Low Income Assistance – Financial Help Available
Utility assistance program.
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</style></head><body style="background-color:rgb(255,255,255);margin:0"><!--$--><!--html--><div style="display:none;overflow:hidden;line-height:1px;opacity:0;max-height:0;max-width:0" data-skip-in-text="true">You may qualify for bill reduction and financial assistance — apply online today and take the first step toward relief.<div> </div></div><!--head--><!--body--><table border="0" width="100%" cellPadding="0" cellSpacing="0" role="presentation" align="center"><tbody><tr><td style="background-color:rgb(255,255,255);margin:0rem;padding:0rem;font-family:ui-sans-serif,system-ui,sans-serif,"Apple Color Emoji","Segoe UI Emoji","Segoe UI Symbol","Noto Color Emoji""><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(193,0,7);padding-right:0rem;padding-left:0rem;padding-bottom:0rem;padding-top:0rem"><tbody><tr><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="max-width:600px;margin-right:auto;margin-left:auto;padding-right:1rem;padding-left:1rem;padding-bottom:0.5rem;padding-top:0.5rem"><tbody><tr style="width:100%"><td><p style="font-size:0.75rem;line-height:1.3333333333333333;color:rgb(255,255,255);text-align:center;margin:0rem;letter-spacing:0.025em;text-transform:uppercase;font-weight:600;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Limited-Time Assistance Programs — Applications Now Open for 2026</p></td></tr></tbody></table></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(255,255,255);border-bottom-style:solid;border-bottom-width:1px;border-color:rgb(243,244,246);padding-right:0rem;padding-left:0rem;padding-bottom:0rem;padding-top:0rem"><tbody><tr><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="max-width:600px;margin-right:auto;margin-left:auto;padding-right:1.5rem;padding-left:1.5rem;padding-bottom:1.25rem;padding-top:1.25rem"><tbody><tr style="width:100%"><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column"><img alt="ClearPath Financial Services logo" height="40" src="/static/company-logo.png" style="display:block;outline:none;border:none;text-decoration:none" width="160"/></td><td data-id="__react-email-column" style="text-align:right"><p style="font-size:0.75rem;line-height:1.3333333333333333;color:rgb(106,114,130);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Customer Support: 1-800-555-0192</p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(193,0,7);padding-right:0rem;padding-left:0rem;padding-bottom:0rem;padding-top:0rem"><tbody><tr><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="max-width:600px;margin-right:auto;margin-left:auto;padding-right:0rem;padding-left:0rem"><tbody><tr style="width:100%"><td><img alt="Financial planner reviewing assistance options and charts at a professional desk" height="320" src="/static/images/library/finance-planning-desk.png" style="display:block;outline:none;border:none;text-decoration:none;width:100%;object-fit:cover" width="600"/><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="padding-right:2rem;padding-left:2rem;padding-bottom:2.5rem;padding-top:2.5rem"><tbody><tr><td><h1 style="color:rgb(255,255,255);font-size:2.25rem;line-height:1.25;font-weight:700;margin:0rem;margin-bottom:0.75rem">Real Financial Relief Is Within Your Reach</h1><p style="font-size:1.125rem;line-height:1.625;color:rgb(255,226,226);margin:0rem;margin-bottom:1.5rem;margin-top:0rem;margin-left:0rem;margin-right:0rem">Thousands of households just like yours have already discovered the life-changing assistance programs available right now. If you are facing financial hardship, this is your moment — and we are here to help you every step of the way.</p><a href="https://example.com/apply" style="line-height:1.5;text-decoration:none;display:inline-block;max-width:100%;mso-padding-alt:0px;background-color:rgb(255,255,255);color:rgb(193,0,7);font-weight:700;font-size:1rem;padding-right:32px;padding-left:32px;padding-bottom:16px;padding-top:16px;border-radius:0.5rem;text-decoration-line:none" target="_blank"><span><!--[if mso]><i style="mso-font-width:400%;mso-text-raise:24" hidden>    </i><![endif]--></span><span style="max-width:100%;display:inline-block;line-height:120%;mso-padding-alt:0px;mso-text-raise:12px">Apply for Assistance</span><span><!