Debt Relief

Chicago Utility Billing Relief (UBR) Program

Chicago's utility bill relief program lowers water and sewer charges for qualifying owner-occupants and can forgive past-due city utility debt after 12 months.

Type: Benefit Amount: 50% reduction on water, sewer, and water-sewer tax charges Deadline: No fixed deadline posted; apply any time if you meet the rules. Enrollment lasts 12 months. Location: Illinois and Chicago

SAVE Plan Income-Driven Repayment

Income-driven federal student loan repayment program details for federal Direct Loans, with current court-action status and practical application guidance.

Type: Benefit Amount: Historically based on income and family size Deadline: Ongoing Location: United States

Water | Portland.gov

A Portland Water Bureau assistance program for eligible single-family customers covering sewer, stormwater, and water bills, plus crisis and leak-help support.

Amount: Income-based bill discounts, crisis vouchers up to $500, and leak-related support options Deadline: No fixed annual deadline; apply anytime and reapply every two years Location: Oregon and Portland

We Care – Customer Assistance – Philadelphia Water Department

Income-based assistance for Philadelphia Water Department bills through TAP, special hardship pathways, and related application support.

Amount: Income-based bill reduction through the Tiered Assistance Program (TAP), plus potential debt … Deadline: No fixed annual deadline is listed; urgent shutoff-risk applications receive temporary protection while reviewed Location: Pennsylvania and Philadelphia