Benefits & Free Money Finder
Answer six quick questions and we'll identify the government assistance programs, nonprofit grants, and creditor hardship options you may qualify for — based on your actual situation.
Where do you live?
We use your state to find programs available in your area.
Quick Answer: The Benefits & Free Money Finder identifies government assistance programs, nonprofit grants, and creditor hardship options you may qualify for — based on your state, household size, income, and situation. Answer 6 questions and receive a free personalized report instantly. No sign-up required.
Programs This Tool Checks
Based on your answers, we evaluate eligibility for these categories of assistance:
Food Assistance
- SNAP (Supplemental Nutrition Assistance Program)
- WIC (Women, Infants, and Children)
- Feeding America food bank network
Health Coverage
- Medicaid
- CHIP (Children’s Health Insurance Program)
- Hospital charity care and financial assistance
Housing & Utilities
- Section 8 Housing Choice Voucher
- LIHEAP (home energy assistance)
- Weatherization Assistance Program
Income & Cash Assistance
- TANF (Temporary Assistance for Needy Families)
- SSI (Supplemental Security Income)
- SSDI (Social Security Disability Insurance)
- Unemployment Insurance
Veteran & Military
- VFW Unmet Needs grants
- Army Emergency Relief
- VA Financial Hardship Assistance
- Servicemembers Civil Relief Act (SCRA)
Debt & Bill Relief
- Credit card hardship programs
- Mortgage forbearance and modification
- Federal student loan income-driven repayment
- Utility payment arrangements
How This Works
- Answer 6 questions about your household, income, and situation.
- We analyze your answers against federal, state, and nonprofit program eligibility rules.
- You get a report listing programs you likely qualify for, with direct links to apply.
This tool provides general educational information only. Program eligibility is determined by the administering agency. Always verify current requirements before applying.
Frequently Asked Questions
Is this tool really free?
Yes. The Benefits & Free Money Finder is completely free to use. There is no sign-up, no email required, and nothing to pay. GetOutOfDebt.org does not sell your information or earn commissions from any of the programs listed in your report.
Do you store my answers?
No. Your answers are used only to generate your personalized report and are not stored, logged, or shared. We do not collect names, email addresses, or any identifying information.
What government programs does this tool cover?
The tool evaluates eligibility for major federal programs including SNAP, Medicaid, CHIP, LIHEAP, WIC, TANF, SSI, SSDI, Section 8 housing vouchers, and Unemployment Insurance. It also covers veteran and military family resources, nonprofit assistance organizations, and creditor hardship accommodation programs for credit cards, mortgages, medical bills, student loans, and utility bills.
How accurate are the results?
The tool provides general eligibility guidance based on published federal and state program criteria, including 2025 Federal Poverty Level guidelines. It identifies programs where your situation meets published thresholds. Final eligibility is always determined by the administering agency — the tool is a starting point, not a guarantee.
Can I print or save my results?
Yes. After your report generates, click the “Print / Save PDF” button at the bottom. Your browser will open the print dialog, where you can save it as a PDF. The printed report includes the GetOutOfDebt.org branding so anyone you share it with can run their own report.
Does this work for all 50 states?
Yes. The tool covers all 50 states plus the District of Columbia. State is used to identify programs specific to your location, since Medicaid eligibility thresholds, SNAP rules, and utility assistance programs vary by state.
What if I make too much money to qualify for most programs?
Many people assume they earn too much to qualify, but income thresholds are often higher than expected — especially for programs covering children, pregnant women, or people with disabilities. The tool will also identify creditor hardship programs and nonprofit resources that are not income-restricted. Even households with moderate income may have options.
Who built this tool?
This tool was built by GetOutOfDebt.org, founded by Steve Rhode — a debt expert who filed bankruptcy in 1990, founded a 70-person nonprofit credit counseling organization, and has been helping people navigate financial difficulty since 1994. Steve’s philosophy: give people all the information they need to make an informed decision that is right for their situation.
