment Program (FIP)
This program offers families in the transition from low income to self-sufficient with cash assistance to insure that children can remain cared for by their family.

  • Phone number: 1-515-281-4848
    1-800-972-2017
  • Website: dhs.iowa.gov/cash-assistance
  • Physical address:
    Family Investment Program(FIP)- Iowa Dept of Human Services 1305 E. Walnut, Des Moines, IA 50319-0114

LIHEAP in Iowa
Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and inexpensive weatherization services.

  • Phone number: 1-515-281-0859
  • Website: humanrights.iowa.gov/dcaa/liheap
  • Physical address:
    LIHEAP Iowa Department of Human Rights/D.C.A.A.Lucas State Office Building Des Moines, IA 50319

Kansas Department of Children and Families
The Kansas Department of Children and Families provides financial assistance to parents or guardians who require child care and are unable to cover the cost themselves.

  • Phone number: 1-888-369-4777
    1-888-757-2445
  • Website: www.dcf.ks.gov/Pages/default.aspx
  • Physical address:
    Kansas Department for Children and Families Office of the Secretary
    915 SW Harrison Street
    Topeka, Kansas 66612

Food Assistance Program
The Food Assistance program offers healthy food to the hungry and low income families in need to promote proper nutrition.

  • Phone number: 1-888-369-4777
    1-800-997-6666
  • Website: www.dcf.ks.gov/services/ees/Pages/Food/FoodAssistance.aspx
  • Physical address:
    Kansas Food Assistance Program, 915 SW Harrison St., Topeka, KS 66612

The Successful Families Program
The Successful Families Program provides support and employment services, as well as cash assistance to eligible low income families.

  • Phone number: 1-888-369-4777
  • Website: www.dcf.ks.gov/services/ees/Pages/Cash/TAF.aspx
  • Physical address:
    The Successful Family Program, 915 SW Harrison St., Topeka, KS 66612

Low Income Energy Assistance Program (LIEAP)
Low Income Energy Assistance Program (LIEAP) aims to assist residents with home heating and cooling cost. If you are low income, disabled or elderly you may be eligible for a financial benefit to cover a portion of your yearly energy needs.

  • Phone number: 1-800-432-0043
  • Website: www.dcf.ks.gov/services/ees/Pages/Energy/EnergyAssistance.aspx
  • Physical address:
    Kansas Energy Division, Kansas Corporation Commission, 1500 SW Arrowhead Road, Topeka, KS 66604-4074

Kansas HealthWave
This program offers Kansas residents low-cost health coverage for children and their parents. This program may also cover the cost of existing medical bills.

  • Phone number: 1-800-792-4884
    1-800-792-4292
  • Website: www.kancare.ks.gov/apply.htm
  • Physical address:
    Kansas HealthWave, P.O. Box 3599
    Topeka, KS 66601

The Kansas Weatherization Assistance Program (K-WAP)
Qualified households in Kansas can lower the cost of their energy bills through weatherization efforts provided by the Kansas Weatherization Assistance Program (K-WAP).

  • Phone number: 1-800-752-4422
    1-785-217-2001
  • Website: www.kshousingcorp.org/weatherization.aspx
  • Physical address:
    Kansas Weatherization Assistance Program (KWAP), 611 S. Kansas Avenue, Suite 300 Topeka, KS 66603-3803

Supplemental Nutrition Assistance Program (SNAP)
The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.

  • Phone number: 1-502-564-7050
  • Website: chfs.ky.gov/dcbs/dfs/foodstampsebt.htm
  • Physical address:
    Supplemental Nutrition Assistance Program (SNAP), 275 E. Main St., 3E-I
    Frankfort, KY 40621

The Low Income Home Energy Assistance Program (LIHEAP)
Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and inexpensive weatherization services.

  • Phone number: 1-502-564-3440
    1-800-456-3452
  • Website: chfs.ky.gov/dcbs/dfs/liheap.htm
  • Physical address:
    LIHEAP, 275 E. Main St., 3E-I
    Frankfort, KY 40621

Family Independence Temporary Assistance Program (FITAP)
This temporary assistance program offers low-income families with children cash assistance to meet their basic needs.

  • Phone number: 1-225-342-2346 1-888-524-3578
  • Website: www.dss.state.la.us/index.cfm?md=pagebuilder&tmp=home&pid=139
  • Physical address:
    FITAP, 627 N. Fourth St. Baton Rouge, LA 70802

Supplemental Nutrition Assistance Program (SNAP)
The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.

  • Phone number: 1-800-221-5689 1-225-219-0351
  • Website: www.dss.state.la.us/index.cfm?md=pagebuilder&tmp=home&pid=93
  • Physical address:
    SNAP, Southern University Agricultural Research & Extension Center
    P.O. Box 10010 Baton Rouge, LA 70813

Temporary Assistance to Needy Families
Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.

  • Phone number: 1-225-342-3950 1-800-706-8263
  • Website: www.dcfs.louisiana.gov/index.cfm?md=pagebuilder&tmp=home&nid=207&pnid=158&pid=56
  • Physical address:
    Temporary Assistance to Needy Families 1201 North Third Street
    Commissioners Office, Suite 7-230

Low Income Home Energy Assistance Program (LIHEAP)
Low Income Home Energy Assistance Program (LIHEAP) aims to assist homeowners or renters who are low-income, disabled, or elderly residents with home heating cost.

  • Phone number: 1-207-624-5708 1-207-626-4603
  • Website: http://www.mainehousing.org/programs-services/energy/energydetails/low-income-assistance-plan
  • Physical address:
    LIHEAP, 353 Water Street, Augusta Maine 04330

Western Maine Community Action Fuel/Energy Assistance Program
Low income individuals in the western Maine area may qualify for financial assistance in paying their energy bills through the Fuel Assistance Program.

  • Phone number: 1-800-645-9396 1-207-645-3764
  • Website: www.thecommunityconnector.org/directory/profile/western-maine-community-action-fuelenergy-assistance-program/category/agenciesorganizations-with-housing-programs
  • Physical address:
    Western Maine Community Action Fuel/ EAP, PO Box 200
    East Wilton, ME 04234

Alternative Aid Assistance
Alternative Aid Assistance offers employment services and temporary financial benefits through vouchers worth up to the equivalent of three months of TANF benefits.

