MHET’s John Garay on Rise Up Radio

John Garay, MHET’s Bilingual Community Coordinator, was interviewed on Radio Kingston by Yolanda Knox and Katrina Houser to talk about Mid-Hudson Energy Transition’s programs and how community members can get involved.

The conversation is a great window into what our work looks like on the ground: not just policies and programs, but real people, real needs, and real pathways to making homes healthier, more affordable, and more energy efficient.

John talks about how MHET works with community members across the region, especially those who are too often left out of clean energy and energy efficiency programs. The interview explores how our programs are designed to meet people where they are (linguistically, culturally, and practically) and how trust, relationships, and accessibility are just as important as the technical side of energy work.

As our Bilingual Community Coordinator, John focuses on outreach, communication, and direct support for underrepresented communities, helping make sure the energy transition isn’t something that happens to people, but something they can actively participate in and benefit from.

This Rise Up Radio interview is a warm, practical, and grounding conversation about what energy justice looks like when it’s rooted in real lives and real neighborhoods.

Give the interview a listen and let it be a reminder that the energy transition is, at its core, a community project.

Jasmine Graham on Climate with Kiana

Throwback Thursday! At the end of 2023, Executive Director, Jasmine Graham, was a guest on Climate with Kiana, a podcast that explores climate solutions through a framework of joy and justice.

Climate with Kiana is all about something we deeply believe at MHET: that the path to a sustainable future isn’t just technical or policy-driven, it’s human. The show uplifts conversations with climate, energy, and sustainability leaders who are working toward solutions that are not only effective, but equitable, community-rooted, and life-affirming. It’s a space for curiosity, reflection, and honest conversation about how we get to a more just and joyful world.

In this episode, Jasmine and host Kiana dig into some of the big questions that sit at the heart of our work: What does energy justice really mean? What does energy democracy look like in practice? And what does a just transition require from our policies, our institutions, and ourselves?

They talk about the historical role policy has played in shaping our energy systems and how those systems have too often produced unequal and unjust outcomes. Jasmine shares perspective on why equitable energy solutions aren’t a “nice to have,” but a necessity if we’re serious about addressing the climate crisis in a way that actually improves people’s lives.

The conversation also traces Jasmine’s own journey working in clean energy in New York State, and the experiences that shaped their understanding of what’s possible when communities are centered in the transition. Along the way, Jasmine reflects on what continues to bring them inspiration, hope, and joy in this work because even in the face of enormous challenges, there are real, living examples of change happening right now.

It’s a thoughtful, grounded, and deeply human conversation about how we move from extractive systems toward ones built on care, participation, and shared power— exactly the kind of future we’re working toward at MHET every day.

We’re grateful to Climate with Kiana for creating space for these conversations and for uplifting the stories of people working toward just, sustainable, and joyful climate solutions.

Give the episode a listen and let it remind you that a better energy system isn’t just possible. We’re already building it.

The Opportunity for Thermal Energy Networks in a Just Transition

Connor Cantrell | 11/20/2025

Climate change is here, it’s accelerating, and our goal now must be to mitigate the harm it is causing and will cause. This is becoming more difficult because the federal government is actively working against a green transition, let alone an equitable one. Without federal resources and protections, the energy transition will be driven by private interests, not the public good. In this grim context, the focus of the just energy transition we need must be local and grounded in the communities suffering most from climate chaos and fossil fuel pollution.  

The most vulnerable households in our communities are facing the heaviest burdens. If the energy transition is unmanaged, those who have enough resources to own a home, to install solar and geothermal, to buy batteries, to weatherize, to electrify, will do so, and they will save money doing it. These homes will be less reliant on the grid, while households who can’t afford these upgrades are left footing the bill for the grid as it decays. It’s a perfect example of how having less money makes basic needs more expensive. 

So we need a managed transition that doesn’t leave anyone behind. First, because of the love for our neighbors in our hearts, and second, because only a holistic approach can deliver comprehensive success. Have we transitioned away from fossil fuels if more than half of the population is still dependent on them? Of course not. The end of fossil fuel dependence needs to be complete. 

