Free money help
If you’re worried about debt, bills or a scam, you’re not alone, and you don’t have to sort it out by yourself. These services in the US are free and confidential.
Debt and credit counseling
Non-profit counselors can help you make a plan, talk to lenders and set up a debt management plan.
-
NFCC (National Foundation for Credit Counseling)
Non-profit credit counseling and debt management plans, often free or low-cost.
-
HUD-approved housing counselors
Free help if you’re behind on rent or your mortgage, or buying a first home.
Money questions and complaints
Free, independent information, and somewhere to turn if a bank or lender treats you unfairly.
-
Consumer Financial Protection Bureau (CFPB)
Plain-English answers on credit, loans and banking, and a place to submit complaints.
-
IRS Free Tax Return Preparation (VITA)
Free tax return help for people on lower incomes, so you get every credit you’re due.
Benefits and local help
Find out what support you can get with food, bills, housing and health care.
-
211
Connects you to local help with rent, utilities, food and more.
-
USA.gov benefit finder
Check which federal benefits you might qualify for.
Scams and identity theft
If you’ve lost money, contact your bank first, then report it.
-
FTC ReportFraud
Report scams and fraud to the Federal Trade Commission.
-
IdentityTheft.gov
A recovery plan if someone used your personal details.
If you’re struggling
Money worries can weigh heavily. If you’re struggling to cope, these services are free and confidential, any time.
-
988 Suicide & Crisis Lifeline
Call or text 988 to talk to someone, day or night.
Getting back on track
When things are calmer, a plan helps. The money check-up gives you yours in two minutes.
Take the money check-up