  • Phone number: 1-800-442-6003 1-207-624-4168
  • Website: www.maine.gov/dhhs/ofi/index.html
  • Physical address:
    Alternative Aid Assistance, 11 State House Station
    Whitten Road
    Augusta, ME 04333

Parents as Scholars
Parents attending a two to four year postsecondary programs may qualify for a monthly financial benefit through the Parents as Scholars program.

  • Phone number: 1-800-452-1926 1-207-624-8000
  • Website: www.maine.gov/dhhs/ofi/index.html
  • Physical address:
    Parents as Scholars 219 Capitol Street
    Augusta, ME 04333

Temporary Cash Assistance
This program administers cash assistance benefits to eligible low-income families with dependents to meet basic needs. This program aims to further provide preparation programs to ensure cash assistance is a temporary solution.

  • Phone number: 1-800-332-6347
  • Website: dhr.maryland.gov/weathering-tough-times/temporary-cash-assistance/
  • Physical address:
    Temporary Cash Assistance 311 West Saratoga Street, Baltimore, MD 21201

Emergency Assistance to Families with Children (EAFC)
If you have dependent child you may be eligible for emergency cash assistance for the use of bills, rent, or emergencies through the Emergency Assistance to Families with Children (EAFC) program.

  • Phone number: 1-800-332-6347
  • Website: dhr.maryland.gov/weathering-tough-times/emergency-assistance/
  • Physical address:
    DHR Constituent Services Unit 311 West Saratoga Street Baltimore, MD 21201

Maryland Energy Assistance Program (MEAP)
The Maryland Energy Assistance Program (MEAP) helps eligible households with their energy costs.

  • Phone number: 1-800-352-1446
  • Website: dhr.maryland.gov/office-of-home-energy-programs/
  • Physical address:
    Office of Home Energy Programs 311 West Saratoga St.
    Baltimore, MD 21201

Food Supplement Program (FSP)
The Food Supplement Program (FSP) is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.

  • Phone number: 1-800-332-6347
  • Website: dhr.maryland.gov/food-supplement-program/
  • Physical address:
    Food Supplement Program 311 West Saratoga Street, Baltimore, MD 21201

SNAP, the Supplemental Nutrition Assistance Program
The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.

  • Phone number: 1-800-249-2007
  • Website: www.mass.gov/snap-benefits-food-stamps
  • Physical address:
    SNAP, Department of Transitional Assistance
    600 Washington Street
    Boston, MA 02111

Transitional Aid to Families with Dependent Children (TAFDC)
Sometimes known as welfare, TAFDC offers cash benefits and health insurance to low income families with children to insure that basic needs are being met.

  • Phone number: 1-800-249-2007 1-800-445-6604
  • Website: www.mass.gov/service-details/check-eligibility-for-tafdc
  • Physical address:
    TAFDC, Department of Transitional Assistance600 Washington St.
    Boston, MA 02111

Michigan Home Heating Assistance Programs
This list provided by the Departments of Human Services in Michigan gives residents access to a variety of financial assistance programs with relation to home energy costs.

  • Phone number: 1-800-450-7260
  • Website: www.michigan.gov/mdhhs/0,5885,7-339-71547_5531_62128—,00.html
  • Physical address:
    Department of Human Services
    235 S. Grand Ave.
    P.O. Box 30037
    Lansing, Michigan 48909

Project FRESH – Farmer’s Market Nutrition Program
Project FRESH provides low-income and hungry residents with locally grown produce.

  • Phone number: 1-517-373-3740
    1-517-335-9030
  • Website: www.michigan.gov/mdhhs/0,5885,7-339-71547_4910_4921—,00.html
  • Physical address:
    Project Fresh, Capitol View Building
    201 Townsend Street
    Lansing, Michigan 48913

Weatherization Assistance Program (WAP)
Weatherization Assistance Program (WAP) aims to assist low-income homeowners and renters with their heating costs through free weatherization services.

  • Phone number: 1-517-373-2035
  • Website: energy.gov/eere/wipo/weatherization-and-intergovernmental-programs-office
  • Physical address:
    Department of Human Services
    P.O. Box 30037
    Lansing, Michigan 48909

Michigan Medicare/Medicaid Assistance Program (MMAP)
The federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship.

  • Phone number: 1-800-803-7174
  • Website: mmapinc.org/
  • Physical address:
    MMAP, 6105 West St. Joseph
    Suite 204
    Lansing, MI. 48917-4850

Energy Assistance Program
The Energy Assistance Program (EAP) aims to assist low-income homeowners and renters with their heating costs through financial benefits

  • Phone number: 1-800-657-3710
    1-651-539-1882
  • Website: accel.minnesotaenergyresources.com/home/lieap.aspx
  • Physical address:
    Minnesota Department of Commerce Division of Energy Resources
    85 7th Place East, Suite 500
    St. Paul, MN 55101

Food Support Program
The programs assiciated with Minnesota’s Food Support Program all offer food assistance to low income households and individuals.

  • Phone number: 1-800-657-3698
    1-888-711-1151
  • Website: mn.gov/dhs/partners-and-providers/program-overviews/economic-supports-cash-food/
  • Physical address:
    Food Support Program PO Box 64979
    St. Paul, MN 55164-0979

Medical Assistance
The federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship.

  • Phone number: 1-651-431-2670
    1-800-657-3739
  • Website: mn.gov/dhs/
  • Physical address:
    Please reference website for your nearest location

TANF – Temporary Assistance for Needy Families
Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families with children up to the age of 18. This program aims to further provide employment services to ensure cash assistance is a temporary solution.

  • Phone number: 1-800-345-6347
    1-601-359-4500
  • Website: www.mdhs.ms.gov/temporary-assistance-for-needy-families-(tanf)/
  • Physical address:
    TANF, Mississippi Department of Human Services 750 North State St., Jackson, MS 39202

Division of Economic Assistance Food Stamps Program
The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps, coordinated state-wide through the Mississippi Department of Human Services. This program provides funding to low income households and the unemployed to buy nutritious food.