--[if mso]><i style="mso-font-width:400%" hidden>    ​</i><![endif]--></span></a></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(255,255,255);padding-right:0rem;padding-left:0rem;padding-bottom:0rem;padding-top:0rem"><tbody><tr><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="max-width:600px;margin-right:auto;margin-left:auto;padding-right:2rem;padding-left:2rem;padding-bottom:2.5rem;padding-top:2.5rem"><tbody><tr style="width:100%"><td><h2 style="color:rgb(193,0,7);font-size:1.5rem;line-height:1.375;font-weight:700;margin:0rem;margin-bottom:1rem">Welcome to ClearPath — Your Gateway to Financial Freedom</h2><p style="font-size:1rem;line-height:1.625;color:rgb(54,65,83);margin:0rem;margin-bottom:1rem;margin-top:0rem;margin-left:0rem;margin-right:0rem">We are so excited you are here. At ClearPath Financial Services, our entire mission is built around one powerful idea: no one should have to face financial hardship alone. That is why we have built an extensive network of assistance programs specifically designed to help individuals and families reduce their bills, manage outstanding balances, and find a clear path forward — no matter how difficult things may feel right now.</p><p style="font-size:1rem;line-height:1.625;color:rgb(54,65,83);margin:0rem;margin-bottom:1rem;margin-top:0rem;margin-left:0rem;margin-right:0rem">Whether you are struggling with utility bills, medical expenses, housing costs, or general financial pressure, our programs are structured to meet you exactly where you are. The application process is straightforward, completely online, and takes less than ten minutes to complete. Thousands of people have already applied and are experiencing real, meaningful relief — and you could be next.</p><p style="font-size:1rem;line-height:1.625;color:rgb(54,65,83);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">This onboarding guide will walk you through everything you need to know: what programs are available, who qualifies, what documents you may need, and exactly how to get started. Let us dive in — because your fresh financial start begins right now.</p></td></tr></tbody></table></td></tr></tbody></table><hr style="width:100%;border:none;border-top:1px solid #eaeaea;border-color:rgb(243,244,246);margin:0rem"/><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(254,242,242);padding-right:0rem;padding-left:0rem;padding-bottom:0rem;padding-top:0rem"><tbody><tr><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="max-width:600px;margin-right:auto;margin-left:auto;padding-right:2rem;padding-left:2rem;padding-bottom:2.5rem;padding-top:2.5rem"><tbody><tr style="width:100%"><td><h2 style="color:rgb(193,0,7);font-size:1.5rem;line-height:1.375;font-weight:700;margin:0rem;margin-bottom:0.5rem">What You Could Qualify For Right Now</h2><p style="font-size:0.875rem;line-height:1.4285714285714286;color:rgb(74,85,101);margin:0rem;margin-bottom:1.5rem;text-transform:uppercase;letter-spacing:0.025em;font-weight:600;margin-top:0rem;margin-left:0rem;margin-right:0rem">Programs currently accepting applications</p><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(255,255,255);border-left-style:solid;border-left-width:4px;border-color:rgb(231,0,11);border-radius:0.5rem;padding-right:1.5rem;padding-left:1.5rem;padding-bottom:1.25rem;padding-top:1.25rem;margin-bottom:1rem"><tbody><tr><td><h3 style="color:rgb(16,24,40);font-size:1.125rem;line-height:1.5555555555555556;font-weight:700;margin:0rem;margin-bottom:0.5rem">Bill Reduction Program</h3><p style="font-size:0.875rem;line-height:1.625;color:rgb(54,65,83);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Qualified applicants may receive a direct reduction on outstanding utility, medical, or service bills — in some cases up to 40% off the total balance. This program is funded through state and federal relief initiatives and is available to households meeting income eligibility thresholds. No credit check required.