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Before applying for a loan, consider borrowing alternatives that may help free up cash or get you through a difficult time.

For help with necessities: Find assistance from a local nonprofit, charity or religious organization. They may help you get food, clothing and transportation for job interviews or medical appointments.

For help with rent, bills and utilities: Contact your landlord, utility company, credit card issuer or mortgage lender to request a payment deferral or set up a payment plan. This may require a phone call or online application. You can also reach out to a housing counselor for advice about defaults, forbearances, foreclosures and credit issues.