Disaster turned life upside down? We’re here to help

Financial assistance may be available through FEMA grants, SBA disaster loans, insurance payments, state and local programs, and nonprofit relief funds. Credit.org provides free financial and housing counseling to help you identify resources and understand your next steps, but we do not issue benefits, grants, loans, or insurance payments or determine eligibility for third-party programs.

As soon as you are safe and able. Early financial counseling helps you prioritize expenses, avoid costly mistakes, and maximize your recovery resources before deadlines pass.

Credit.org does not file or manage insurance claims. However, our counselors can provide education, helpful resources, and guidance on the next steps you may need to take when working with your insurance company.

Yes. Credit.org is a nonprofit organization and our disaster recovery counseling is provided at no cost to help those affected by natural disasters.

Requirements vary by program. You may be asked for identification, proof that the damaged home was your primary residence, insurance information, documentation of damage or loss, income information, and current housing or mortgage documents. Always follow the instructions provided by the specific program.

Yes. Many disaster survivors face mortgage payment challenges. Your counselor can help with foreclosure prevention, mortgage forbearance, and communicating with your lender about disaster-related hardships.