There is short-term financial assistance available from federal programs, as well as private and government agencies. Some of the private organizations include

• churches,
  
• charitable foundations,
  
• disease or disability organizations, and
  
• civic and social welfare associations.
  

There are government programs available you don’t even need to be at the poverty level to qualify, like SSI (Supplemental Security Income) and Medicaid. You can also contact Consolidated Credit Counseling Service who help you look at your financial situation and overcome debt. They can negotiate creditors on your behalf and get you lower interests rates.