  • Phone number: 1-800-948-3050
    1-601-359-4419
  • Website: www.mdhs.state.ms.us/supplemental-nutrition-assistance-program-%28snap%29/
  • Physical address:
    SNAP, Missippi Department of Human Services 750 North State Street Jackson, MS 39202

Food Stamps
The federal and state funded Food Stamp Program provides eligible households with food assistance through Missouri Electronic Benefits transfer (EBT). If you’re in an eligible low-income household, you could receive these benefits to cover a portion of your food cost.

  • Phone number: 1-573-522-8024
    1-855-373-4636
  • Physical address:
    Food Stamps, 221 West High Street
    P.O. Box 1527
    Jefferson City, MO 65102-1527

Low Income Home Energy Assistance
Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating cost through financial assistance from October up to and including March.

  • Phone number: 1-573-522-8024
  • Website: dss.mo.gov/fsd/energy-assistance/index.htm
  • Physical address:
    LIHEAP- Missouri Department of Social Services, 221 West High Street
    P.O. Box 1527
    Jefferson City, MO 65102-1527

Low-Income Energy Assistance
Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating cost through financial assistance.

  • Phone number: 1-800-332-2272
    1-406-444-5622
  • Website: dphhs.mt.gov/hcsd/energyassistance
  • Physical address:
    Montana Public Health and Human Services- LIHEAPPO Box 4210 , Helena MT 59604-4210

Supplemental Nutrition Assistance Program (SNAP)
The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.

  • Phone number: 1-866-850-1556
    1-406-444–1788
  • Website: dphhs.mt.gov/hcsd/snap/index
  • Physical address:
    SNAPHuman & Community Services Division111 N Jackson Street PO Bo 202925 Helena, MT 59620-5902

Temporary Assistance for Needy Families (TANF)
Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution and is only available for up to 60 months.

  • Phone number: 1-406-444-1917
    1-800-332-2272
  • Website: dphhs.mt.gov/hcsd/tanf/tanfeligibility
  • Physical address:
    Temporary Assistance for Needy Families (TANF) 206 N. Broadway Red Lodge, MT 59068

Nebraska Low Income Energy Assistance Program (LIHEAP)
Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and inexpensive weatherization services.

  • Phone number: 1-402-471-3121
    1-800-254-4202
  • Website: dhhs.ne.gov/children_family_services/Pages/fia_energy.aspx
  • Physical address:
    Nebraska Department of Health & Human Services
    301 Centennial Mall South, Lincoln, Nebraska 68509

Supplemental Nutrition Assistance Program (SNAP) {formerly Food Stamps}
The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.

  • Phone number: 1-402-323-3900
    1-800-383-4278
  • Website: dhhs.ne.gov/children_family_services/Pages/fia_fstamps.aspx
  • Physical address:
    SNAP, Nebraska Department of Health & Human Services
    301 Centennial Mall South, Lincoln, Nebraska 68509

Emergency Cash Assistance Program
In Nebraska, families with children can qualify for cash assistance in times of emergency from the Emergency Cash Assistance Program.

  • Phone number: 1-402-471-3121
  • Website: dhhs.ne.gov/children_family_services/Pages/fia_emergencyassist.aspx
  • Physical address:
    Emergency Cash Assistance Program
    P.O. Box 95044
    Lincoln, NE 68509-5044

The Community Food Bank of Clark County
The Community Food Bank of Clark County service helps by providing food to low-income Las Vegas residents and unemployed individuals.

  • Phone number: 1-702-643-0074
  • Website: www.homelessshelterdirectory.org/cgi-bin/id/foodbank.cgi?foodbank=2315
  • Physical address:
    Community Food Bank Clark County, 4168 N Pecos Rd
    Las Vegas, NV 89115

Energy/Utilities Emergency Assistance
Nevada provides two programs to help reduce the cost of utilites. If you are eligible, these programs can offer financial assistance by covering a portion of your energy bill, or can offer weatherization services to reduce your future energy costs.

  • Phone number: 1-775-684-0731
    1-800-992-0900
  • Website: www.nvenergy.com/home/assistance/nvenergyconnection.cfm
  • Physical address:
    State of Nevada Energy Assistance Program, 1470 E. College Parkway
    Carson City, NV 89706

Temporary Assistance for Needy Families (TANF)
Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.

  • Phone number: 1-775-684-0800
  • Website: dwss.nv.gov/?TANF.html
  • Physical address:
    Temporary Assistance for Needy Families (TANF) 2533 North Carson Street, Suite 200 Carson City, NV 89706

Medicaid Program
The federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship.

  • Phone number: 1-603-271-4344
    1-800-852-3345 x4344
  • Website: www.dhhs.nh.gov/ombp/medicaid/index.htm#about
  • Physical address:
    Medicaid Program, Dept of Health and Human Services 97 Pleasant Street
    Concord, NH 03301

Food Stamp Program
The federal and state funded Food Stamp Program provides eligible households with food assistance through monthly food benefits. If you’re in an eligible low-income household, you could receive these benefits to cover a portion of your food cost.

  • Phone number: 1-603-271-9700
    1-800-852-3345 x9700
  • Website: www.dhhs.nh.gov/dfa/foodstamps/index.htm
  • Physical address:
    Food Stamp Program Division of Family Assistance
    NH Department of Health & Human Services
    129 Pleasant Street
    Concord, NH 03301

Fuel Assistance Program (FAP)
The New Hampshire Fuel Assistance Program (FAP) assists eligible low income residents with financial aid regarding energy costs, as well as emergency services such as fuel delivery.

  • Phone number: 1-603-271-2155
    1-603-271-2615
  • Website: www.nh.gov/osi/energy/programs/fuel-assistance/
  • Physical address:
    NH Office of Energy and Planning
    Governor Hugh J. Gallen State Office Park
    Johnson Hall, 3rd Floor 107 Pleasant Street Concord, NH 03301

New Jersey Food Stamps
The federal and state funded Food Stamp Program provides eligible households with food assistance through monthly food benefits. If you’re in an eligible low-income household, you could receive these benefits to cover a portion of your food cost.

