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Military Personnel Assistance

Department of Labor

Federal Reserve System

  • Get Financially Fit
    • The Warm Up: Get Ready for the Financial Fitness Challenge! Volume 1 (67 KB PDF)
    • The Work Out: Take the Financial Fitness Challenge! Volume 2 (90 KB PDF)
    • The Big Weigh In: Take Financial Charge! Volume 3 (85 KB PDF)

Federal Trade Commission

Securities and Exchange Commission

Florida Home Insurance Help

FINRA Investor Education


Employment Resources

  • Florida Agency for Workforce Innovation (AWI) – Workforce ServicesAWI’s Office of Workforce Services is responsible for providing One‐Stop Program Support services (workforce program information, guidance and technical assistance) to the Regional Workforce Boards and their One-Stop Career Centers. For more information on AWI, visit http://www.floridajobs.org/index.html AWI also offers job bank resources on their site. To visit, http://www.floridajobs.org/workforce/os_job_banks.html.
  • Employ Florida MarketplaceEmploy Florida Marketplace is an online portal to job-matching services and many other workforce resources. Job seekers may create and post resumes, search openings in all counties and access other career development tools. For additional assistance, job seekers also may link to either of Florida’s state-level workforce partners, Workforce Florida and the Agency for Workforce Innovation, or its local-level partners, including 24 regional workforce boards and more than 80 One-Stop Centers. Visit https://www.employflorida.com/.

Florida Health Care Resources

Web Resource from the Blue Foundation for a Healthy Florida

If you need health care coverage or a supplement to current coverage, there is a web site resource for health care provided by BlueCross BlueShield of Florida and The Blue Foundation for a Healthy Florida. Search for free and low cost resources for preventative care, medications, prenatal care and immunizations, or other health services. You can find services based on where you live, your age, or the kind of help you need, or search for resources by a condition. On the web, go to http://www.forfloridashealth.com/home.do.

Florida KidCare

The State of Florida offers health insurance for children from birth through age 18, even if one or both parents are working Florida KidCare is for children, not adults. Information is available for grandparents who are raising grandchildren and for non-citizens at the website.

To qualify for premium assistance, a child must:

  • Be under age 19
  • Be uninsured
  • Meet income eligibility requirements
  • Be a U.S. citizen or qualified non-citizen
  • Not be eligible for Medicaid
  • Not be the dependent of a state employee eligible for health insurance
  • Not be in a public institution Families who are not eligible for premium assistance may buy Florida KidCare at the “full pay” premium rate.

On the web, go to http://www.floridakidcare.org/ or call 1-888-540-5437 for more information.

Cover Florida Health Care Program

Cover Florida Health Care is a comprehensive market-based plan to offer affordable health coverage to 3.8 million uninsured Floridians without using taxpayer dollars. With most plans under $150, Cover Florida benefit options include coverage for preventive services, screenings, and office visits, as well as office surgery, urgent care, prescription drugs, durable medical equipment, and diabetic supplies. To learn more about Cover Florida please visit:


Partnership for Prescription Assistance Program

The Partnership for Prescription Assistance brings together America’s pharmaceutical companies, doctors, other health care providers, patient advocacy organizations and community groups to help qualifying patients who lack prescription coverage get the medicines they need through a public or private program. Many will get them free or nearly free. To determine if you qualify for free, or nearly free, prescription medicines, call 1-888-4PPA-NOW (1-888-477-2669) or go to:


Florida Discount Drug Card Program

All Floridians can sign up for the Florida Discount Drug Card to save on their prescription medications. Enroll online at http://www.floridadiscountdrugcard.com/ by telephone: 1-866-341-8894 or TTY Users may call: 1-866-763-9630. The web site also features helpful web links, pharmacy information, Medicare information, and more.

Family Health Line

Administered by the Florida Department of Health, this program offers referral information for prenatal care, infant and toddler health care, Healthy Start, family planning, and for basic health questions. Toll-free number: 1-800-451-2229.

