How to apply for help with utility bills after a disaster

Your local Low Income Home Energy Assistance Program (LIHEAP) may help pay your heating and cooling utility bills after a disaster. 

Each LIHEAP office sets its own criteria and process for getting help after a disaster. Contact the LIHEAP office that serves your state. Or contact the LIHEAP office in your tribal area.

Get help paying your credit card bills after a disaster

If you cannot pay your credit card bill after a disaster, your credit card company may be able to help. Get tips from the Consumer Financial Protection Bureau on: 

• Finding ways to limit your expenses 
• Explaining your situation to your credit card company 
• Choosing a credit counselor you can trust

How to make student loan payments or complete college after a disaster

If you were affected by a federally declared disaster, you may be eligible to get help if you cannot: 

• Pay your student loan 
• Complete your studies at the school where you are currently enrolled 

Learn from StudentAid.gov what to do if: 

• You need to transfer to a different school 
• You were not able to complete the school year 
• Your financial aid documentation has been lost or damaged 
• You are having difficulty making your student loan payments 
• Your student loan is in default

Get help making your auto loan payments

If a natural disaster has affected your ability to make car payments, contact your lender. Learn more about working out an agreement with your auto loan servicer.