  • Phone number: 1-856-582-9200
    1-800-687-9512
  • Website: www.nj.gov/humanservices/dfd/programs/njsnap/
  • Physical address:
    New Jersey Food Stamps, 400 Holly Dell Dr Sewell, NJ 08080

New Jersey Energy Assistance
The New Jersey Energy Assistance program aims to assist low-income residents with home heating and cooling cost through financial assistance and emergency energy services.

  • Phone number: 1-866-240-1347
  • Website: www.state.nj.us/dca/divisions/dhcr/offices/eap.html
  • Physical address:
    New Jersey Energy Assistance Department of Community Affairs
    PO Box 800
    Trenton, NJ 08625-0800

Temporary Assistance for Needy Families (TANF)
Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.

  • Phone number: 1-888-473-3676
  • Website: www.hsd.state.nm.us/LookingForAssistance/Temporary_Assistance_for_Needy_Families.aspx
  • Physical address:
    TANF, New Mexico Human Services Dept. 2009 S. Pacheco, Pollon Plaza • Santa Fe, NM 87504

Supplemental Security Income (SSI)
If you are disabled, blind, or over the age of 65 with little to no income you could be eligible for Supplemental Security Income (SSI). This program is a financial assistance program that is federally funded for those who demonstrate a financial need and are unable to provide for themselves.

  • Phone number: 1-800-772-1213
  • Website: www.sharenm.org/knowledgebase/resourceAssistanceTopic.php?topic=3025
  • Physical address:
    SSI, NM Office 4300 Cutler NE
    Albuquerque, New Mexico 87110

Low Income Home Energy Assistance Program (LIHEAP)
Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and crisis services for those needing immediate utility services.

  • Phone number: 1-800-283-4465
  • Website: www.hsd.state.nm.us/LookingForAssistance/Low_Income_Home_Energy_Assistance_Program.aspx
  • Physical address:
    LIHEAP, Human Services Department
    P.O. Box 2348 Pollon Plaza
    Santa Fe, NM 87504-2348

Supplemental Nutrition Assistance Program (SNAP)
The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps, coordinated state-wide through the New Mexico Department of Human Services. This program provides funding to low income households and the unemployed to buy nutritious food.

  • Phone number: 1-800-432-6217
    1-877-993-3637
  • Website: www.hsd.state.nm.us/LookingForAssistance/Supplemental_Nutrition_Assistance_Program__SNAP_.aspx
  • Physical address:
    SNAP, New Mexico Human Services Dept. 2009 S. Pacheco
    Pollon Plaza
    Santa Fe, NM 87504

New Mexico Energy $mart Program
The New Mexico Energy $mart Program offers free weatherization services for low income renters and homeowners to reduce their energy costs.

  • Phone number: 1-505-345-4949
    1-855-345-4949
  • Website: www.housingnm.org/homeowners/energysmart/
  • Physical address:
    Central NM Housing Corporation, 703 Osuna Road NE, Suite #2 Albuqurque, NM 87113

Food Bank for New York City
Using donations and funding through the help of corperations, nonprofits and government organizations the this Food Bank service helps by providing food, support services and information to low-income and unemployed individuals across New York City.

  • Phone number: 1-866-NYC-FOOD
  • Website: www.foodbanknyc.org/
  • Physical address:
    Food Bank for New York City, 39 Broadway, New York, NY 10006

Home Energy Assistance Program (HEAP)
Home Energy Assistance Program (HEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and crisis services for those needing immediate utility services.

  • Phone number: 1-800-342-3009
    1-845-452-2700
  • Website: otda.ny.gov/programs/heap/
  • Physical address:
    HRA/HEAP
    P.O. Box 1401
    Church Street Station
    New York, NY 10008

The Earned Income Tax Credit (EITC)
If you have a low or moderate income and are a resident of New York, you could qualify for tax credits to offset a portion of your taxes provided by the Federal, New York State, and New York City Earned Income Tax Credits (EITCs).

  • Phone number: 1-518-434-3100
  • Website: otda.ny.gov/workingfamilies/taxcredits.asp
  • Physical address:
    The Earned Income Tax Credit (EITC) PO Box 7113 Albany, NY 12224

Medicaid
The federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship.

  • Phone number: 1-866-881-2809
  • Website: www.health.ny.gov/health_care/medicaid/#definition
  • Physical address:
    Medicaid Initial Eligibility Unit
    HRA/Medical Assistance Program
    P.O. Box 2798
    New York, NY 10117-2273

Low Income Energy Assistance Program (LIEAP)
Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through yearly financial assistance and crisis services for those needing immediate utility services.

  • Phone number: 1-919-733-9370
    1-800-688-6696
  • Website: www.dhhs.state.nc.us/dss/energy/index.htm
  • Physical address:
    DHHS Mailing Address- 2001 Mail Service Center Raleigh, NC 27699-2001

North Carolina Food and Nutrition Services (FNS)
Food and Nutrition Services (FNS) run the North Carolina division of the Food Stamp Program which aims to provide eligible households with food assistance through monthly food benefits. If you’re in an eligible low-income household, you could receive these benefits to cover a portion of your food cost.

  • Phone number: 1-919-733-9370
    1-919-527-6335
  • Website: www.ncdhhs.gov/assistance/low-income-services/food-nutrition-services-food-stamps
  • Physical address:
    North Carolina Food and Nutrition Services (FNS) NC Division of Social Services
    2401 Mail Service Center
    Raleigh, NC 27699-2401

Emergency Assistance
If your family is experiencing a financial emergency you may be eligible for financial aid through the Emergency Assistance program of North Carolina.

  • Phone number: 1-919-527-6300
    1-919-527-6335
  • Physical address:
    Division of Social Services Albemarle Building 8th Floor 325 N. Salisbury St. Raleigh, NC 27601

Crisis Intervention Program
To help families with their heating and cooling needs, the Crisis Intervention Program (CIP) provides assistance in times of energy related emergencies.

  • Phone number: 1-919-733-3055
    1-919-855-3200
  • Website: www.dhhs.state.nc.us/dss/crisis/index.htm
  • Physical address:
    NC DHHS Division of Social Services Albemarle Building 8th Floor 325 N. Salisbury St. Raleigh, NC 27601

Supplemental Nutrition Assistance Program (SNAP)
The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.