Medically Needy (Share of Cost) – Department of Children and Families

Individuals who are not eligible for full” Medicaid because their income or assets are over the Medicaid program limits may qualify for the Medically Needy program. Individuals enrolled in Medically Needy must have a certain amount of medical bills each month before Medicaid can be approved. This is referred to as a “share of cost” and varies depending on the household’s size and income. Information about this program can be found on the web:


Legal Resources

Florida Law Help

FloridaLawHelp.org is administered by Florida Legal Services, Inc. and is produced in cooperation with Pro Bono Net and the legal service organizations and government agencies throughout Florida and the United States. The web site is:


Utility Resources

Utility Company Assistance Program

Most utility companies around the state offer programs that provide assistance for paying utility bills. The programs provide emergency assistance to those who need the most help with paying energy bills, repairs to air-conditioning or heating equipment, and other energy-related needs. Contact your local utility company.

Weatherization Assistance Program

Community action agencies and local governments administer weatherization Assistance Programs locally. Its purpose is to help low-income households to lower energy costs by improving the energy efficiency of the home. In Florida, find the provider in your community at the web site of the Department of Community Affairs:


Low Income Home Energy Assistance Program

The Low-Income Home Energy Assistance Program provides federal money to non-profit agencies and local governments so they can assist low-income families with home heating and cooling costs. To see if you are eligible for this assistance and for local providers in your area, go to the Department of Community Affairs website:


Lifeline and Link Up Florida Telephone Programs

The Florida Public Service Commission provides Lifeline Assistance Programs designed to make telephone service affordable to low-income customers. The programs are designed to ensure that the basic telephone connection (hook-up) and service remain affordable to all residents of Florida. Link-Up Florida gives a 50% rebate in the telephone hook-up charge (up to $30.00). Lifeline Assistance gives $13.50 credit per month on local phone bills.

If you have questions, you may call the Florida Public Service Commission’s Division of Regulatory Compliance and Consumer Assistance at 1-800-342-3552, or contact the FPSC via the following E-mail address: contact@psc.state.fl.us. The web site is http://www.floridapsc.com.

SafeLink Wireless makes wireless telephone service and cell phones more affordable by offering Lifeline service for qualified households. Contact the website of Florida Office of Public Counsel for eligibility information: http://www.floridaopc.gov/ or call toll free at 1-800-540-7039.

Food and Nutrition Resources

Food Assistance Program

The Food Assistance Program helps low-income households purchase food. The program is administered in the state through the Florida Department of Children and Families. For more information and eligibility requirements, go the Access Florida website:


Women, Infants, and Children Nutrition Program (WIC)

WIC is a federally funded nutrition program that provides healthy foods, nutrition education and counseling, breastfeeding support, and referrals for health care. If a woman is eligible, these resources are provided at no cost. For information, go to the website:


Child Care Resources

Child Care Resource and Referral Network

The Child Care Resource and Referral Network provide information about state funded early learning programs, such as: the School Readiness, Voluntary Prekindergarten, Early Head Start, and Even Start programs. The local Child Care Resource and Referral office can also provide financial assistance options and community resources. Contact calling toll free at the State CCR&R Network Office at 1-866-357-3239.

Domestic Violence Resources

Florida Coalition Against Domestic Violence

Domestic Violence can occur in any household, regardless of the income level. To find the local certified domestic violence center nearest you, go to the website of the Florida Coalition against Domestic Violence at http://www.fcadv.org/ or call the toll-free statewide hotline 1-800-500-1119.

Educational Resources

TED-Ed’s commitment to creating lessons worth sharing is an extension of TED’s mission of spreading great ideas. Within TED-Ed’s growing library of lessons, you will find carefully curated educational videos, many of which represent collaborations between talented educators and animators nominated through the TED-Ed platform.