Decarbonizing needs to happen at scale. This is not cheap. And since we’re in an environment where funding is uncertain, we need to develop our own reliable sources of funding. In the absence of institutional support, we have to create our own institutions. In the wealth building biz these are called anchor institutions

In New York State, we’re operating in an energy ecosystem controlled by private, for profit utilities that maintain state sponsored monopolies over the electric and fossil fuel infrastructure. There are policy initiatives to change this status quo, but we also need to institute material changes with an urgency commensurate with the toll of climate collapse.

The big investor-owned utilities won’t orchestrate a managed transition themselves. In fact, they are fighting it: the incentives for for-profit institutions are to keep costs down and revenue up, and prevent competition. They’re not constructed to manage a just transition and we can’t expect them to operate against their interests.

But we can use the early stages of TEN development in New York as an opening to create our own institutions.

Each of New York’s seven largest investor-owned utilities is constructing a pilot thermal energy network (TEN) in accordance with the Utility Thermal Energy Network and Jobs Act (UTENJA). But their construction, development, and mass application are expensive, and, as noted, inconsistent with the structured profit incentives enjoyed by the utilities. We have not seen any indication that they plan to rapidly expand the adoption of thermal energy networks. Most of the utilities have not been enthusiastic about building TENS, because they replace the lucrative gas infrastructure with these renewable, highly resilient systems. That will cut into their bottom line, benefitting the customers instead of the corporations.

Utility scale thermal energy networks present an opportunity to decarbonize at scale. The Building Decarbonization Coalition provides a good explanation of  thermal energy networks (TENs) here. Very simply, TENs move heat around through underground water-filled pipes to warm and cool buildings. They get their heat from the earth’s constant, moderate temperature and from buildings in the system, even from sewage plants. They take excess heat from homes in summer to cool them, store it underground, and deliver it in winter.

So here’s the proposal: We create thermal energy networks that are structured to achieve a just transition. For example, the West Union, Iowa thermal energy network is municipally owned. Meaning that if the system isn’t working, the public has an opportunity to apply political pressure to an incumbent or challenger for local office. We can also construct TENs as independent non-profits, which also avoid the for-profit incentives of investor owned utilities.   

Either way, we have a local energy system that has a guaranteed revenue stream from distributing affordable heating and cooling and that revenue can be used to expand the system over time. TENs are modular, and they become more efficient as they increase in size and as they diversify the kinds of buildings they serve. Residential, commercial, and industrial heating and cooling needs all feed into the ability to balance the system. 

So, in an environment with dwindling opportunities for resources, we can start small and grow. We can expand and reach more members of our community and achieve ever increasing economies of scale. And, since these systems are local, the buildings that pay into the TEN for their heating and cooling needs avoid exporting that money out of their community. 

When we pay a Central Hudson utility bill in Kingston, it goes to a Canadian holding company. But if we were paying a local TEN, that money would go to local jobs and the further expansion of equitable decarbonization. Keeping money local and growing wealth locally. 

The best time to start a thermal energy network was twenty years ago. The next best time is today.

Mid-Hudson Energy Transition launches first-of-its-kind, ultra-low-interest loan program for home energy upgrades in Kingston

We’re thrilled to announce that our Home Energy Loan Program (HELP) is officially live! After months of planning and preparation, HELP is now ready to provide income-eligible households in Kingston with affordable loans to make their homes more energy efficient, safe, and comfortable. HELP is made possible by a coalition of partners, including Ulster Savings Bank who provide loan administration and servicing and the New York State Energy Research and Development Authority (NYSERDA), who has provided a $500,000 loan loss reserve.

Even more exciting, we’ve already given out our first loan! Our very first recipient shared:

“This program is exactly what working families in Kingston need. I’ve wanted to upgrade my insulation for years and HELP made it possible. The monthly payment was manageable for my budget and MHET helped me through every step—from applying for incentives to finding a contractor. With winter around the corner, I hope to see the benefits very quickly. “

Ethel Knox

Kingston resident + first HELP loan recipient

This milestone proves what we’ve believed from the start: with the right support, families can make the upgrades they need to save energy, lower costs, and feel more secure in their homes.

What HELP Does
HELP was designed to bridge the gap for households who need energy upgrades but face financial barriers. Whether it’s a heat pump water heater, insulation, or an induction stove, HELP offers low-interest loans (2% APR*) that make these improvements possible.

How You Can Get Involved
You can start sharing HELP with your community today! Here’s how:

  • Refer people to HELP. If you know someone who could benefit, please send them this interest form.

  • Apply for a loan. If you’d like to make improvements in your own home, fill out this interest form to start your application.

