This is Philadelphia.
Home of the Brave and Land of the Free to work and make money to pay for your own roof.
However, You may be able to qualify for a low interest home renovation loan.
You should ask your local bank about their "PhilaLoan" programs.
You can also contact:
Housing Repairs Adaptive Modifications Program at 215-448-2160 .
Keystone Home Energy Loan Program at http://www.keystonehelp.com/
Good luck with your roof.
All the best,