How to get help with your phone bill
If you're struggling to pay your phone or internet bill, there are real programs that can lower your costs or even cover them. Here's how to find help.
Key takeaways
- Lifeline offers up to $9.25/month off your phone or internet bill
- You may qualify through Medicaid, SNAP, SSI, or low income
- Many phone companies have their own hardship plans — just ask
- Call 211 or visit communityactionpartnership.com for local bill help
A phone is not a luxury anymore. You need it to find jobs, talk to doctors, reach family, and handle emergencies. But phone and internet bills can be hard to afford when money is tight.
The good news is that real help exists. You just need to know where to look.
The Lifeline Program
Lifeline is a federal program run by the FCC. It gives qualifying low-income households a discount on phone or internet service. The discount is usually around $9.25 per month. Tribal land residents may qualify for a larger discount.
You may qualify if you receive benefits like Medicaid, SNAP, SSI, or federal housing assistance. You can also qualify based on your income level.
To apply, visit lifelinesupport.org. You can apply online or ask your phone company if they participate.
The Affordable Connectivity Program
The Affordable Connectivity Program, or ACP, was a federal program that helped households pay for internet service. As of mid-2024, the program ran out of funding and is no longer accepting new enrollments. If you were enrolled before, check with your provider about your current status.
Even though ACP is paused, it is worth watching for updates. Congress may renew funding in the future.
Ask Your Phone Company Directly
Many phone and internet companies have their own low-income plans. These are separate from federal programs. Companies like Comcast, AT&T, T-Mobile, and others have offered discounted plans for qualifying customers.
Call your provider and ask: "Do you have a low-income or hardship plan?" You may be surprised by what is available.
Nonprofit and Community Help
Some local nonprofits, community action agencies, and churches help people pay utility and phone bills during a crisis. Search for a community action agency near you at communityactionpartnership.com. You can also call 211, a free helpline that connects you to local assistance programs.
A Few Practical Tips
First, gather documents that show your income or benefits before you apply. This speeds things up. Second, apply for Lifeline even if you are not sure you qualify. The worst they can say is no. Third, if you have a smartphone, consider switching to a prepaid plan with a lower monthly cost while you sort things out.
You do not have to go without a phone. Help is out there, and asking for it is a smart move.
Related FAQs
Common questions about this topic, answered simply.
How do I know if I qualify for the Lifeline program?
You may qualify if your household income is at or below 135% of the federal poverty guidelines, or if you already receive benefits like Medicaid, SNAP, SSI, or federal public housing assistance. Visit lifelinesupport.org to check your eligibility and apply. The process is free.
Can I get help with both my phone and internet bill?
Lifeline lets you apply the discount to either a phone plan or an internet plan, but generally not both at the same time for the same household. Some providers bundle phone and internet, so ask your carrier what options are available to you.
What if I don't have a smartphone or computer to apply online?
You can ask your phone or internet provider to help you apply in person or over the phone. You can also call 211 and ask a local agency to help you with the application process. You do not need to do it alone.
Is the Affordable Connectivity Program still available?
As of mid-2024, the ACP stopped accepting new enrollments because federal funding ran out. If you were already enrolled, contact your provider to understand your current service status. It is worth checking back periodically in case Congress restores the program's funding.
What documents do I need to apply for phone bill assistance?
Most programs ask for proof of income, like a pay stub or tax return, or proof that you receive a qualifying benefit, like a Medicaid card or SNAP approval letter. Having a government-issued ID and your current phone account number handy can also speed things up.
What if I do not qualify for any of these programs?
If you do not qualify, ask your current provider about their lowest-cost plan or a short-term hardship arrangement. Switching to a prepaid or no-contract plan can also reduce your monthly costs significantly. Call 211 to see if a local nonprofit can offer one-time emergency help with your bill.
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