Window Replacement
Old single-pane windows are one of the largest sources of wasted heating and cooling in an American home.
Fully covered if you income-qualify
View program details
Nationwide program directory
Find the assistance programs your household qualifies for
SubsidyPrograms.org organizes the federal, state, and utility programs that help American households with home repairs, health coverage, insurance, and debt — in plain language, with a link to the official agency for every single one.
Check My Eligibility →Free to useAll 50 statesNo obligation
$0to browse programs or check what you qualify for
Free to applyevery government program here is free at its own agency
Fully coveredsome programs pay 100% for households that qualify
Program categories
What we cover
Eight guides across four categories. Each one names the real programs, who runs them, who qualifies, and exactly what it costs you.
Category 01
All Home Improvement →
Home Improvement
Energy-efficiency credits, weatherization help, and repair programs for homeowners.
Roof Replacement
A failing roof is the repair most likely to make a home unsafe, and the one most households cannot pay for out of pocket.
Grants up to $10,000
View program details
Bathroom Remodeling
Most funded bathroom work in the United States is not cosmetic — it is accessibility.
Fully covered by Medicaid waivers
View program details
Category 02
All Health Coverage →
Health Coverage
Medicare assistance programs and Marketplace premium tax credits.
Medicare
Millions of people on Medicare qualify for programs that pay their Part B premium or cut their prescription costs and never claim them, usually because nobody told them the programs exist.
Part B premium fully paid
View program details
ACA Marketplace
The Affordable Care Act’s premium tax credit is the largest health-coverage subsidy most working-age households will ever be offered — and the one most often left unclaimed because people assume they earn too much to qualify..
$0-premium plans for many
View program details
Category 03
All Insurance →
Insurance
State programs, mandated discounts, and mitigation credits that lower premiums.
Home Insurance
Homeowners insurance is not subsidized, but it is heavily regulated — and that regulation creates discounts, state-backed options, and mitigation credits that many households are entitled to and never claim..
Free recurring premium credits
View program details
Auto Insurance
A handful of states run genuine low-cost auto insurance programs for income-qualified drivers, and every state mandates certain discounts.
State-set low-cost rates
View program details
Category 04
Debt Relief Guide →
Debt Relief
Counseling, repayment plans, settlement, and the government forgiveness that genuinely exists — including the one that does not.
Nonprofit Credit Counseling
A certified counselor at a nonprofit agency reviews your full budget at no charge and may set up a debt management plan, negotiating lower interest with your creditors and consolidating payments.
Counseling is $0
See how it works
Federal Student Loan Programs
Income-driven repayment ties the payment to what you earn and can forgive a remaining balance after a term of qualifying payments.
Free to apply
See how it works
IRS Payment Plans & Offer in Compromise
The IRS will set up an installment agreement for most taxpayers, and will settle for less than the full amount through an Offer in Compromise when you genuinely cannot pay.
Free to apply
See how it works
How it works
Three steps, no cost
1
Tell us where you live
Program availability is set by state, county, and utility. Your ZIP code determines which programs are open to you and which providers are licensed to serve you.
2
Review what applies
We show the government programs you may qualify for, with a direct link to the agency that runs each one, alongside licensed private providers who work in that category.
3
Choose your next move
Apply to a government program yourself for free, speak with a licensed provider, or do neither. Nothing on this site obligates you to anything.
Straight answers
We tell you when a program does not exist
Assistance advertising is full of programs that were never real: the free government roof, the free walk-in tub for seniors, the new federal plan that erases credit card debt. None of those exist.
Every guide on this site names the myth in its category, explains what is genuinely available instead, and links to the agency that runs it. That is a less exciting pitch than the ads you have seen. It is also the only version worth reading.
What we are, plainly
A government agencyNo
An insurer, lender, or contractorNo
Able to approve a benefitNo
Free for consumers to useYes
Paid by the providers we refer toYes
Linking every program to its agencyYes
Questions
Frequently asked questions
Is SubsidyPrograms.org a government website?
No. We are a privately owned advertising and information service operated by GT Group LLC. We are not affiliated with, endorsed by, or operated by any federal, state, or local government agency, and we do not administer, approve, or award any government program. Official government sites end in .gov.
Does it cost anything to use this site?
No. Browsing program information and using the eligibility check are free. We are paid by the licensed companies we connect consumers with, which is how the site is funded. You are never charged, and you are never obligated to move forward.
Can I apply for these programs myself?
Yes, always, and for free. Every government program described on this site can be applied for directly with the agency that runs it, at no cost. We link to the official source on every program page precisely so you can do that.
What happens after I submit an eligibility check?
Your information is used to match you with licensed providers and program specialists who serve your area for the topic you selected. Depending on the consent you give, one or more of them may contact you. You are under no obligation, and you can ask to be removed at any time.
Why does this site look official?
The red, white, and blue civic design reflects the subject matter — most of the programs covered here are run by government agencies. To avoid any confusion about who we are, every page on this site carries a notice at the top and in the footer stating plainly that this is not a government website.
How do you handle my information?
We describe exactly what we collect, who we share it with, and how to opt out in our Privacy Policy, and residents of states with privacy laws can exercise their rights through our Do Not Sell or Share page. We do not sell information to anyone outside the program categories you asked about.
See which programs are available where you live
It takes about a minute, it is free, and you are never obligated to move forward with anything.
Check My Eligibility → Free to use · No obligation · You choose whether to move forward