Many of the most valuable services in a community are free, but they are not always well advertised. This guide highlights the ones that can save you the most money or solve the most problems, and explains how to find them near you.
Your public library
A library card gives you far more than books. Most libraries offer free internet and computers, printing and scanning, help with job applications and benefit forms, classes in everything from English to computer skills, and free access to e-books, audiobooks, music and movies. Many also lend Wi-Fi hotspots, museum passes, tools and even seeds. Staff are used to helping people with practical questions, so just ask.
Community action agencies
Community action agencies are local nonprofits, found across the country, that work to reduce poverty. A single agency may run energy assistance, weatherization, food programs, housing help, job training and Head Start early education programs. The Community Action Partnership has a tool to find the agency serving your county. It is often the best first stop when you need help with several things at once.
Free tax preparation
The IRS Volunteer Income Tax Assistance (VITA) program offers free tax help to people who earn below an income threshold that the IRS updates each year, as well as to people with disabilities and those with limited English. Trained volunteers prepare and e-file your return at no cost, and they check for credits you may have missed, such as the Earned Income Tax Credit. Find a site on the IRS VITA page. Adults 60 and over can get similar help through the Tax Counseling for the Elderly program. Avoid paying high fees for refund advances or “instant” refunds.
Free legal help
Legal aid organizations provide free civil legal help to people with low incomes in areas such as housing and eviction, benefits denials, consumer debt, family matters and domestic violence. Search for a provider at LawHelp.org, or ask your local bar association about free clinics and referral programs.
Free job help
American Job Centers offer free career counseling, resume help, job search workshops, training referrals and sometimes support such as transportation or childcare assistance while you train. Find one through CareerOneStop, run by the U.S. Department of Labor.
Free and low-cost items for your household
- Buy Nothing and Freecycle groups. Neighbors give away furniture, clothes, baby gear and household items for free. Search for your neighborhood group online.
- Clothing closets and furniture banks. Churches, schools and nonprofits often distribute clothing, school supplies, diapers and household goods. Dial 211 to find them.
- Thrift and consignment stores. Many offer discount days for seniors, students or low-income shoppers.
Childcare and early education
Head Start and Early Head Start provide free early learning and family support for eligible children from birth to age 5. Your state may also have a childcare subsidy program that helps working parents pay for care. Contact your local community action agency or dial 211 to ask.
Free financial counseling
Nonprofit credit counselors can help you build a budget, deal with debt and talk to creditors. Look for a reputable nonprofit, such as an agency affiliated with the National Foundation for Credit Counseling, and avoid companies that charge large upfront fees or promise to erase your debt.
Parks, senior centers and community centers
- Parks and recreation departments often offer fee waivers or scholarships for classes and camps.
- Senior centers provide meals, activities, transportation and benefits counseling.
- Community centers frequently host free clinics, food distributions and job fairs.
How to find what is near you
Start with 211, our resource directory and your local library. Most of these services are listed on the website of your city or county, too. Wherever you look, remember that legitimate programs do not charge application fees, and read our guide on avoiding assistance scams.