Hardship Recovery

That resource is no longer available, please see below for our most popular resource pages.

STOP!

Need financial assistance such as money to pay bills, a personal loan or debt relief? Here are some resources that are available to help you today.

Resources

Keep Your Lights On By Getting Financial Assistance With Your Electric Bill

You won’t have to live in fear of having your electricity shut off if you use one of these methods to get help with paying your energy bill.

How Much Do You Need?Financial Help Up To $35,000

Get financial help up to $35,000 as soon as the next business day. Fast, easy, and direct deposit available into your bank account.

Get Started Now

While getting evicted from your home is one of the worst things that can happen when money runs low, having your lights cut off isn’t much better. You could call your utility company to try to negotiate a smaller or postponed payment, but what if they refuse after too many requests? If this is the case, you’ll want to look elsewhere for help, and here are some of your options:

Call 211

Dialing this number on your phone can help when you require emergency assistance. For instance, if your electricity was or is about to be cut off, calling 211 can connect you with a local operator that knows of assistance programs in your area. It’s worth noting that 211 doesn’t just help with essential bills. Should you have problems in other areas, they can help with housing, food, healthcare, and more. Keep this in mind if and when you call. You can also visit 211’s website here to learn more about their services.

Contact a LIHEAP Office

The Low-Income Home Energy Assistance Program (LIHEAP) may not pay all of your electric bill, but it can help with a significant portion of it that’s related to heating and cooling. If you can’t keep up with surging electric bills in the summer and winter months, LIHEAP can step in to give you that financial aid you need. Qualifying for LIHEAP differs according to location, but if your household gross income does not exceed 150 percent of the federal poverty level, you should be good to go. You can also qualify if you receive some form of government benefits already, such as TANF, SNAP, or SSI.

STOP!

Do you need a financial reset? If you owe more than $10,000 here is a debt relief resource available to help you today.

LIHEAP may not give you monthly assistance, as it’s intended to act as occasional help with paying a portion of your energy bill. Still, it’s good to know that you have an option here that could give you a boost when you need it. Applying for LIHEAP occurs locally, although you may be able to fill out an application online. To find out how this program works in your area, go here to find your local office.

Find Other Forms of Utility Assistance Near You

This link from the U.S. Department of Health and Human Services is handy for finding low-income energy assistance. Find your state in the drop-down menu, and you’ll be taken to a page with all of the energy programs at your disposal. Some, like LIHEAP, will be federal. Others will come from the state, utility companies, or local charities.

Interested in Going Back To School?

You May Qualify for up to
$7,395* In Grant Funds

You May Qualify for up to
$7,395* In Grant Funds

Find your perfect school today and start gaining
in demand skills and knowledge that could help you work
towards achieving the job of your dreams.

Get Started Now
Hopefully, your state is loaded with low-income energy programs that can help you. If it’s anything like Florida, you should be good to go, as some programs offer free home improvements to improve energy efficiency, while others provide health with monthly bills. If you’ve noticed you’re having issues with paying your energy bill on time, start looking at your options now before it’s too late. Many of these programs have limited funds and tend to work on a first-come, first-served basis.