 TITLE: Can You Get an Emergency Loan While on Unemployment? CONTENT: What Else Can You Do When Unemployment Ends?\n--------------------------------------------\nAs unemployment benefits shrink or end, there are many things you can do to continue covering your expenses. An emergency loan might be an option, but there are other measures you can take if borrowing money isn't a good idea or you can't get approved.\n*   **Contact creditors.** If you're worried about missing bill payments, contact your creditors and ask about your options as soon as possible. Even if they're not legally required to offer you hardship relief, creditors may work with you to make your payments more manageable.\n*   **Learn about government protections.** Local, state and federal laws may give you options and protections from creditors. For example, if you have government-backed student or home loans, you may be able to temporarily pause your payments.\n*   **Look for help with housing.** If you're worried about paying rent or your mortgage, research foreclosure, eviction or utility shutoff moratoriums that apply where you live. The National Low Income Housing Coalition has a database of payment assistance programs.\n*   **Research assistance programs.** In addition to housing assistance, you may be able to find help with food, utilities, medical bills and other necessities from local, state and national charities.\n*   **Ask for professional advice.** The nonprofit National Foundation for Credit Counseling can help connect you to free and low-cost advice from a certified credit counselor. Counselors may be able to assist with different types of financial problems, including housing, budgeting and managing credit card debt.\n*   **Find a new source of income.** Even if it's only part-time or gig work, having a little extra income can help cover essentials. It may also open up new options for emergency loans.\n*   **Know which payments you can miss.** While you want to pay every bill on time, sometimes you need to pick and choose. Prioritize the household's necessities—food, shelter, utilities, transportation and the like. Unsecured loan payments, such as credit cards or student loans, might go low on the list. But know that missing payments could hurt your credit and lead to collections later. END