</p></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(255,255,255);border-left-style:solid;border-left-width:4px;border-color:rgb(231,0,11);border-radius:0.5rem;padding-right:1.5rem;padding-left:1.5rem;padding-bottom:1.25rem;padding-top:1.25rem;margin-bottom:1rem"><tbody><tr><td><h3 style="color:rgb(16,24,40);font-size:1.125rem;line-height:1.5555555555555556;font-weight:700;margin:0rem;margin-bottom:0.5rem">Flexible Payment Assistance</h3><p style="font-size:0.875rem;line-height:1.625;color:rgb(54,65,83);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Struggling to keep up with monthly payments? Our payment assistance program restructures your obligations into manageable, interest-free installments. Approved applicants gain immediate access to extended payment timelines, giving you the breathing room you need to stabilize your finances without penalty or added fees.</p></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(255,255,255);border-left-style:solid;border-left-width:4px;border-color:rgb(231,0,11);border-radius:0.5rem;padding-right:1.5rem;padding-left:1.5rem;padding-bottom:1.25rem;padding-top:1.25rem;margin-bottom:1rem"><tbody><tr><td><h3 style="color:rgb(16,24,40);font-size:1.125rem;line-height:1.5555555555555556;font-weight:700;margin:0rem;margin-bottom:0.5rem">Emergency Hardship Relief Fund</h3><p style="font-size:0.875rem;line-height:1.625;color:rgb(54,65,83);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">For those experiencing acute financial crises — job loss, medical emergencies, or sudden income disruption — our Emergency Hardship Relief Fund provides fast-tracked assistance decisions within 48 hours of application. This fund is specifically allocated for urgent situations and is processed with the highest priority by our dedicated case managers.</p></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(255,255,255);border-left-style:solid;border-left-width:4px;border-color:rgb(231,0,11);border-radius:0.5rem;padding-right:1.5rem;padding-left:1.5rem;padding-bottom:1.25rem;padding-top:1.25rem"><tbody><tr><td><h3 style="color:rgb(16,24,40);font-size:1.125rem;line-height:1.5555555555555556;font-weight:700;margin:0rem;margin-bottom:0.5rem">Housing Cost Support Initiative</h3><p style="font-size:0.875rem;line-height:1.625;color:rgb(54,65,83);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Rent and mortgage burdens are among the top stressors for families nationwide. Our Housing Cost Support Initiative connects eligible applicants with direct subsidies, landlord negotiation support, and housing counseling services — all completely free of charge. Keeping a roof over your family is our top priority.</p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(193,0,7);padding-right:0rem;padding-left:0rem;padding-bottom:0rem;padding-top:0rem"><tbody><tr><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="max-width:600px;margin-right:auto;margin-left:auto;padding-right:2rem;padding-left:2rem;padding-bottom:2rem;padding-top:2rem;text-align:center"><tbody><tr style="width:100%"><td><h2 style="color:rgb(255,255,255);font-size:1.5rem;line-height:1.3333333333333333;font-weight:700;margin:0rem;margin-bottom:0.75rem">Do Not Wait — Programs Fill Up Fast</h2><p style="font-size:1rem;line-height:1.625;color:rgb(255,226,226);margin:0rem;margin-bottom:1.5rem;margin-top:0rem;margin-left:0rem;margin-right:0rem">Assistance program funds are allocated on a first-come, first-served basis. Every day you wait is a day someone else claims the support that could be yours. Apply online in under ten minutes and secure your spot today.</p><a href="https://example.com/apply" style="line-height:1.5;text-decoration:none;display:inline-block;max-width:100%;mso-padding-alt:0px;background-color:rgb(255,255,255);color:rgb(193,0,7);font-weight:700;font-size:1rem;padding-right:40px;padding-left:40px;padding-bottom:16px;padding-top:16px;border-radius:0.5rem;text-decoration-line:none" target="_blank"><span><!--[if mso]><i style="mso-font-width:500%;mso-text-raise:24" hidden>    </i><![endif]--></span><span style="max-width:100%;display:inline-block;line-height:120%;mso-padding-alt:0px;mso-text-raise:12px">Apply for Assistance</span><span><!