Money Assistance Alabama – Help paying bills, rent, loans & more

In Alabama, 18.7% of residents are considered to be living in poverty. Poverty USA goes on to rank the state at a poverty level of 44 out of 50 when compared to other states. This means that there are substantial amount of families and individuals doing it tough. Fortunately, the state of Alabama has various programs aimed at easing the financial burden.

Below are multiple ways to get financial help in Alabama. Services that include help paying bills, rent, food/groceries, personal loans, debt relief and as mentioned various government benefits and support agencies across Birmingham, Montgomery, Huntsville and all other cities in Alabama.

Social Security Loans (SSI)
Many residents living in Alabama collecting Social Security may qualify for more financial assistance through SSI. For those whose only income is Social Security and you are in need of a loan, there may be specialist lenders who will assist. Learn more about SSI and other social security loan options here.

Assistance with Utilities: For assistance with utilities, the Low Income Home Energy Action Center (LIHEAP) can help Alabama residents. This is an income based program and eligible individuals may have an income that is up to 150% of the poverty level. If you do not qualify for LIHEAP, Operation Warm is a program organized by the Community Action Partnership of North Alabama that helps to offset utility bill costs for needy families or individuals.

Food Assistance: Within Alabama, the Food Assistance Division makes the Supplemental Nutrition Assistance Program (SNAP) available to families that need help buying food. The goal of the program is to end statewide hunger and improve nutrition. SNAP provides monthly benefits that can be used to buy food from participating stores. This program is income based. Food pantries are also available to Alabama residents in need that do not qualify for assistance from SNAP.

Loan Assistance: If you are having difficulties qualifying for a loan. Visit our low interest low income loans section and learn about great options. Avoid expensive micro or payday loan providers and see how a specialty loan from the banks, credit unions or non-profits can help.


Rent and Mortgage: The U.S. Department of Housing and Urban Development can help Alabama residents with rent and mortgages. For help with rent, subsidized apartments can help apartment owners to offer reduced rent to low income tenants. Public Housing Agencies (PHA) exist and can provide lowered rent with the use of Housing Choice Vouchers. These vouchers are used to pay the landlords the rest of the portion of rent. If you’re a homeowner and you need assistance with your mortgage, contact Alabama Government Mortgage Help.

Medical Assistance: For medical assistance in Alabama, there are programs aimed to help residents have access to healthcare. For children, the All Kids children’s health insurance program is available to offer low cost insurance for children who are under the age of 19. Medicaid is available for low-income pregnant women, children, certain individuals on Medicare, disabled individuals and nursing home residents in order to pay for medical and long term care services.

Educational Assistance: For Educational Assistance, Alabama Residents can turn to The Office of Student Assistance. This program administers various state sponsored financial aid programs for students. These include the Alabama Student Assistance Program, the Alabama Student Grant Program, the Alabama national Guard Educational Assistance Program and the Police Officer’s and Firefighter’s Survivor’s Educational Assistance Program. Every one of these programs is aimed at making higher education more accessible and affordable.

Community Action Centers: The Community Action Association of Alabama is an organization aimed at fighting poverty. They work to make local, state, federal and private resources more available to the residents of Alabama who are in need. They coordinate various assistance programs in Alabama.

Charities: Charities exist because there are people and organizations that want to help. If you or your family is in need of assistance, reach out to one of the available charities in Alabama. Catholic Charities is a charity that will assist qualifying residents regardless of their religion, race, age or gender. They offer help with food, emergency financial aid, housing, clothing and even holiday assistance.


Learn more about free items and other money assistance services in Alabama, including: Free clothes, furniture, car, school accessories, help with fines, seasonal items & more!
The below services are in general and may not be available in Alabama. However, if not available, many may have partnerships with other organizations through out the state that they can connect you with.

Free Hotel or Motel Vouchers for the Homeless or Emergencies
Those experiencing hardship and are without a roof over their head can access different types of short and possibly longer term accommodation throughout Alabama. Learn more about accommodation assistance in here.

Dealing with tickets or fines
If you have unpaid tickers or fines, avoiding them will only create further financial and credit problems. Learn about ways to get assistance with dealing with fines in Alabama, from requesting a waiver or challenging inaccurate fines. Get the information you need to tackle fines here.

How to get a free laptop or computer
Low income families have a range of organizations that provide free technology assistance such as computers and laptops throughout the country including Alabama. Learn about what free computers and laptop organizations are near you and how to apply here.

Getting a free or low cost car
At any given time there are different organizations that assist low income earners with transportation. Across the country and in Alabama there are different services that assist people with getting a vehicle. Learn more about free cars, how to get one and where to apply.

How to get free gas for emergencies
Gas prices in Alabama like most of the country are extremely high. This can put serious pressure on the family budget. For those dealing with cashflow issues and finding it hard to put fuel in the car, there is help. Learn how to get free gas for emergencies through free gas vouchers.