This is just the beginning. We can’t wait to see more households access the energy savings and comfort they deserve through HELP!

*Disclaimer: Annual Percentage Rate (APR): APR is a measure of the cost of credit, expressed as a yearly rate. The 2% APR rate is available to all qualified applicants who meet our underwriting criteria, regardless of credit score. Exact APR may vary between 2.0-2.5% depending on loan term and amount. This advertisement is not a guarantee of credit approval.

How Are Clean and Renewable Energy Different?

Michelle Rochniak | 8/18/2025

 

When people talk about eco-friendly energy, they sometimes use “clean” and “renewable” interchangeably. But they don’t necessarily mean the same thing.

Clean energy is energy that doesn’t release greenhouse gases. It includes solar, wind, geothermal, and tidal energy. It also includes nuclear energy—which doesn’t emit greenhouse gases but does create radioactive waste. Nuclear also harms the land, and Indigenous peoples generally oppose nuclear for that reason. For more on this, see Joe Heath’s (General Counsel of the Onondaga Nation) article for the Sierra Club.

Renewable energy is energy that is easily replenished. It uses resources that are essentially infinite. This category includes all of the above except nuclear. So, generally speaking, all renewable energy is clean, but not all clean energy is renewable.

As we create an energy transition that’s better for us and our planet, it’s important for the energy we use to be both clean and renewable. 

Here at MHET, we’re excited for all kinds of clean, renewable energy. Our community solar program has slowly been growing over the last several months, and we’ve got our eyes on a couple of other clean energy projects. Eventually, we hope to bring agrivoltaics and thermal energy networks to the Hudson Valley.

Agrivoltaics combines farming and solar panels in one place. This allows farmers to maintain their farms and harvest clean, renewable energy at the same time. It also creates additional shade and can provide more space for pollinators.

Thermal energy networks, or TENs, use a network of pipes to distribute thermal energy for heating and cooling between buildings. The thermal energy comes from existing heat resources, like wastewater treatment plants, or from digging boreholes 500+ feet into the ground. Digging boreholes can be expensive upfront. But once the networks are in place, they’re clean, safe, and quiet. Most importantly, they can be more than 500% more efficient than current heating and cooling systems. This means they’ll allow us to use less energy and keep more resources within our community.

MHET has a lot of clean energy dreams. All of our work strives to allow the community to have energy democracy, or ownership over clean energy. It’ll take some time for it all to happen, but we’re confident that change can happen. Explore our website today to learn more and see how we can work together to help the Kingston community!

What You Need to Know About Weatherization

Michelle Rochniak | 8/7/2025

Did you know that insulating your home can help you save money on your energy bill?

It’s true — things like closing the gap between a door and the floor, wrapping pipes, and sealing windows can all keep outside air out. Keeping out heat in the summer and cold in the winter can lower your bill, which doesn’t have to be something you do on your own.

Programs like the Weatherization Assistance Program (WAP) have helped a lot of people save money through weatherization tactics like insulation, ductwork, and ventilation repairs. In fact, the average weatherized household saves $372 on their energy bill every year.

WAP is a fantastic option for those who need support insulating their home, but it isn’t perfect. The American Council for an Energy-Efficient Economy (ACEEE) shared recently that about one in five eligible households can’t get what they need from WAP. This is because WAP requires that homes get other critical pre-weatherization repairs first before using the program.

These pre-weatherization repairs aren’t small or cheap either. Leaky roofs are the main issue for a majority of homes that can’t currently use WAP. When problems like that cost $14,000 on average, making repairs to create a home that’s up to WAP’s standards can be a nearly impossible task.

The federal government created a pre-weatherization fund (PWF) in 2022 to solve this problem, but it only invested $15 million. And now, the “Big Ugly Bill” is deprioritizing programs like the WAP and PWFs. Energy costs will rise across the country by $33 billion annually by 2035. That means it will be even harder, especially for low-income households, to make critical (pre-)weatherization repairs to their homes.

When programs fail people or become nonexistent, the community has a responsibility to call and act for better.

We want to help fill in the gaps at MHET. Our community requires weather- and climate-resilient homes now. Our solutions aim to make it easier for community members across Kingston to make those homes a reality.

Our hyper-accessible Home Upgrade Grants (HUG) program and our Home Energy Loan Program (HELP) both assist people with making energy-efficient upgrades to their homes.

