Financial Assistance + Other Resources

Press here to read this information in SpanishThe uncertainty around the COVID-19 pandemic has created financial instability for many. Here are some financial assistance programs and other helpful resources in the community for those seeking to manage payments and provide for themselves and their families during this uncertain time. The City of Elgin will continue working with its community partners to keep this list up to date.

Last updated May 19, 2021

Water Bill Assistance 

City of Elgin Temporary Water Bill Assistance Program

Application Period Now Open

The City of Elgin, in partnership with the Salvation Army of Elgin, is offering water bill assistance for residential water customers financially affected by the COVID-19 pandemic. Residential customers that meet established eligibility criteria are eligible to receive a one-time grant of up to $400. Eligible residents will be able to use this money to pay any previous or current City bill for refuse, sewer and water. Applications will be reviewed on a first-come first-served basis. The eligibility details and application process are described below.


  • City of Elgin resident with an active water account.
  • Water shut-off notice from the City of Elgin.
  • Photo ID of the person whose name is on the bill. 
  • Demonstrate a need for financial assistance. Proof of financial need, such as loss or reduction in income (pay stubs, letter of termination/furlough, unemployment benefits, etc.).

Application Process

  • Applications will be accepted directly by Salvation Army of Elgin through their City of Elgin Temporary Water Bill Assistance Program. The City of Elgin will not accept applications.
  • If you believe you meet the requirements, complete this application and gather the mandatory documents (ID, water shut off notice, and proof of financial need, such as loss or reduction in income (pay stubs, letter of termination/furlough, unemployment benefits, etc.).
  • To apply for assistance, submit your application along with copies of the required documents to Include "Elgin Water Bill Assistance" in the subject line. You will be contacted to schedule a virtual appointment. An appointment is made to review all required eligibility documents.
  • Due to Covid-19, virtual appointments are preferred. However, if you can't do a virtual appointment, you can call the Salvation Army of Elgin at 847-741-2304 extension 301 and leave a message to schedule an in person appointment. Please bring your completed application and required documents to the appointment.
  • On average, clients go through the utility assistance process within 7-10 days. 
  • Any assistance approved by the Salvation Army of Elgin will be applied directly to the resident's current or past-due water bill. Assistance will not be offered for future account balances.
  • Any outstanding account balance that exists after funds are granted must be paid in full or the resident must request a payment plan through the City (more information on payment plans can be found below).
  • Bilingual (Spanish) assistance is available on site and over the phone.

To download the fillable PDF application, click here

Water Bill Payment Plans

Payment plans are available for residents with delinquent water bills. Payments can be made over a period of up to 12 months. To remain on the payment plan, you must remain current with installment payments and current charges on all future water bills. Failure to make payments on time will result in a default of the payment agreement and the account will be subject to immediate disconnection. To set up a payment plan, dial 311 or if located outside of Elgin call 847-931-6001.

Other Financial Assistance Programs

Emergency Rental Assistance

The Illinois Rental Payment Program (ILRPP) is an emergency rental assistance program designed to support households unable to pay rent due to the pandemic. The Illinois Housing and Development Authority (IHDA) will begin accepting applications on May 17. Click here to find details on the IHDA website.IRPP Flyer

Applicants are eligible for up to 15 months of assistance. The grant can cover the past due rent from the previous 12 months and future rental assistance for the next three months, if deemed necessary. The maximum grant amount is $25,000. The emergency rental assistance is provided by the Federal government and is free to tenant and housing provider. If approved, the grant will be paid to the housing provider in the form of a check.

Help for Illinois Families: Relief for Households Across the State

This initiative remains available for all qualifying households with low income, regardless of how they may be affected COVID-19. Eligible families may qualify for hundreds of dollars of support; all applications will be reviewed on a first come, first served basis and subject to funding availability. 

In addition to utility billing relief, the Help for Illinois Families Initiative includes emergency assistance for rent, temporary shelter and other necessities. To make applying for these funds easy and accessible remotely, DCEO has taken steps to streamline the process, launching a new remote application, streamlined website, and expanded technical assistance available now in over 30 languages through the hotline 1-833-711-0374.

With more than $100 million in funding still available through this program, the state of Illinois and consumer advocates are urging residents eligible for the program to take advantage and apply for Help for Illinois Families assistance today. For more information on how to apply and to find out about relief programs available near you, visit

You may be eligible to receive financial assistance for the following services:

Water Service Payment
Water Service Payment
Water Service Payment
Water Service Payment
Rental Assistance
Temporary Shelter
Employment Training Placement


Township General and Emergency Assistance Programs 

Contact your corresponding township for more information on their general and emergency assistance programs. These programs are designed to provide financial assistance for basic needs like rent/mortgage, utilities, and food. 

