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• Call 211 FirstBefore you borrow, one phone call can connect you to rent, utility, food and medical assistance in your area.
• Credit Union PAL LoansPayday Alternative Loans from federal credit unions are capped at 28% APR. Here's how to get one, even if you're not a member yet.
• Help Paying Rent and UtilitiesLIHEAP, utility hardship plans, emergency rental assistance and how to negotiate more time.
• How to Get Out of Payday LoansExtended payment plans, state rules, credit-union consolidation and what happens if you stop paying.
• Non-Profit Credit CounselingHow NFCC-member agencies work, what a debt management plan costs, and how to spot a fake.