  • Phone number: 1-701-328-2332
    1-800-755-2716
  • Website: www.nd.gov/dhs/services/financialhelp/foodstamps.html
  • Physical address:
    Supplemental Nutrition Assistance Program (SNAP) Economic Assistance Policy Division
    600 E Boulevard Avenue, Dept. 325
    Bismarck ND 58505-0250

Low Income Home Energy Assistance Program
The North Dakota Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and inexpensive weatherization and insulation services.

  • Phone number: 1-701-328-2332
    1-800-755-2716
  • Website: www.nd.gov/dhs/services/financialhelp/energyassist.html
  • Physical address:
    Low Income Home Energy Assistance Program Economic Assistance Policy Division
    600 E Boulevard Dept 325 Bismarck ND 58505-0250

Medicaid
The as the North Dakota office of the federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship.

  • Phone number: 1-701-328-2321
    1-800-755-2604
  • Website: www.nd.gov/dhs/services/medicalserv/medicaid/
  • Physical address:
    MEDICAID North Dakota Department of Human Services
    600 E Boulevard Ave, Dept 325
    Bismarck, ND 58505-0250

Temporary Assistance for Needy Families (TANF)
Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.

  • Phone number: 1-701-328-2332
    1-800-755-2716
  • Website: www.nd.gov/dhs/services/financialhelp/tanfjobs.html
  • Physical address:
    TANF / JOBS ProgramsEconomic Assistance Policy Division
    600 E Boulevard Dept 325
    Bismarck ND 58505-0250

Home Energy Assistance Program (HEAP)
Home Energy Assistance Program (HEAP) run by the Ohio Development Services Agency’s Office of Community Assistance (OCA) aims to assist low-income residents with home heating cost through financial assistance.

  • Phone number: 1-800-282-0880
  • Website: development.ohio.gov/is/is_heap.htm
  • Physical address:
    HEAP
    P.O. Box 1240
    Columbus, Ohio 43216

The Emergency Food Assistance Program (TEFAP)
The Emergency Food Assistance Program (TEFAP) assists Ohio families in poverty receive food through local Food Banks.

  • Phone number: 1-703-305-2680
  • Website: www.fns.usda.gov/tefap/emergency-food-assistance-program-tefap
  • Physical address:
    The Emergency Food Assistance Program (TEFAP) 3101 Park Center Drive, Room 504
    Alexandria, VA 22302

Medicaid
The federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship.

  • Phone number: 1-800-324-8680
    1-800-686-1516
  • Website: medicaid.ohio.gov/HOME.aspx
  • Physical address:
    Ohio Dept of Medicaid 50 West Town Street, Suite 400, Columbus, Ohio 43215

Temporary Assistance for Needy Families (TANF)
Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families or guardians with children as determined by state regulations. This program aims to further provide employment services and programs to ensure cash assistance is a temporary solution.

  • Phone number: 1-405-521-4391
    1-866-411-1877
  • Website: www.okdhs.org/services/tanf/Pages/TANFHome.aspx
  • Physical address:
    TANF2400 N. Lincoln Blvd.
    Oklahoma City, OK 73105

Supplemental Nutrition Assistance Program (SNAP)
The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.

  • Phone number: 1-405-521-3444
    1-866-411-1877
  • Website: www.okdhs.org/services/snap/Pages/default.aspx
  • Physical address:
    SNAPOklahoma Department of Human Services P.O. Box 25352
    Oklahoma City, OK 73125-0352

Low-Income Home Energy Assistance Program (LIHEAP)
Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents whose utilities are being threatened. They aim to offset some home heating and cooling cost through financial assistance and inexpensive weatherization.

  • Phone number: 1-405-521-3444
    1-866-411-1877
  • Website: www.okdhs.org/services/liheap/Pages/UtilityServicesLIHEAPMain.aspx
  • Physical address:
    LIHEAPSequoyah Memorial Office Building
    2400 N. Lincoln Blvd.
    Oklahoma City, OK 73105

Oregon HEAT
Operating as a nonprofit organization, Oregon HEAT provides energy education and resources for low income residents and residents in emergency situations to meet their basic utility needs.

  • Phone number: 1-503-612-6300
  • Website: www.oregonenergyfund.org/heat-oregon-proudly-changes-their-name-to-oregon-energy-fund/
  • Physical address:
    Oregon HEAT PO Box 127
    Tualatin, Oregon 97062-0127

Temporary Assistance to Needy Families (TANF)
Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.

  • Phone number: 1-503-945-5944
  • Website: www.oregon.gov/DHS/ASSISTANCE/CASH/Pages/Apply-TANF.aspx
  • Physical address:
    Temporary Assistance to Needy FamiliesDepartment of Human Services 500 Summer St NE Salem, OR 97301

Supplemental Nutrition Assistance Program (SNAP)
The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.

  • Phone number: 1-503-945-5600
  • Website: www.oregon.gov/dhs/assistance/food-benefits/pages/index.aspx
  • Physical address:
    Supplemental Nutrition Assistance Program (SNAP)Oregon Department of
    Human Services
    500 Summer St. NE
    Salem, OR 97301

Temporary Assistance to Needy Families (TANF)
Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families with children as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.

  • Phone number: 1-800-692-7462
  • Website: www.dhs.pa.gov/citizens/cashassistance/tanfandmovingtoindependence/index.htm
  • Physical address:
    Room 431 Health and Welfare Building, Harrisburg, Pennsylvania 17120

Low-Income Home Energy Assistance Program (LIHEAP)
Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance and inexpensive weatherization and insulation services.

  • Phone number: 1-570-296-6114
    1-800-692-7462
  • Website: www.dhs.pa.gov/citizens/heatingassistanceliheap/index.htm
  • Physical address:
    Pike County Assistance Office, Milford Professional Park Suite 101, 10 Buist Road Milford, PA 18377

Supplemental Nutrition Assistance Program (SNAP)
The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.

  • Phone number: 1-866-306-0270
    1-401-462-5300
  • Physical address:
    Providence Regional Family Center
    206 Elmwood Avenue
    Providence, RI 02907

Family Independence Program
The Family Independence (FI) is a program that temporarily helps families with dependants who are unable to meet basic needs by providing financial assistance, employment services, and training.