Academic Earth: is an organization founded with the goal of giving everyone on earth access to a world-class education. www.academicearth.org

YouTube: Founded in February 2005, YouTube allows billions of people to discover, watch and share originally-created videos. The academic collection features content from more than 300 colleges and universities from ten countries in seven languages and growing. www.youtube.com/education

Open Culture: a smart guide to free audiobooks, language lessons, academic podcasts, classes and intelligent video sites. www.openculture.com

Sallie Mae: Save, plan & pay for a college education. Private student loans, online banking, college loans, scholarships, undergraduate & graduate student loans. www.salliemae.com

U.S. Department of Education: site explains how to view Federal loan documents, entrance counseling and how to sign promissory notes. www.studentloans.gov

FAFSA: The Free Application for Federal Student Aid (FAFSA). All students interested in financial aid for college will need the FAFSA. www.fafsa.ed.gov

Student Loan and Education Resource List: Resources for students who need help financing their education and information on what you need to know before and after signing for a loan.

A Pell Grant: is a post-secondary educational Federal grant sponsored by the U.S. Department of Education. www2.ed.gov/programs/fpg/eligibility.html

The Khan Academy: is a not-for-profit 501(c)(3) with the mission of providing a world-class education to anyone, anywhere. Khan is complementing Salman’s ever-growing library with user-paced exercises–developed as an open source project–allowing the Khan Academy to become the free classroom for the World. www.khanacademy.org

Consolidating Private Student Loans Some Private Lenders will allow you to consolidate the private loans they service with other private loans you have borrowed. Check with your servicer to find out.

National Financial Capability Challange

The National Financial Capability Challenge is an awards program designed to increase the financial knowledge and capability of high school aged youth across the United States so they can take control over their financial futures. http://www.challenge.treas.gov/

SmartyPig makes it easier than ever to experience the personal satisfaction and financial rewards that come from systematically saving for specific purchases. SmartyPig even enhances your savings with cash back savings that make your money go further! Best of all: it’s completely FREE. No fees. No catches. No “buying clubs.” It’s an FDIC-insured savings account — and so much more. www.smartypig.com

Annuity.org is a premier informational resource on the internet about annuities and structured settlements. They have created one of the most comprehensive, easy-to-read guides covering setting a budget, how to use credit responsibly, planning for retirement and much more. You can check out their guide here: click to read guide

Located in Washington D.C. Rebuilding Together works with local affiliates to provide assistance with home repairs to low income families, seniors, or anyone with a handicap. 1-800-473-4229. www.rebuildingtogether.org

HelloWallet is an online financial planning tool that helps its members manage their finances, reduce debt and build savings to get ahead. With HelloWallet, you can help your clients stick to a budget, track their financial plan and find better bank products in their neighborhood. HelloWallet is 100% independent from banks, credit unions, 401(k) providers and any other financial institutions.

Student Loan settlement option is finally possible! Student Loan Escape helps Americans Settle Private Student Loans for 40-60% less. Student Loan Escape is a small team of experts, dedicated to providing superior service and step-by-step guidance to consumers who are seeking to escape from everlasting Student Loans and unsecured debt. At Student Loan Escape they offer professional advice, knowledge and expertise to help Americans get out of debt and bring back financial control over their lives.

Easy, Fun, and Free Financial Skills Courses for You and Your Family. Whether you’re a parent, a student, or a mature adult; a homeowner or a business owner; a first-time employee or a recent retiree; use the Hands on Banking program to find the knowledge and skills you need to manage money to your best advantage.


Portfolio of Credit Management, Personal Finance Education Programs, Fair Debt Collection

Click Here to access our Complimentary, Self-Study Consumer Finance Education Course offered to all consumers whether or not they join any of our programs. Please take the time to complete the evaluation at the end and return it to us. We use these evaluations to make improvements in the quality of the products we deliver. Thank you for choosing Debthelper.com as your financial education resource.

Debthelper.com believes a pro-active approach to counseling is the best approach. Personal finance education is often overlooked as a necessary curriculum in our educational system and therefore DebtHelper.com strives to provide personal finance education whenever possible to local high school and college classes. For community groups and businesses located in the South Florida area, Credit Card Management Services offers free, on-site personal finance and credit education seminars catered to your audience’s interests and needs. If you are interested in scheduling a personal finance and credit presentation for your group please e-mail click here or call (561) 472-8000.

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