Financial Hardship Resources

Here’s some information that may help alleviate your financial hardships, including companies you can contact to ask for deferred payment (on utilities, insurance, credit cards, etc.) and local food distribution sites.


Call Mortgage holder/landlord for possible options to delay or defer payments.

In Lincoln, Federal financial assistance is available for housing and Utilities. Apply by contacting one of these local organizations who are assisting the City in processing applications: 

  • Family Service: 402-441-7949
  • Matt Talbot Kitchen & Outreach: 402-875-5782
  • CenterPointe: 402-475-5161
  • People’s City Mission: 402-475-1303  
  • PCM Help Center: 402-475-6888
  • Community Action Partnership: 402-471-4515 ext. 1831
  • [Applicant’s age 24 and under]:
    • Cedars Youth Services: 402-437-8850
    • The HUB: 402-471-8526


Call your energy provider to see what options are available

  • MUD – 402-554-6666
  • OPPD – 402-536-4131
  • Mid-American Energy – 1-888-427-5632
  • Black Hills Energy – 1-888-890-5554
  • Lincoln Water & Water Waste Systems – 402-441-7551
  • LES (Lincoln Electric Systems) – 402-475-4211



Call your providers to ask about payment deferral or other options.


Auto Insurance

Call your insurance providers to ask about delayed payments.


Credit Cards/Other creditors not being refinanced

If your credit union cannot refinance or loan enough money to make payments, call your creditors to see if they will defer payments, and ask what options they have available (waiver of late fees, lowering interest, etc.)


Student Loans

Private student loans – Call lender to see if you are eligible for deferred payments and/or no interest options. 

Federal student loans –


Help with utilities, food or other essentials

Contact the Salvation Army:

  • Omaha – Call 402-898-6090
  • Lincoln – Call 402-474-6263


Food – Local Food Banks and/or School distributions


General Assistance

Your Credit Report

As a result of a 2019 settlement, all U.S. consumers may request up to 6 free copies of their Equifax credit report during any 12-month period through Dec. 31, 2026. These free copies will be provided to you in addition to any free reports to which you are entitled under federal law.