  • Phone number: 1-803-898-7601
    1-800-768-5700
  • Website: dss.sc.gov/content/customers/finance/fi.aspx
  • Physical address:
    Family Independence Program- TANF South Carolina
    Department of Social Services
    P.O. Box 1520
    Columbia, SC 29202-1520

Supplemental Nutrition Assistance Program (SNAP)
The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.

  • Phone number: 1-800-616-1309
    1-800-768-5700
  • Website: dss.sc.gov/assistance-programs/snap/
  • Physical address:
    Outreach Program at Clemson University University Center of Greenville 225 South Pleasantburg Dr. Greenville, SC 29607

Low Income Energy Assistance
Low-Income Energy Assistance Program (LIEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through yearly financial assistance and crisis services for those needing immediate utility services.

  • Phone number: 1-800-233-8503
  • Website: dss.sd.gov/economicassistance/energyassistance/lowincome.aspx
  • Physical address:
    Office of Energy Assistance 206 W. Missouri Ave. Pierre, SD 57501

Weatherization Assistance
The Weatherization Assistance program offers weatherization services to low income households including disabled individuals, families with dependant children, and the elderly. These services aim to reduce future energy costs making it easier for residents to stay warm.

  • Phone number: 1-605-256-6518
    1-800-233-8503
  • Website: dss.sd.gov/economicassistance/energyassistance/lowincome.aspx
  • Physical address:
    Weatherization Assistance South Dakota Department of Social Services Office of Energy Assistance
    910 East Sioux Ave.
    Pierre, SD 57501

Supplemental Nutrition Assistance Program (SNAP)
The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.

  • Phone number: 1-877-999-5612
    1-605-773-3493
  • Website: dss.sd.gov/economicassistance/snap/
  • Physical address:
    Social Services Dept. 700 Governors Dr Pierre, SD 57501

Temporary Assistance for Needy Families (TANF)
South Dakota Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.

  • Phone number: 1-605-773-4678
  • Website: dss.sd.gov/economicassistance/tanf/
  • Physical address:
    500 East Capitol, Pierre, SD 57501-5070

Temporary Assistance for Needy Families (TANF)
Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.

  • Phone number: 1-615-313-4700
    1-866-311-4287
  • Website: www.tn.gov/humanservices/topic/families-first-tanf
  • Physical address:
    Commissioner’s Office 400 Deaderick Street, 15th Floor
    Nashville, TN 37243-1403

Food Stamp Program
The federally funded Food Stamp Program provides eligible households with food assistance through monthly food benefits. If you’re in an eligible low-income household, you could receive these benefits to cover a portion of your food cost.

  • Phone number: 1-866-311-4287
  • Website: www.tn.gov/foodstamps
  • Physical address:
    Department of Human Services
    400 Deaderick Street, 15th Floor
    Nashville, TN 37243-1403

Home Energy Assistance (LIHEAP)
Low Income Home Energy Assistance Program (LIHEAP) aims to assist low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance.

  • Phone number: 1-615-313-3759
    1-615-313-3755
  • Physical address:
    Department of Human Services
    400 Deaderick Street, 15th Floor Nashville, TN 37243-1403

North Texas Food Bank
The North Texas Food Bank (NTFB) offers education and food products through various non-profit organizations across Texas in order to provide nutritous food for those who need it.

  • Phone number: 1-214-330-1396
  • Physical address:
    North Texas Food Bank
    4500 S. Cockrell Hill Road Dallas, TX 75236-2028

Texas Medicaid Program
In Texas, the federally funded program Medicaid provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship.

  • Phone number: 1-800-925-9126
    1-877-543-7669
    1-800-647-6558
  • Website: hhs.texas.gov/services/health/medicaid-chip
  • Physical address:
    Texas Medicaid Program
    HHSC
    P.O. Box 14200
    Midland, TX 79711-4200

Temporary Assistance for Needy Families (TANF)
Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.

  • Phone number: 1-888-834-7406
    1-888-425-6889
    1-800-448-3927
  • Website: yourtexasbenefits.hhsc.texas.gov/programs/tanf/families
  • Physical address:
    TANF
    Texas Health and Human Services Commission
    Brown-Heatly Building
    4900 N. Lamar Blvd.
    Austin, TX 78751-2316

Supplemental Nutrition Assistance Program (SNAP)
The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.

  • Phone number: 1-888-834-7406
    1-888-425-6889
  • Website: yourtexasbenefits.hhsc.texas.gov/programs/snap/
  • Physical address:
    Supplemental Nutrition Assistance Program (SNAP)
    701 W. 51st Street Austin, Texas 78751

Baby Your Baby
Baby Your Baby aims to provide temporary financial assistance to pregnant women to cover a protion of the cost of prenatal care.

  • Phone number: 1-800-826-9662
    1-801-538-6003
  • Website: www.babyyourbaby.org/financial-help/
  • Physical address:
    Baby Your Baby
    Utah Department of Health
    P.O. Box 141010
    Salt Lake City, UT 84114-1010

Home Energy Assistance Target (HEAT) Program
The Home Energy Assistance Target (HEAT) program offers financial assistance with landline and energy bills to meet basic needs.

  • Phone number: 1-866-205-4357
  • Website: jobs.utah.gov/housing/seal/heat.html
  • Physical address:
    Home Energy Assistance Target (HEAT)
    Utah Dept. of Workforce Services
    1385 South State Street, 4th Floor
    Salt Lake City, Utah 84115

Medicaid
Medicaid provides funding for medical and healthcare services for eligible citizens as specified by state restrictions. To qualify, residents must meet a certain level of income, age, and health status.

  • Phone number: 1-800-250-8427
    1-800-479-6151
  • Physical address:
    MEDICAID
    Green Mountain Care Board
    89 Main Street, Third Floor, City Center
    Montpelier, Vermont 05620

Reach Up in Vermont (TANF)
Reash Up is Vermont’s division of Temporary Assistance for Needy Families (TANF) provides monthly cash assistance benefits to eligible low-income families as determined by state regulations. This program aims to further provide employment services to ensure cash assistance is a temporary solution.

