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Consumer Links Mortgages: List of Association of Reverse Mortgage Lenders www.reversemortgage.org Mortgage Calculator's www.interest.com Bankrate: Provides financial calculators, rates etc. www.bankrate.com Insurance Guide: Home Insurance coverage www.insure.com Fannie Mae: Approved Lenders List, defaulted loans etc. www.fanniemae.com Freddie Mac: Information on how to get help for Federal Mortgage Loans www.freddiemac.com Home renting: Provides information and forms for how to rent a home or rent out a home. www.uslegalforms.com Housing and Urban Development (HUD) Information on HUD housing & Section 8 www.hud.gov Pennsylvania Housing Finance Agency (PFHA) Provides affordable housing for older adults, families of modest means, and persons with disabilities. www.phfa.org Utilities & Assistance Programs: NJ Natural Gas: HEAP (Home Energy Assistance Program) - Provides rebates on the purchase of Gas Heating Systems and or Gas Water Heaters. - Helps meet heating costs www.njliving.com LIHEAP:(Low Income Home Energy Assistance Program) www.acf.dhhs.gov/programs/liheap Food Stamps: http://www.fns.usda.gov/fsp/ For Consumers … Federal Trade Commission (FTC) Government agency to report the following Identity Theft - Fraud - Creditor Harassment etc. www.ftc.gov Bank Checking Account: Helps and Teaches how to maintain a checking account www.aboutchecking.com Bank Rates: Provides the following - Interest Rates - Financial Calculators www.bankrate.com Credit Reporting Agency Experian: www.experian.com Equifax: www.equifax.com TransUnion: www.transunion.com Do not call list: Prevents Telemarketers from calling you www.donotcall.gov Seniors: AARP: www.aarp.org Social Security www.ssa.gov Free Tax Site: To find a Free tax preparation site near you IRS - Certified volunteers will prepare and e-file your taxes. (Federal and state) www.phillyfreetaxes.org Score: Service Corps of Retired Executives Provides volunteers and education to help small businesses www.score.org Medicare: www.medicare.gov Eldercare Locator: Assists in finding state programs www.eldercarlink.com Medical Resources: American Diabetic Foundation Provides free medical supplies for teachers and social workers www.americandiabetes.com PHRMA (Pharmaceutical Research & Manufacturers of America) Provides free directory of drug assistance program. www.phrma.org Medicare www.medicare.gov National Institute for Mental Health www.nimh.nih.gov Needy Meds List of information about prescriptions programs Help to get free or discounted prescriptions www.needymeds.com Directory of Drug Assistance Programs Phamaceutical Research & Manufacturers of America www.phrma.org Needy Meds Source to help get free or discounted prescriptions. www.needymeds.com Student Loans: New Jersey: Higher Education Student Assistance Authority (HESAA) - Student Loan Repayment - Default Prevention www.hesaa.org Loan Locator: www.studentclearinghouse.org US Department of Education www.ed.gov Veterans Education Benefits www.gibill.va.gov New York New York Higher Education (HESC) Hesc Default Unit ww.hesc.com Pennsylvania Higher Education www.pheaa.org Sallie Mae Private Student Loans, Stafford & Plus Loans. - Check loan Status - Loans for Undergrads www.salliemae.com Help Lines: Debtors Anonymous: ww.debtoranonymous.org Gamblers Anonymous: www.gamblersanonymous.org Narcotics Anonymous: www.narcoticsanonymous.org Suicide Hotline: www.suicidehotlines.org Pal Source: Links to various local social services (Red Cross, United Way etc.) www.palsource.org Benefits: US Department of Labor Information regarding: - Unemployment Benefits - Insurance - Locating a Job, etc. www.doleta.gov/layoff

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