--[if mso]><i style="mso-font-width:500%" hidden>    ​</i><![endif]--></span></a></td></tr></tbody></table></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(255,255,255);padding-right:0rem;padding-left:0rem;padding-bottom:0rem;padding-top:0rem"><tbody><tr><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="max-width:600px;margin-right:auto;margin-left:auto;padding-right:2rem;padding-left:2rem;padding-bottom:2.5rem;padding-top:2.5rem"><tbody><tr style="width:100%"><td><h2 style="color:rgb(193,0,7);font-size:1.5rem;line-height:1.375;font-weight:700;margin:0rem;margin-bottom:0.5rem">How the Application Process Works</h2><p style="font-size:0.875rem;line-height:1.4285714285714286;color:rgb(74,85,101);margin:0rem;margin-bottom:1.5rem;text-transform:uppercase;letter-spacing:0.025em;font-weight:600;margin-top:0rem;margin-left:0rem;margin-right:0rem">Simple, fast, and completely online</p><img alt="Abstract illustration showing upward financial growth and positive momentum" height="240" src="/static/images/library/finance-growth-concept.png" style="display:block;outline:none;border:none;text-decoration:none;width:100%;border-radius:0.5rem;margin-bottom:1.5rem;object-fit:cover" width="536"/><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="margin-bottom:1.25rem"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column" style="width:3rem;padding-right:1rem"><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(193,0,7);border-radius:9999px;width:2.5rem;height:2.5rem;text-align:center"><tbody><tr><td><p style="font-size:1rem;line-height:2.5rem;color:rgb(255,255,255);font-weight:700;margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">1</p></td></tr></tbody></table></td><td data-id="__react-email-column"><h3 style="color:rgb(16,24,40);font-size:1rem;line-height:1.5;font-weight:700;margin:0rem;margin-bottom:0.25rem">Complete the Online Application</h3><p style="font-size:0.875rem;line-height:1.625;color:rgb(74,85,101);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Head to our secure online portal and fill out your application form. The entire process takes under ten minutes. You will answer a short series of questions about your household size, income level, and the type of assistance you are seeking. Everything is encrypted and fully confidential.</p></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="margin-bottom:1.25rem"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column" style="width:3rem;padding-right:1rem"><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(193,0,7);border-radius:9999px;width:2.5rem;height:2.5rem;text-align:center"><tbody><tr><td><p style="font-size:1rem;line-height:2.5rem;color:rgb(255,255,255);font-weight:700;margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">2</p></td></tr></tbody></table></td><td data-id="__react-email-column"><h3 style="color:rgb(16,24,40);font-size:1rem;line-height:1.5;font-weight:700;margin:0rem;margin-bottom:0.25rem">Submit Supporting Documents</h3><p style="font-size:0.875rem;line-height:1.625;color:rgb(74,85,101);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Depending on the program, you may be asked to upload a few supporting documents — such as a recent pay stub, a utility bill, or a government-issued ID. Our document upload system is simple and mobile-friendly, so you can submit everything directly from your phone if needed.</p></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="margin-bottom:1.25rem"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column" style="width:3rem;padding-right:1rem"><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(193,0,7);border-radius:9999px;width:2.5rem;height:2.5rem;text-align:center"><tbody><tr><td><p style="font-size:1rem;line-height:2.5rem;color:rgb(255,255,255);font-weight:700;margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">3</p></td></tr></tbody></table></td><td data-id="__react-email-column"><h3 style="color:rgb(16,24,40);font-size:1rem;line-height:1.5;font-weight:700;margin:0rem;margin-bottom:0.25rem">Receive Your Eligibility Decision</h3><p style="font-size:0.875rem;line-height:1.625;color:rgb(74,85,101);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Our team reviews every application with care and urgency. Standard decisions are returned within 3 to 5 business days. Emergency hardship applications are reviewed within 48 hours. You will receive a notification via email the moment a decision is made on your case.