Hands reviewing paperwork beside a laptop
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Just this once

This guide is free. If it helped, you can chip in any amount (suggested $5) through Stripe.

Step-by-step: if you cannot pay

  1. Call before the due date

    Explain your situation.

  2. Ask for a payment arrangement

    Ask for affordable monthly amounts.

  3. Apply for assistance

    Apply for LIHEAP and utility programs.

  4. Ask about medical protections

    If needed, ask about medical certificates.

  5. Keep records

    Save all agreements.