Apply for the Housing Opportunities and Prevention of Evictions (HOPE) Program (North Carolina only): The HOPE Program is a new statewide initiative that may provide rent and utility assistance to eligible low- and moderate-income renters experiencing financial hardship due to the economic effects of COVID-19. Learn more and apply here. Contact your lenders, utility service providers or landlord: Many creditors are offering relief options for loan payments, utility payments or rent. Contact yours to see how they might be able to help you. If you have loans with Self-Help, you can contact us about loan relief options. Use 211: Many localities have a "211" number available for residents to get reliable, up-to-date and local information on resources related to COVID-19. Find your local number here. Apply for unemployment benefits: You can find links to your state's unemployment and workforce resources here. Apply for federal Pandemic Unemployment Assistance: North Carolina independent contractors and self-employed workers out of work because of COVID-19 can apply for federal Pandemic Unemployment Assistance beginning Friday, April 24th. Pandemic Unemployment Assistance is a federal program for people who are unable to work as a result of COVID-19 and not eligible for regular state unemployment benefits, such as self-employed workers and independent contractors (1099 employees). More information to include how to apply can be found here. To apply, please go here. Learn about student loan forbearance options: The U.S. Department of Education has forbearance information for students, borrowers and parents. Avoid payday lenders: These lenders can be a trap for consumers. If you don't already have an account with a financial institution that has your best interests at heart, open one. Consider becoming a member with us, or finding another local credit union you might be eligible to join. Make sure you can receive IRS Economic Impact payments: The FDIC offers information for consumers on receiving payments. Get help from a financial or housing counselor: Contact the National Foundation for Credit Counseling (NFCC) here or at 833-746-7577. NFCC is a network of nonprofit credit counseling agencies. Take advantage of financial wellness resources: Check out Self-Help partner GreenPath. GreenPath is a nonprofit organization that offers many free resources around debt management, money management, financial counseling and more.