Elgin Township

  • Address: 729 S. McLean Blvd Suite 200 Elgin, IL 60123
  • Phone Number: 847-741-2045

Hanover Township (for Elgin residents in Cook county)

  • Address: 7431 Astor Ave, Hanover Park, IL 60133                      
  • Phone Number: 630-540-9085

Dundee Township

  • Address: 611 E. Main Street, East Dundee, Illinois 60118         
  • Phone Number: 847-428-8092

Ecker Center for Behavioral Health

Applications continue to be open for Emergency Rental Assistance through the Ecker Center for Behavioral Health.  Funds are available through June 30, 2021 for rental (not mortgage) and utilities assistance.  

Eligible applicants must have documentation demonstrating the following:  

  • household is experiencing a COVID-19 related hardship
  • household income is less than 80% area median income
  • household is at risk of homelessness or housing instability

Applications are available for pick-up Monday-Friday 9am-5pm at 1845 Grandstand Place, Elgin. Funds will be distributed on a first come first serve basis until depleted. Recipients must participate in case management services around the use of the funds.

Additional Financial Assistance Programs in the Community

Agency: St. Vincent de Paul (on East and West sides of Elgin)

  • Type of Assistance: Financial assistance for rent, utilities, and pretty much anything else that is a necessity.
  • How to apply: Call, leave a name, phone number, address, and what the need is. A volunteer will contact them within 24 hours. People on the east side of the Fox River should call 847-289-2222. People on the west side of the river should call 847-628-5170. 

Agency: Young Women Christian Association of Elgin (YWCA)

  • Type of Assistance: Direct Cash Assistance
  • How to apply: Application process with intake staff. Call 847-742-7930 for more information.

Agency: Salvation Army

  • Type of Assistance: Emergency Financial Assistance Program. Help with rent and utility bills. 
  • How to apply: Calling the office at 847-741-2304 ext. 302 and making an appointment. Some documentation is required, including photo ID, proof of income, proof of emergency, and either a utility bill or two forms that the landlord must fill out. 

Agency: Centro de Informacion 

  • Type of Assistance: Rental, Utility, etc.
  • How to apply: call 847-695-9050 to make an appointment and apply.

Agency: Community Crisis Center, Inc. (CCC)

  • Type of Assistance: Shelter and rent
  • How to apply: Contact CCC by calling the hotline at 847-697-2380 to see if you can be placed on a waiting list

ComEd Assistance

Staying Safe and Keeping the Lights On

As the economy reopens, ComEd understands some of you may continue to experience financial hardship. ComEd can help find a financial assistance solution that’s right for you. Find details on the programs below at or by calling 1-800-EDISON1 (1-800-334-7661).  

  • ComEd CARE Customer Hardship Grants: Residential customers facing financial hardship may be eligible to receive one-time CARE grants from ComEd to help them get back on their feet. 
  • ComEd Bill Payment Assistance Program: A one-time bill assistance credit of up to $500 is available this year for income-eligible households with a past-due balance. Learn more about eligibility requirements and how to apply at
  • Flexible, Extended Payment Arrangements: For a limited time, residential customers may be eligible for a flexible payment arrangement with a down payment on the past-due amount and the accumulated balance spread over up to 18 months. Those facing financial hardship and income-eligible households may be eligible for a flexible payment arrangement that spreads past-due balances over a period of up to 24 months with no down payment.

Nicor Gas Assistance

As the impacts of the coronavirus (COVID-19) continue to unfold, Nicor Gas is assessing the needs of its customers and communities to make sure they are providing all the support possible. If you are facing financial hardship due to COVID-19, Nicor Gas can help by connecting you to energy assistance, offering extended payment options, and providing energy-saving measures.

Click here to find details on the programs listed below.

  • LIHEAP Energy Assistance Funding (CARES Act)
  • Extended Payment Arrangements
  • Energy Aide Programs
  • Energy Assistance Resources
  • Free Weatherization

Kane County 211 Logo

Kane County 2-1-1

Kane County residents can dial 2-1-1 and get connected with a live specialist who will assist them with finding a utility assistance program. 2-1-1 is an anonymous place to start with a specialist on hand to help sort out the options. Support is available 24/7 and no computer or Internet is required. Translation is available in more than 150 languages and callers of all ages can use the service as often as needed.