  • Phone number: 1-800-287-0589
    1-800-479-6151
  • Website: dcf.vermont.gov/benefits/reachup
  • Physical address:
    Reach Up in Vermont (TANF)
    Benefits Service Center 103 South Main Street
    Waterbury, VT 05676-1201

Seasonal Fuel Assistance
Vermont’s Seasonal Fuel Assistance (Home Heating Assistance) offers financial assistance to eligible households to cover a portion of your home heating needs.

  • Phone number: 1-800-479-6151
    1-802-241-1165
  • Website: dcf.vermont.gov/benefits/fuel-assistance
  • Physical address:
    Office of Home Heating Fuel Assistance
    103 South Main Street
    Waterbury, VT 05671-1201

3SquaresVT (Food Stamps)
The Supplemental Nutrition Assistance Program (SNAP), is known in Vermont as 3SquaresVT, and is formally known as Food Stamps. This program provides funding to low income households and the unemployed to buy nutritious food.

  • Phone number: 1-800-479-6151
    1-800-642-5119
  • Website: dcf.vermont.gov/benefits/3SquaresVT
  • Physical address:
    3SquaresVT
    DCF/Economic Services Division
    Application and Document Processing Center
    103 South Main Street
    Waterbury, VT 05671-1500

Energy Assistance (EA)
The Energy Assistance program of Virginia offers emergency energy services when eligible residents are unable to meet their home heating needs.

  • Phone number: 1-804-726-7000
    1-800-552-3431
  • Website: www.dss.virginia.gov/benefit/ea/
  • Physical address:
    Virginia Energy Assistance –
    Virginia Department of Social Services (VDSS)
    801 E. Main Street
    Richmond, VA 23219-2901

Supplemental Nutrition Assistance Program (SNAP)
The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides funding to low income households and unemployed residents to buy nutritious food.

  • Phone number: 703-324-3000
  • Website: www.dss.virginia.gov/benefit/snap.cgi
  • Physical address:
    Supplemental Nutrition Assistance Program Fairfax
    12011 Government Center Parkway
    Fairfax, VA 22035

2-1-1 VIRGINIA
2-1-1 VIRGINIA callcenter can offer connections to resources and programs available for those looking for assistance within your community.

  • Phone number: 211
  • Website: 211.getcare.com/consite/
  • Physical address:
    2-1-1 VIRGINIA
    PO Box 598
    Roanoke, VA 24004

Emergency Food Network
The Emergency Food Network offers access to more than 70 programs for low income residents seeking emergency food assistance.

  • Phone number: (253) 584-1040
  • Website: www.efoodnet.org/
  • Physical address:
    Emergency Food Network3318 92nd Street South
    Lakewood, WA 98499

Tri-Cities Food Bank
Tri-Cities Food Bank offers individuals in Benton City, Kennewick and Richland emergency food services and refferals to other emergency assistance programs in the area.

  • Phone number: (509) 943-2795
  • Website: www.tricitiesfoodbank.org/
  • Physical address:
    Tri-Cities Food Bank321 Wellsian Way, Richland, WA, 99352,

Volunteer Food & Resource Center
The Volunteer Food & Resource Center provides low income residents with emergency food and resources within and surrounding the Colville area.

  • Phone number: (509) 684-2971
  • Physical address:
    Colville Food Bank210 South Wynne, Colville, WA, 99114

West Seattle Food Bank
The West Seattle Food Bank helps individuals and families in need meet their basic needs though access to nutritious food.

  • Phone number: (206) 932-9023
  • Website: www.westseattlefoodbank.org/
  • Physical address:
    West Seattle Food Bank3419 Southwest Morgan Street
    Seattle, WA 98126

Bellingham Food Bank/Alternatives to Hunger
This organization offers assistance to low-income residents of Bellingham through weekly food allowances to meet their basic needs until they are able to become self-sufficient.

  • Phone number: (360) 676-0392
  • Website: www.bellinghamfoodbank.org
  • Physical address:
    Bellingham Food Bank1824 Ellis Street
    Bellingham, WA 98225

Capital Area Food Bank Hunger Lifeline
Capital Area Food Bank (CAFB) Hunger Lifeline program aids individuals in need of emergency food assistance through a referral program within their network of partners.

  • Phone number: 1-202-644-9807
    1-202-644-9800
  • Website: www.capitalareafoodbank.org/learn/getting-help
  • Physical address:
    Capital Area Food Bank
    4900 Puerto Rico Avenue, NE
    Washington, DC 20017

The Utility Discount Programs
The Utility Discount Program assists eligible low income residents with the cost of their utilities. Eligible residents must meet the guidelines set out by the U.S. Department of Health and Human Services.

  • Phone number: (202) 576-8000
    (202) 727-5355
  • Website: doee.dc.gov/udp
  • Physical address:
    The Utility Discount Programs 1207 Taylor St.
    W. Washington, DC 20011

Low Income Home Energy Program
DDOE runs the District’s Low Income Home Energy Assistance Program (LIHEAP) which aims to assist low-income, disabled, or elderly residents whose heating has been disconnected or who have received notice of disconnection.

  • Phone number: 1-202-673-6750
    1-202-535-2600
  • Website: ddoe.dc.gov/liheap
  • Physical address:
    LIHEAP District Dept of the Environment 1200 First Street NE, Washington, DC 20002

West Virginia Supplemental Nutrition Assistance Program (SNAP)
The Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides monthly funding to low income households and unemployed residents to buy nutritious food.

  • Phone number: 1-800-642-8589
    1-304-558-3733
  • Website: www.benefits.gov/benefits/benefit-details/1591
  • Physical address:
    WV SNAP
    West Virginia Family Nutrition Program
    3110 MacCorkle Ave., SE
    Charleston, WV 25304

West Virginia Bureau for Medical Services
West Virginia Bureau for Medical Services is the office of the federally funded program Medicaid, which provides funding for medical and healthcare services for eligible citizens with limited resources. To qualify, residents must meet a certain level of income, resources and citizenship.

  • Phone number: 1-304-558-7892
  • Website: www.dhhr.wv.gov/bms/Pages/default.aspx
  • Physical address:
    WV Bureau for Medical Services
    Room 251
    350 Capitol Street
    Charleston, WV 25301

Wisconsin Home Heating Assistance Programs
The Wisconsin Home Energy Assistance Program (WHEAP) helps eligible households with the cost of heating their homes. If you are low-income, disabled, or an elderly resident, you could be eligible for utility benefits.