</p></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column" style="width:3rem;padding-right:1rem"><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(193,0,7);border-radius:9999px;width:2.5rem;height:2.5rem;text-align:center"><tbody><tr><td><p style="font-size:1rem;line-height:2.5rem;color:rgb(255,255,255);font-weight:700;margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">4</p></td></tr></tbody></table></td><td data-id="__react-email-column"><h3 style="color:rgb(16,24,40);font-size:1rem;line-height:1.5;font-weight:700;margin:0rem;margin-bottom:0.25rem">Access Your Benefits and Start Fresh</h3><p style="font-size:0.875rem;line-height:1.625;color:rgb(74,85,101);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Once approved, your assistance benefits are activated immediately. You will receive a full breakdown of your relief package, your updated payment schedule (if applicable), and a dedicated case manager contact who will support you throughout the process. This is where your fresh start begins.</p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><hr style="width:100%;border:none;border-top:1px solid #eaeaea;border-color:rgb(243,244,246);margin:0rem"/><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(249,250,251);padding-right:0rem;padding-left:0rem;padding-bottom:0rem;padding-top:0rem"><tbody><tr><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="max-width:600px;margin-right:auto;margin-left:auto;padding-right:2rem;padding-left:2rem;padding-bottom:2.5rem;padding-top:2.5rem"><tbody><tr style="width:100%"><td><h2 style="color:rgb(193,0,7);font-size:1.5rem;line-height:1.375;font-weight:700;margin:0rem;margin-bottom:0.5rem">Real People, Real Results</h2><p style="font-size:0.875rem;line-height:1.4285714285714286;color:rgb(74,85,101);margin:0rem;margin-bottom:1.5rem;text-transform:uppercase;letter-spacing:0.025em;font-weight:600;margin-top:0rem;margin-left:0rem;margin-right:0rem">Stories from people who applied and found relief</p><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(255,255,255);border-radius:0.5rem;padding-right:1.5rem;padding-left:1.5rem;padding-bottom:1.5rem;padding-top:1.5rem;margin-bottom:1rem;border-style:solid;border-width:1px;border-color:rgb(229,231,235)"><tbody><tr><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column" style="width:3.5rem;padding-right:1rem"><img alt="Portrait of Maria T., a satisfied ClearPath assistance recipient" height="48" src="/static/people/person-headshot1.png" style="display:block;outline:none;border:none;text-decoration:none;border-radius:9999px" width="48"/></td><td data-id="__react-email-column"><p style="font-size:0.875rem;line-height:1.4285714285714286;color:rgb(16,24,40);font-weight:700;margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Maria T.</p><p style="font-size:0.75rem;line-height:1.3333333333333333;color:rgb(231,0,11);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Denver, CO — Bill Reduction Program</p></td></tr></tbody></table><p style="font-size:0.875rem;line-height:1.625;color:rgb(54,65,83);margin:0rem;margin-top:0.75rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">"I honestly did not think I would qualify. I applied in about eight minutes on my lunch break and got approved three days later. My utility bill was reduced by 35% and I finally feel like I can breathe again. ClearPath changed everything for me and my kids."</p></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(255,255,255);border-radius:0.5rem;padding-right:1.5rem;padding-left:1.5rem;padding-bottom:1.5rem;padding-top:1.5rem;margin-bottom:1rem;border-style:solid;border-width:1px;border-color:rgb(229,231,235)"><tbody><tr><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column" style="width:3.5rem;padding-right:1rem"><img alt="Portrait of James R., a satisfied ClearPath assistance recipient" height="48" src="/static/people/person-headshot3.png" style="display:block;outline:none;border:none;text-decoration:none;border-radius:9999px" width="48"/></td><td data-id="__react-email-column"><p style="font-size:0.875rem;line-height:1.4285714285714286;color:rgb(16,24,40);font-weight:700;margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">James R.</p><p style="font-size:0.75rem;line-height:1.3333333333333333;color:rgb(231,0,11);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Atlanta, GA — Emergency Hardship Relief Fund</p></td></tr></tbody></table><p style="font-size:0.875rem;line-height:1.625;color:rgb(54,65,83);margin:0rem;margin-top:0.75rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">"After losing my job unexpectedly, I had no idea where to turn. A friend told me about ClearPath and I applied the same night. Within 48 hours I had a decision and within a week my most urgent bills were covered. The case manager I worked with was incredible — professional, fast, and genuinely compassionate."