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State Financial Resources

Assistance Programs by County

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Senior Assistance

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LIHEAP Energy Bill Assistance

Charity Assistance

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Community Action Agencies

Medical Bills

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Financial assistance programs in Tennessee.

Find grants to help pay bills, financial assistance programs and support from organizations that cover all Tennessee cities and counties listed below, including Nashville and Memphis. Learn where and how to apply for help. There is grant money from government assistance programs as well as public benefits. Or locate housing and rent assistance programs, free child care, USDA food programs, energy bill help and much more in TN.

CoverKids is a low cost, comprehensive government health insurance plan for children age 18 and under. It is the state’s version of the federal government CHIP program. TN provides free or low cost health care as well as maternity coverage for pregnant women. There is no monthly premium to pay. Dial 855-259-0701

Link-up and Lifeline
Link-Up program will pay for one half of the installation charges for new telephone service. It covers both land lines and cellular phones up to a maximum of $30.00. Lifeline Provides a discount of up to $13.50 per month on the local service portion of your monthly telephone bill. Find additional details on Lifeline. More on government telephone assistance programs.

Access to Care
This program assists uninsured or underinsured residents of Nashville. It will provide health/dental insurance programs based on an individuals ability to pay. This program will also assist with paying for prescription medications and provide transportation. Call 615-340-0573, or find free transportation for the disabled.

CoverRx is a component of Tennessee's CoverTN healthcare coverage program. It will provide affordable prescription medications to eligible state residents. Most of the support is for the low-income as well as TN residents who do not have prescription drug benefits or coverage through their existing insurance. Dial 1-800-356-3477

Day and Child Care
Low income and working poor families may qualify for free government vouchers and financial aid from this Tennessee and federal government funded program. Subsidies and vouchers are available. Click more information on free daycare in Tennessee.




Mortgage and Foreclosure Assistance
Find how to get mortgage help, foreclosure assistance, and general housing aid in Tennessee. Counseling, mediation, loan modifications, and financial assistance may be offered. Learn more Tennessee mortgage assistance.

In addition to those state run programs, federal government HUD approved housing counseling agencies can also help homeowners. Read more on Tennessee HUD counseling agencies.

Express Access Drug Discount Card
This discount drug program will provide up to 50% off generic drugs and 10% off name brand prescriptions for Tennessee residents who were disenrolled from TennCare. Find additional ways get discounted medications. Read more free prescription drugs.

The Medicaid program fpr low-income families, the disabled and uninsured. The government benefit provides medical benefits to eligible individuals who are in need of financial aid. Coverage is offered to those families who may have no medical insurance or inadequate health insurance. 1-800-342-3145.

Government Assistance and Public Aid
Department of Human Services administers programs for the low income, unemployed, and working poor. Resources can assist with paying medical and health care bills, offer cash assistance for basic needs such as rent and other help. More Tennessee public assistance.

Free Legal Services for Civil Cases
Attorneys and non-profit law firms in Tennessee provide residents with access to lawyers, free legal advice, and other support. Learn more on free lawyers in Tennessee.

Home or Cell Phone Discounts
The Tennessee Regulatory Authority partners with telephone companies to offer monthly discounts. This resource is available to certain low income families and can help them save on their bills or connection costs. Click more information on Tennessee Lifeline program.





Federal Temporary Assistance for Needy Families (TANF) - Families First
Families First aid will provide temporary cash grants and benefits to families who have children or those who are experiencing financial difficulties. The Families First government assistance program emphasizes training, work, and personal responsibility. Call 1-866-311-4287

Temporary and Transition Housing
Residents that were evicted or are homeless have housing programs and resources available to them. In addition to a temporary place to live in Tennessee, also access job training, self-sufficiency, education, food, and other support. More on transitional housing in Tennessee.

Emergency Financial Assistance and Case Management in Tennessee
The nation’s leading non-profit organization, which is the Salvation Army, can provide advice, counseling, and financial aid. Find information on centers to call for help for paying electric bills, food, holiday meals and gifts, and other help. Click here Salvation Army assistance programs in Tennessee.

Food Stamp Program
Provides nutritional assistance benefits to both families and children, the disabled, elderly, unemployed and struggling, working families. Phone - 1-800-356-3477.

National Charities
are several with operations in Tennessee. They offer emergency financial help, free transportation for health-care, housing, food, and more. Find bill paying help from charities.

Housing and Social Services
The state government of Tennessee can provide qualified low income, seniors, and disabled with everything from vouchers to pay rent, free food, energy bill assistance and more. Locate emergency assistance in Tennessee.

Assistance for Seniors in Tennessee
The elderly, adults over 55, and senior citizens can get help. Agency on Aging and other non-profits provide financial assistance, medical bill assistance, free food, home delivered meals and more. Additional details on Tennessee Agency on Aging.

Vouchers for Paying Rent
The state of Tennessee partners with HUD to provide federal government housing choice vouchers (or section 8) to low income families. The assistance can be used to pay a portion of rental expenses. Other subsidized housing may be available for seniors or the disabled. Click Tennessee section 8 HUD vouchers.

Debt Reduction, Credit Repair, and Financial Advice
A number of resources and non-profit organizations can help individuals pay and reduce debts, offer housing counseling, and administer general budgeting and financial advice. Read more free credit counseling in Tennessee.

