Managing financial obligations can be overwhelming, especially for those living on a limited income. However, many people are unaware that they may be eligible for assistance with certain bills. From medical expenses to utility costs, there are various programs and options available to help alleviate financial burdens.

Here are 5 bills you may not have to pay if you’re struggling financially:

Think Rich, Live Rich: Dave Ramsey’s Guide to Changing Your Mindset for Financial Success

Here are 5 bills you may not have to pay if you’re struggling financially:

1. Medical Bills

  • Medicaid: A government program providing health coverage to low-income individuals and families.
  • Charity Care: Many hospitals offer free or reduced-cost care to patients who meet certain income requirements.
  • Financial Assistance Programs: Some healthcare providers offer programs like Medicare Extra Help or Patient Access Network Foundation.

2. Utility Bills

  • Low-Income Home Energy Assistance Program (LIHEAP): A federal program helping low-income households pay energy bills.
  • Utility Company Assistance Programs: Companies like PG&E, Con Edison, and ComEd offer discounted rates or payment plans for low-income customers.
  • Weatherization Assistance Program: A program providing energy-efficient upgrades to low-income households.

3. Mortgage Payments

  • Freddie Mac’s Relief Refinance: A program helping low-income homeowners refinance their mortgage.
  • Fannie Mae’s HomeReady: A program offering affordable mortgage options for low-income borrowers.
  • HUD’s Home Affordable Modification Program (HAMP): A program helping homeowners modify their mortgage payments.

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4. Phone and Internet Bills

  • Lifeline Program: A federal program providing discounted phone and internet services to low-income households.
  • Affordable Connectivity Program (ACP): A program offering discounted internet services to low-income households.
  • Internet Essentials: A program by Comcast offering low-cost internet services to low-income families.

5. Student Loans

  • Income-Driven Repayment (IDR) Plans: Plans like Income-Based Repayment (IBR) and Pay As You Earn (PAYE) can lower monthly payments.
  • Public Service Loan Forgiveness (PSLF): A program forgiving student loans for borrowers working in public service jobs.
  • Temporary Deferment or Forbearance: Options allowing borrowers to temporarily suspend or reduce payments.

Want to stand out in your career? Read The One Answer “That’ll End an Interview Instantly”: 7 Insider Hiring Tips for 2025 .

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