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By Eric Olsen, Executive Director HELPS Nonprofit Law Firm

Affordable transportation is often a concern for senior citizens. Some seniors go without basics to make car payments they can’t afford for a car with little or no equity. Others need affordable replacement transportation but don’t have the income to finance a car. What are some options for these seniors?

I am the Executive Director of HELPS, a national charitable nonprofit law firm that educates lower-income seniors on how to maintain their financial independence. We regularly speak with seniors searching for answers to transportation problems. First let’s discuss options for buying a car, then what to do if you have an existing car payment you can’t afford.

Financing a car from a dealer might not be the best option or even possible for a senior with lower income. Dealers generally sell used cars “as …

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