For low-income households looking to improve their heating, cooling, or electrical systems, the Weatherization Assistance Program  provides free weatherization services. You can learn more about the Department of Energy’s general eligibility guidelines and application procedures.

A variety of personal loans are available to help consumers finance large purchases. Generally with personal loans, a borrower pays back the money over an agreed-upon time period. Secured loans require property as collateral, similar to a home equity loan. Unsecured loans don’t require collateral, which makes them riskier for lenders, so they often charge a higher interest rate.

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