  • Phone number: 1-608-267-3680
    1-866-432-8947
  • Website: homeenergyplus.wi.gov/category.asp?linkcatid=239
  • Physical address:
    Home Energy +
    PO Box 7868
    Madison, Wisconsin 53707-7868

Home Weatherization
The Home Weatherization program offers weatherization services to eligible low income households and those with limited resources. These services aim to reduce future energy costs making it easier for residents to fund their energy needs.

  • Phone number: 1-414-873-4945
  • Website: www.weatherizationservices-wi.com
  • Physical address:
    Weatherization Services
    3252 N 81st Street Milwaukee, WI 53222-3812

Wyoming Supplemental Nutrition Assistance Program (SNAP)
The Wyoming Supplemental Nutrition Assistance Program (SNAP), is a government assistance program formally known as Food Stamps. This program provides monthly funding to low income households and unemployed residents to buy nutritious food as well as providing connections to other assistance programs.

  • Phone number: 1-877-290-9401
  • Website: dfsweb.wyo.gov/economic-assistance/snap
  • Physical address:
    Supplemental Nutrition Assistance Program (SNAP)
    2300 Capitol Ave Third Floor Hathaway Building Cheyenne, WY 82002

Heating Assistance (LIEAP)
Low Income Energy Assistance Program (LIEAP) aims to assist eligible low-income, disabled, or elderly residents with home heating and cooling cost through financial assistance paid on your behalf. This program runs from October through February and is dependent on household factors set out by the state.

  • Phone number: 1-307-347-6181
    1-800-246-4221
  • Website: dfsweb.wyo.gov/economic-assistance/lieap
  • Physical address:
    Heating Assistance (LIEAP)
    400 East 1st Street,Ste. 206Casper, WY 82601

Unemployment Insurance Division
Unemployment Insurance offers temporary assistance to individuals who unemployed or who have lost their job without fault. If you are unemployed, seeking employment, and meet other requirements set out by your state, you may qualify for temporary benefits.

  • Phone number: 1-307-473-3789
    1-307-235-3264
  • Website: www.benefits.gov/benefits/benefit-details/1831
  • Physical address:
    Unemployment Insurance Division
    100 W. MidwestP.O. Box 2760Casper, WY 82602

8 other alternatives to consider

1. Ask friends or family for help

Consider asking your friends or family to help cover short-term financial needs. They may be more than happy to lend a hand. This type of personal loan often has the advantage of no interest.

2. Consider an installment loan

You can typically get an installment loan quickly and at a better interest rate and longer repayment terms than a payday loan. Some lenders may even look at more than your credit score when evaluating your application. Check out the lenders in the table below for installment loan options.

Compare online installment loans with quick turnaround times

3. Consolidate debt

If high-interest debt is holding you back from meeting your other financial obligations, you might benefit from consolidating that debt. This means borrowing money to pay off multiple debts, then paying off that one loan. This reduces the confusion of having multiple payments and may even offer a lower monthly payment while you eliminate your debt. You could save on interest and pay off your debt faster.

Get out of a payday loan cycle by consolidating debt + other steps

4. Look into a credit card cash advance

Cash advances aren’t always the best option because of their high APRs, but in a pinch, the fees and terms may be better than what you can find with a payday loan. It’s often better to take the high rate for a cash advance that you can pay off over a longer term.

Avoid payday loans with the Build Card for bad credit

5. Find quick ways to make extra cash

If you’re short just a bit of money, you could find a quick gig to collect some cash. Car and house sharing, selling unwanted items and market research are a few ways you can bring in money if you have extra time. The effort may pay off double-time. You won’t have to pay interest on a loan, and you could discover a new stream of consistent revenue.

6. Negotiate with your creditors

At the end of the day, your creditors want to get paid, and they may be willing to work with you to ensure that they do. Contact them and tell them you’re having trouble keeping up with your debt. They may help you create a repayment plan or extend your due date to ease your financial burden.

7. Get a loan from a bank or credit union

You may be able to take out a small loan with your banking institution. Credit unions especially are known for offering loans at great rates. Furthermore, they’re often more willing to look at additional approval factors besides finances when extending loans, such as how long you’ve held your account.

8. Seek credit counseling

A credit counselor, community assistance program or other nonprofit can help you create a budget and a debt repayment plan. The main benefit to credit counseling is solving the structural issues that led to your financial problems in the first place. You may even have enough savings right away that’ll help you avoid taking out a payday loan.

You can find a reputable credit counseling agency with the National Foundation for Credit Counseling.

Did you know? There's a free mobile app you can use to get cash you've earned today.

Earnin is a free mobile app that offers cash based on your paychecks and work schedule. Request up to $100 a day with an optional tip. Read our review.

Bottom line

When money is tight, the last thing you need is pressure to divert your hard-earned cash into paying excessive fees and services. Carefully explore your alternatives to make an informed decision on how to best handle your financial situation before taking out a payday loan.

Frequently asked questions

Payday loans are enticing because they can give you extra cash very quickly, but the price for convenience is crushing interest rates, which can be 400% or even more. The interest can add up quickly, especially if you find yourself returning to payday loan centers repeatedly. When each future paycheck is going toward paying off your payday loans, you could very easily get stuck in an endless cycle of debt.

There may be better ways to cover a cash shortfall that are less likely to leave you trapped by your creditors.

If you’re considering a payday loan, it’s a good idea to look into credit counseling. Counseling might not solve your immediate financial problems, but it can help you repair the structural issues that led to your cash crunch in the first place (such as uncontrolled spending). It may be hard to see the light at the end of the tunnel right now, but we recommend investing a bit of time to organize your finances through counseling. The effort you spend now will pay off over the long run.

If you have bad credit, you’ll likely have fewer options when looking for a loan. However, there are lenders willing to work with applicants who have bad credit. The interest rates they offer may not be the most attractive, but you’ll still be getting a better deal than you’d get from a payday loan.

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2 Responses

  1. Default Gravatar
    RoyalSeptember 6, 2017

    What options for a loan…Income retired expense. Senior City Housing

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