HUG provides free financial support to low-income households in Kingston. HELP gives ultra-low-interest loans (2% APR) to low- and moderate-income Kingston homes. We know these programs will help create healthier, safer homes for low-income and other historically marginalized communities.

National programs aren’t meeting our community’s needs, so we’re doing what we can on the local level to help our neighbors. If you are interested in taking some small steps to insulate your home on your own, we have free weatherization kits to help boost your home’s insulation. If you’re interested in getting one (or know someone who might want one), reach out to info@mid-hudson.energy or call (845) 383-1050.

Terminations and Their Outcomes

Ryann Busillo | 8/5/2025

In our previous blog, Connor summarized Final Termination Notices (FTNs) and Deferred Payment Agreements (DPAs). Here, I’ll dive deeper into terminations and their outcomes, exploring questions like: how often do terminations occur, and what happens before—and after—a shutoff?

Why Energy Is Not Just another Subscription

Receiving a Final Termination Notice is flat-out undesirable. In today’s world, energy is a basic requirement for almost everything we do, whether we realize it or not. It’s easy to forget how deeply we rely on this service when all it takes to turn on the lights is a flick of the switch. But as easy as energy is to access, it is not ours. We, the people, do not own the power plants or the transmission lines that bring electricity to our homes and businesses. Like Netflix or Spotify, we pay a “subscription” fee to use it. But energy is unique: we depend on it, and we pay for it after we’ve used it, much like a line of credit.

While services like Netflix and Spotify might offer entertainment, they don’t provide the foundation for daily life or a dignified existence. Energy does. 

More Than an Inconvenience: A Day Without Power

Imagine waking up and walking to the bathroom. You reach for the light switch, but nothing happens. It’s frustrating, but the morning sunlight is enough to get by. You move through your routine and turn the shower knob to hot. It’s January in Kingston, and the cold air makes you crave warmth. You notice it was harder than usual to get out of bed. The water never heats up. The radiator is cold to the touch.

Earlier in the month, Central Hudson sent you a Final Termination Notice. But with gas, groceries, and rent already stretching your budget, you left the notice on the kitchen counter. This was your first time falling more than two months behind—winter energy bills tend to be higher due to heating, and you hadn’t anticipated the unexpected $75 increase, even while trying to limit your usage. Five days later, Central Hudson sent you a Deferred Payment Agreement. You read the terms: a 15% down payment and monthly installments at about half your usual bill. You think, I can’t afford this. I need to eat. I need gas to get to work. And keeping a roof over your head feels more urgent than the energy bill.

Your phone rings. It’s your boss. The battery is at 2%. You run to the car to charge it, skipping breakfast—your stove doesn’t work, and the fridge is no longer running. 

Stories like this aren’t hypothetical, they reflect the real, everyday trade-offs thousands of customers are forced to make. And the data backs it up.

May 2025: Breaking Down The Numbers

In May 2025, Central Hudson issued 14,510 Final Termination Notices. Of those, 6,800 reached “field action” status, meaning their meters were officially eligible for shutoff. In the end, 1,109 accounts were actually terminated—about 16% of those eligible for shutoff. As shown below, only 4.9% of accounts who received an FTN were shut off. 

A Note on Central Hudson’s Shut off Practices: Central Hudson’s collections team is small, so staff focus on terminating accounts with the oldest or largest debt; if another field action account happens to be along the same route, it might get shut off, too.

Understanding Your Options After an FTN

Let’s break down what’s happening. FTNs are only sent to customers who are 60 or more days behind on their energy bill. At that point, customers have two main options: enter a Deferred Payment Agreement or apply for public assistance—more on that later. A third, less realistic option is to pay the balance in full. But for customers already struggling to pay a single month’s bill, this isn’t feasible.

So, what happens to those 1,109 accounts that were actually terminated? As with the options following an FTN, customers can: enroll in a DPA, attempt to access public assistance, or pay the balance in full—again, an unlikely choice.

The Reconnection Reality: What the Data Tells Us

It’s important to note that this is a generalization—the data does not distinguish between accounts that were shut off and reconnected within the same month versus those disconnected earlier and reconnected later. Still, the takeaway is clear: Deferred Payment Agreements (DPAs) remain the primary pathway to avoid or recover from service termination.

