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Generally, you can apply for these at a bank or credit union. You may consider a short-term loan to help cover unexpected expenses or help you address a specific concern (for example, a debt consolidation loan to help convert several bills into one loan payment). For example, utility assistance may help reduce your gas, electric or water bill – or stop them from being disconnected. In some cases, assistance may not pay your bills directly, but programs may help in other ways. Depending on the type of program, you may need to qualify for assistance. Additionally, some utility companies may offer ways to help you pay specific types of bills, such as your gas or electricity bill. These government programs or community services could provide utility assistance, emergency assistance, rental assistance, and more. There may be assistance programs offered by your local government agencies, community organizations or even churches that can offer financial assistance. How to get help paying billsĪssistance programs. Read on as we outline some considerations to factor in when you need help paying bills. So, what are your options to get help paying bills? If you’re looking to simply make ends meet, but also want to make thoughtful choices for your financial future, it’s important to weigh the options.

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