</p></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(255,255,255);border-radius:0.5rem;padding-right:1.5rem;padding-left:1.5rem;padding-bottom:1.5rem;padding-top:1.5rem;border-style:solid;border-width:1px;border-color:rgb(229,231,235)"><tbody><tr><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column" style="width:3.5rem;padding-right:1rem"><img alt="Portrait of Sandra L., a satisfied ClearPath assistance recipient" height="48" src="/static/people/person-headshot5.png" style="display:block;outline:none;border:none;text-decoration:none;border-radius:9999px" width="48"/></td><td data-id="__react-email-column"><p style="font-size:0.875rem;line-height:1.4285714285714286;color:rgb(16,24,40);font-weight:700;margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Sandra L.</p><p style="font-size:0.75rem;line-height:1.3333333333333333;color:rgb(231,0,11);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Phoenix, AZ — Flexible Payment Assistance</p></td></tr></tbody></table><p style="font-size:0.875rem;line-height:1.625;color:rgb(54,65,83);margin:0rem;margin-top:0.75rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">"The flexible payment plan they set up for me was a complete game changer. No interest, no penalties — just a realistic schedule that I could actually stick to. I have recommended ClearPath to four of my coworkers already. This program is the real deal and more people need to know about it."</p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(255,255,255);padding-right:0rem;padding-left:0rem;padding-bottom:0rem;padding-top:0rem"><tbody><tr><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="max-width:600px;margin-right:auto;margin-left:auto;padding-right:2rem;padding-left:2rem;padding-bottom:2.5rem;padding-top:2.5rem"><tbody><tr style="width:100%"><td><h2 style="color:rgb(193,0,7);font-size:1.5rem;line-height:1.375;font-weight:700;margin:0rem;margin-bottom:0.5rem">Frequently Asked Questions</h2><p style="font-size:0.875rem;line-height:1.4285714285714286;color:rgb(74,85,101);margin:0rem;margin-bottom:1.5rem;text-transform:uppercase;letter-spacing:0.025em;font-weight:600;margin-top:0rem;margin-left:0rem;margin-right:0rem">Everything you need to know before you apply</p><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="margin-bottom:1.25rem"><tbody><tr><td><h3 style="color:rgb(16,24,40);font-size:1rem;line-height:1.5;font-weight:700;margin:0rem;margin-bottom:0.25rem">Who is eligible to apply?</h3><p style="font-size:0.875rem;line-height:1.625;color:rgb(74,85,101);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Eligibility is based on household income relative to the federal poverty guidelines, current financial hardship status, and the specific program you are applying for. In general, if your household income falls below 200% of the federal poverty level, you are very likely to qualify for at least one of our programs. We encourage everyone experiencing hardship to apply — you may be surprised by what you qualify for.</p></td></tr></tbody></table><hr style="width:100%;border:none;border-top:1px solid #eaeaea;border-color:rgb(243,244,246);margin-bottom:1rem;margin-top:1rem"/><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="margin-bottom:1.25rem"><tbody><tr><td><h3 style="color:rgb(16,24,40);font-size:1rem;line-height:1.5;font-weight:700;margin:0rem;margin-bottom:0.25rem">Is there any cost to apply?</h3><p style="font-size:0.875rem;line-height:1.625;color:rgb(74,85,101);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Absolutely not. Applying for any ClearPath assistance program is 100% free. There are no application fees, no hidden charges, and no obligations. Our programs are funded through government relief allocations and nonprofit partnerships, which means the help you receive costs you nothing.</p></td></tr></tbody></table><hr style="width:100%;border:none;border-top:1px solid #eaeaea;border-color:rgb(243,244,246);margin-bottom:1rem;margin-top:1rem"/><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="margin-bottom:1.25rem"><tbody><tr><td><h3 style="color:rgb(16,24,40);font-size:1rem;line-height:1.5;font-weight:700;margin:0rem;margin-bottom:0.25rem">Will applying affect my credit score?