If you’re living in the U.S. and trying to pay rent every month, you may feel that it’s almost impossible sometimes. The average cost of rent in the U.S. is $1702 after all. So, if you’re getting into the red with rent, it’s important that you know how to get help paying rent if you need it.

Keep reading for our tips on what to do if you need help paying rent.

Talk to Your Landlord and Negotiate

If you find yourself in need of help with rent, the best thing you can do is talk to your landlord and negotiate. Be honest with them and explain the situation. A good landlord will understand and be willing to work with you. You should also offer solutions that may help with your situation.

Ask about any programs they may have in place, or any extensions they can provide. Also consider offering to establish a payment plan that works for both of you. If your landlord is willing to work with you, you should always provide proof that you have the ability to pay them.

This could include a record of your income, a letter from your employer stating your position, or any documents that would show that you are capable of repaying the debt. With communication and reasonable negotiations, you can help make your situation more manageable.

Utilize Government and Nonprofit Programs

If you need help paying rent, utilizing government and non-profit programs could offer a helping hand. Check with your local Department of Social Services to see if you qualify for temporary rental assistance.

You can also use resources such as faith-based organizations, community action centers, and your local 211 hotline for additional assistance and referrals to other organizations providing help with rent.

Applying for a loan from the Department of Housing and Urban Development or requesting a housing subsidy from the Housing and Urban Development office can provide additional financial help.

Contacting Lawyers in your area who specialize in housing assistance can give you even more help. With the help of government and non-profit programs, you can get the assistance you need to pay your rent.

Turn to Your Friends and Family

If you are in need of help paying rent, turning to your friends and family can be an option. First, start by having an honest conversation with them about your financial situation and why you need assistance. Provide a budget outlining how much you need and how often to help you stay on track.

Be open to hearing their suggestions for change and be willing to accept any advice or guidance that may be offered. It’s also best to establish a timeline of when to expect the rent payment and who can be contacted for updates.

Also, make sure to express your appreciation for their support and, if possible, be ready to offer assistance in return. Friends and family can be a valuable resource as you move forward financially.

Sell Your Unused Items

If you are in need of help paying rent, then consider selling some of your unused or underused items. Selling things that you no longer need or want can help provide additional income. Start by making a list of valuable items in your home.

There may be furniture, electronics, artwork, collectibles, or other items that someone else can make use of. Once you have identified the items you can take pictures and post them online to sell.

You can also take your items to a consignment shop or a pawn shop to try to increase your earnings. This can be a great way to earn some extra money while also decluttering. Lastly, if your items are worth enough you could even organize a garage sale to make some extra cash. Selling items for extra money can help put money towards rent.

Use a Home Sharing Service

In pursuit of assistance when struggling to pay rent, a tenant can consider utilizing a Home Sharing Service. Through this service, a tenant can gain assistance by living with roommates or renting a room in their primary residency.

By having roommates, tenants can gain help by splitting the cost of rent and utilities. Roommates can also provide emotional support in times of hardship. Additionally, tenants can rent rooms to those in need of a place to stay and collect a portion of rent to cover the utilities. 

Apply for a Short-Term Loan

If you need help paying rent, applying for a short-term loan can be a good solution. The funds from the loan can be used to pay the rent and other essential bills. 

There are also payday loan options even for those with bad credit. Make sure you understand the terms of the loan, including the interest rate, fees, repayment period, and any penalties for late payments. Short-term loans typically have higher interest rates, so make sure you can afford the total cost of borrowing.

While it might be tempting to borrow more than you need, it’s advisable to only borrow the amount required to cover your rent. Borrowing more can lead to higher interest costs and repayment difficulties.

Now You Know What to Do If You Need Help Paying Rent

So, if you’re struggling to pay your rent on time, don’t panic. Try these simple methods if you need help paying rent, from government payments and financial assistance programs to an array of private charities. Don’t wait – get the help you need today. 

If you feel that taking out a short term loan is the best option, make sure you complete your application today to receive an online loan approval today.