Employment Programs and Government Grants
Community action agencies can help people apply for grants for paying for basic needs, such as utilities or food. However the focus is on providing opportunities to the less fortunate, including job training, self-sufficiency, child care, and similar services. Additional details on Tennessee community action agencies.







The unemployed and residents looking to gain new skills can get help from Career Center. Career Center across Tennessee provide a number of employment services to residents. Read Tennessee free job training.

Help for Veterans from Operation Stand Down
Veterans across Tennessee can receive counseling, employment readiness training and placement assistance, housing assistance, and more from this organization. Click here Operation Stand Down.

Energy, Cooling, and Utility Bills
Find an extensive listing of grants and financial assistance programs that can help customers pay their bills. Most utility companies in Tennessee offer grants and energy conservation programs. More on Tennessee utility assistance programs.

Food Banks and Pantries
Dozens of distribution centers, including non-profit organizations, churches, and government run agencies can provide free food and groceries to individuals and families who need help. Learn more on Tennessee free food banks.

Eviction and homeless assistance in Tennessee
Tenants, homeowners, and the homeless can get help from the federal government Emergency Solutions Grants. Funds from non-profits can be used for paying rent, partial mortgage payments, or the security deposit on a new low income apartment. More on Tennessee eviction prevention services.

Disabled Assistance Programs
Some of what may be provided in Tennessee includes medical care, financial support, vocational job training, home care, application assistance and more. Both the individual with the disability and their family may qualify for assistance and other government benefits. Find more information on Tennessee disability financial aid.

Health Care Centers and Free Clinics
Low income and people with no or limited health insurance may be able to qualify for free or inexpensive health care from clinics in Tennessee. Click here to read more on free community clinics in Tennessee.

If you need access to free or reduced priced dental care, regardless of your income and health insurance coverage, several clinics focus on offer dental assistance. Find Tennessee free dental clinics.

Individuals who completely lack health insurance or who are underinsured have resources available to them. The state government of Tennessee offers medical care and several other organizations are also committed to assisting these patients. Read uninsured medical care in Tennessee.

Low Income Home Energy Assistance Program (LIHEAP)
Is 100% funded by the federal government but operated locally in TN. LIHEAP grant money helps low-income, elderly and disabled households pay their utility bills. There may be financial assistance for electric, heating, gas and even air conditioning bills. It is often combined with free weatherization measures too. More on LIHEAP low income energy help in TN.

Assistance From Tennessee Cities and Counties

Select a county and/or city below to find local emergency (or long term) financial assistance. As each local area of TN has programs from charities, social services and other agencies that can help low-income families.

Anderson County (Clinton)

Bedford County (Shelbyville)

Benton County (Camden)

Bledsoe County (Pikeville)

Blount County (Maryville)

Bradley County (Cleveland)

Campbell County (Jacksboro)

Cannon County (Woodbury)

Carrol County (Huntingdon)

Carter County (Elizabethton)

Cheatham County (Ashland City)

Chester County (Henderson)

Claiborne County (Tazewell)





Clay County (Celina)

Cocke County (Newport)

Coffee County (Tullahoma)

Crockett County (Alamo)

Cumberland County (Crossville)

Davidson County (Nashville)

De Kalb County (Smithville)

Decatur County (Decaturville)

Dickson County (Charlotte)

Dyer County (Dyersburg)

Fayette County (Somerville)

Fentress County (Jamestown)

Franklin County (Winchester)

Gibson County (Trenton)

Giles County (Pulaski)

Grainger County (Rutledge)

Greene County (Greeneville)

Grundy County (Altamont)

Hamblen County (Morristown)

Hamilton County (Chattanooga)

Hardeman County (Bolivar)

Hardin County (Savannah)

Henry County (Paris)

Houston County (Erin)

Humphreys County (Waverly)

Jackson County (Gainesboro)

Jefferson County (Dandridge)

Knox County (Knoxville)

Lake County (Tiptonville)

Lauderdale County (Ripley)

Lawrence County (Lawrenceburg)

Lewis County (Hohenwald)

Lincoln County (Fayetteville)

Loudon County





Macon County (Lafayette)

Madison County (Jackson)

Marion County (Jasper)

Marshall County (Lewisburg)

Maury County (Columbia)

Monroe County (Madisonville)

Moore County (Lynchburg)

Montgomery County (Clarksville)

Morgan County (Wartburg)

Obion County (Union City)

Overton County (Livingston)

Pickett County (Byrdstown)

Putnam County (Cookeville)

Roane County (Kingston)

Robertson County (Springfield)

Rutherford County (Murfreesboro)

Scott County (Huntsville)

Sevier County (Sevierville)

Shelby County (Memphis)

Smith County (Carthage)

Stewart County (Dover)

Sullivan County (Blountville)

Sumner County (Gallatin)

Tipton County (Covington)

Trousdale County (Hartsville)

Union County (Maynardville)

Upper Cumberland area of Tennessee.

Van Buren (Spencer)

Warren County (McMinnville)

Washington County (Jonesborough)

Weakley County (Dresden)

White County (Sparta)

Williamson County (Franklin)

Wilson County (Lebanon)

By Jon McNamara

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