</h3><p style="font-size:0.875rem;line-height:1.625;color:rgb(74,85,101);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">No. Applying for assistance through ClearPath does not involve a credit inquiry of any kind. We do not run hard or soft credit checks as part of the application process. Your credit score will not be impacted in any way.</p></td></tr></tbody></table><hr style="width:100%;border:none;border-top:1px solid #eaeaea;border-color:rgb(243,244,246);margin-bottom:1rem;margin-top:1rem"/><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation"><tbody><tr><td><h3 style="color:rgb(16,24,40);font-size:1rem;line-height:1.5;font-weight:700;margin:0rem;margin-bottom:0.25rem">How long does it take to receive assistance after approval?</h3><p style="font-size:0.875rem;line-height:1.625;color:rgb(74,85,101);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Once approved, most applicants begin receiving the benefits of their assistance package within 5 to 7 business days. Emergency hardship cases are prioritized and benefits are typically activated within 2 to 3 business days of approval. Your case manager will keep you informed throughout the entire process.</p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(193,0,7);padding-right:0rem;padding-left:0rem;padding-bottom:0rem;padding-top:0rem"><tbody><tr><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="max-width:600px;margin-right:auto;margin-left:auto;padding-right:2rem;padding-left:2rem;padding-bottom:3rem;padding-top:3rem;text-align:center"><tbody><tr style="width:100%"><td><h2 style="color:rgb(255,255,255);font-size:1.875rem;line-height:1.25;font-weight:700;margin:0rem;margin-bottom:1rem">Your Fresh Financial Start Is One Click Away</h2><p style="font-size:1rem;line-height:1.625;color:rgb(255,226,226);margin:0rem;margin-bottom:0.75rem;max-width:28rem;margin-right:auto;margin-left:auto;margin-top:0rem">Thousands of people have already taken this step and transformed their financial situation. The programs are here, the funding is available, and the application takes less than ten minutes.</p><p style="font-size:1rem;line-height:1.625;color:rgb(255,226,226);margin:0rem;margin-bottom:2rem;max-width:28rem;margin-right:auto;margin-left:auto;margin-top:0rem">Do not let another month go by carrying a burden you do not have to carry alone. Apply right now and let ClearPath show you what is possible when the right support is in your corner.</p><a href="https://example.com/apply" style="line-height:1.5555555555555556;text-decoration:none;display:inline-block;max-width:100%;mso-padding-alt:0px;background-color:rgb(255,255,255);color:rgb(193,0,7);font-weight:700;font-size:1.125rem;padding-right:48px;padding-left:48px;padding-bottom:20px;padding-top:20px;border-radius:0.5rem;text-decoration-line:none;margin-bottom:1rem" target="_blank"><span><!--[if mso]><i style="mso-font-width:480%;mso-text-raise:30" hidden>     </i><![endif]--></span><span style="max-width:100%;display:inline-block;line-height:120%;mso-padding-alt:0px;mso-text-raise:15px">Apply for Assistance</span><span><!--[if mso]><i style="mso-font-width:480%" hidden>     ​</i><![endif]--></span></a><p style="font-size:0.75rem;line-height:1.3333333333333333;color:rgb(255,201,201);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Free to apply. No credit check. Decisions within 48–72 hours.</p></td></tr></tbody></table></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="background-color:rgb(16,24,40);padding-right:0rem;padding-left:0rem;padding-bottom:0rem;padding-top:0rem"><tbody><tr><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="max-width:600px;margin-right:auto;margin-left:auto;padding-right:2rem;padding-left:2rem;padding-bottom:2.5rem;padding-top:2.5rem"><tbody><tr style="width:100%"><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="text-align:center;margin-bottom:1.5rem"><tbody><tr><td><img alt="ClearPath Financial Services" height="35" src="/static/company-logo.png" style="display:block;outline:none;border:none;text-decoration:none;margin-right:auto;margin-left:auto;margin-bottom:0.75rem" width="140"/><p style="font-size:0.875rem;line-height:1.4285714285714286;color:rgb(153,161,175);margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Helping households find financial relief since 2018.