How we make money

Last updated October 2026

Bill Help Now is free. We are not a government agency, a lender, or a law or credit counseling firm, and we can't approve you for any program.

Two ways we earn money

1. Partner links. Some links are marked "partner link." If you sign up through one, the company may pay us a fee. It costs you nothing extra.

2. Our planner. We sell a $7 Debt Freedom Planner spreadsheet. The Budget Starter is free.

Free government and nonprofit help always comes first.
Payment never changes what we recommend.
We never list payday lenders, car-title loans, credit repair companies or debt settlement companies.
Partner links are always labeled.