</p></td></tr></tbody></table><hr style="width:100%;border:none;border-top:1px solid #eaeaea;border-color:rgb(54,65,83);margin-bottom:1.5rem;margin-top:1.5rem"/><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="text-align:center;margin-bottom:1.5rem"><tbody><tr><td><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation"><tbody style="width:100%"><tr style="width:100%"><td data-id="__react-email-column" style="text-align:center"><a href="https://example.com/programs" style="color:rgb(153,161,175);text-decoration-line:none;font-size:0.75rem;line-height:1.3333333333333333;margin-right:0.5rem;margin-left:0.5rem" target="_blank">Programs</a><a href="https://example.com/eligibility" style="color:rgb(153,161,175);text-decoration-line:none;font-size:0.75rem;line-height:1.3333333333333333;margin-right:0.5rem;margin-left:0.5rem" target="_blank">Eligibility</a><a href="https://example.com/faq" style="color:rgb(153,161,175);text-decoration-line:none;font-size:0.75rem;line-height:1.3333333333333333;margin-right:0.5rem;margin-left:0.5rem" target="_blank">FAQ</a><a href="https://example.com/contact" style="color:rgb(153,161,175);text-decoration-line:none;font-size:0.75rem;line-height:1.3333333333333333;margin-right:0.5rem;margin-left:0.5rem" target="_blank">Contact Us</a><a href="https://example.com/privacy" style="color:rgb(153,161,175);text-decoration-line:none;font-size:0.75rem;line-height:1.3333333333333333;margin-right:0.5rem;margin-left:0.5rem" target="_blank">Privacy Policy</a></td></tr></tbody></table></td></tr></tbody></table><table align="center" width="100%" border="0" cellPadding="0" cellSpacing="0" role="presentation" style="text-align:center;margin-bottom:1.5rem"><tbody><tr><td><a href="https://facebook.com" style="color:rgb(153,161,175);text-decoration-line:none;font-size:0.75rem;line-height:1.3333333333333333;margin-right:0.75rem;margin-left:0.75rem" target="_blank">Facebook</a><a href="https://twitter.com" style="color:rgb(153,161,175);text-decoration-line:none;font-size:0.75rem;line-height:1.3333333333333333;margin-right:0.75rem;margin-left:0.75rem" target="_blank">X / Twitter</a><a href="https://linkedin.com" style="color:rgb(153,161,175);text-decoration-line:none;font-size:0.75rem;line-height:1.3333333333333333;margin-right:0.75rem;margin-left:0.75rem" target="_blank">LinkedIn</a><a href="https://instagram.com" style="color:rgb(153,161,175);text-decoration-line:none;font-size:0.75rem;line-height:1.3333333333333333;margin-right:0.75rem;margin-left:0.75rem" target="_blank">Instagram</a></td></tr></tbody></table><hr style="width:100%;border:none;border-top:1px solid #eaeaea;border-color:rgb(54,65,83);margin-bottom:1.5rem;margin-top:1.5rem"/><p style="font-size:0.75rem;line-height:1.625;color:rgb(106,114,130);text-align:center;margin:0rem;margin-bottom:0.75rem;margin-top:0rem;margin-left:0rem;margin-right:0rem">ClearPath Financial Services, LLC — 4820 Commerce Parkway, Suite 310, Denver, CO 80202</p><p style="font-size:0.75rem;line-height:1.625;color:rgb(106,114,130);text-align:center;margin:0rem;margin-bottom:0.75rem;margin-top:0rem;margin-left:0rem;margin-right:0rem">You are receiving this email because you signed up for updates from ClearPath Financial Services or were referred by a partner organization. This message contains information about government and nonprofit-funded assistance programs. ClearPath is not a government agency.</p><p style="font-size:0.75rem;line-height:1.3333333333333333;color:rgb(106,114,130);text-align:center;margin:0rem;margin-top:0rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem"><a href="https://example.com/unsubscribe" style="color:rgb(255,100,103);text-decoration-line:none" target="_blank">Unsubscribe</a> <!-- --> | <!-- --> <a href="https://example.com/preferences" style="color:rgb(255,100,103);text-decoration-line:none" target="_blank">Manage Preferences</a> <!-- --> | <!-- --> <a href="https://example.com/view-online" style="color:rgb(255,100,103);text-decoration-line:none" target="_blank">View in Browser</a></p><p style="font-size:0.75rem;line-height:1.3333333333333333;color:rgb(74,85,101);text-align:center;margin:0rem;margin-top:1rem;margin-bottom:0rem;margin-left:0rem;margin-right:0rem">Copyright 2026 ClearPath Financial Services. All rights reserved.</p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><!--/$--></body></html>