According to Central Hudson’s report, in May 2025, 590 of the 1,109 accounts were reconnected, while 519 remained disconnected by month’s end. Of the 590 reconnected accounts, 578—about 52% of all shutoffs—were restored through DPAs. Only 12 customers, or 1.1%, were reconnected using grants from the Home Energy Assistance Program (HEAP) or the Department of Social Services (DSS).

Put simply: Out of every 100 homes at risk of termination in May 2025, 84 avoided shutoff altogether. Of the 16 that lost service, 8 were reconnected through a Deferred Payment Agreement (DPA), one was restored through HEAP or DSS assistance, and 7 remained without service by the end of the month.

FTNs and Shutoffs: A Historical Look

The graph above shows the percentage of at-risk accounts that actually lost service each month from January 2020 through May 2025. In late 2020, fewer than 2.3% of eligible customers were disconnected (compared to 16% in May 2025). Then, in April 2020, New York State imposed a pandemic-related moratorium on shutoffs that lasted through December 2021. Central Hudson’s botched rollout of a new billing system in September 2021 (see: How the Number of Households in Debt to Central Hudson Skyrocketed) led regulators to pause shutoffs until April 2024. FTNs resumed in December 2023—not to immediately shut off customers, but to reopen access to financial assistance. As counterintuitive as it may sound, receiving an FTN, while stressful, is often the first step toward getting help with overdue bills.

What Happens After an FTN Is Issued?

An FTN means more than just a potential power loss. Under the Home Energy Fair Practices Act, it marks the beginning of a minimum 15-day notice period before shutoff can occur. As mentioned above, a DPA is typically offered five business days after an FTN is issued. If the terms are unaffordable, customers can call Central Hudson and ask if they qualify for a minimum payment agreement by submitting a financial statement. This step is crucial: DSS usually won’t provide assistance unless the customer is enrolled in a minimum agreement—or has no income.

Other programs—like HEAP, Emergency HEAP, and Central Hudson’s Bill Discount Program—do not require a payment agreement to apply. However, Central Hudson’s Good Neighbor Fund does require that a customer first default on a minimum payment agreement before qualifying.

Debt Relief or Debt Management? A Shifting Strategy

When we look at reconnection trends over time, a shift in outcomes emerges. In early 2020, about 23% of service restorations came from HEAP or DSS, while 28% were through DPAs. For customers in Central Hudson’s Energy Assistance Program (EAP), 62% of reconnections were through HEAP or DSS and 13% through DPAs. But by May 2025, only 1.1% of reconnections came from HEAP or DSS, while 52% were through DPAs. EAP data for the same period show 20% from HEAP or DSS and nearly 59% from DPAs.

This shift suggests a transition away from debt relief toward repayment plans that stretch out the debt over time. Across all customers, reconnections using HEAP or DSS decreased by 22 percentage points (from 23% to 1.1%), while those using DPAs increased by 24 percentage points (from 28% to 52%).

The Barriers to Public Assistance

Returning to the options available after receiving an FTN or being shut off—enter a DPA, seek public assistance, or pay in full—we see how limited the options truly are. Paying in full is unrealistic for most, and reconnection data shows public assistance rarely works in practice. As sociologist Dr. Diana Hernández documents in Powerless, energy assistance programs are often riddled with complexity. Limited funding, narrow eligibility rules, and a lack of transparency mean that even well-meaning programs can fail the people they’re designed to serve.

Some customers are excluded due to income thresholds that don’t reflect actual cost of living. Others never even hear about the programs in time. And for those who do qualify, the burden of applying—paperwork, deadlines, follow-ups—can be overwhelming when you’re already in crisis.

Closing Thoughts & What’s Next

In short, DPAs have become the only reliable path for most customers to avoid shutoff and restore service. In my next blog post, we’ll take a closer look at the trends and interactions between Central Hudson’s customers in arrears and the Deferred Payment Agreements that are supposed to assist them. If you need help navigating a Final Termination Notice or understanding your DPA, don’t hesitate to reach out. And! If you’re looking for a guaranteed way to save on your utility bills, you might benefit from our community solar program. We’d love to hear from you.

Energy Costs in Summer vs Winter

Michelle Rochniak | 6/26/2025

Winter heating and summer cooling use a substantial amount of energy in your home. But which costs more on average?

You might  think this simple question would have a simple answer. But the kind of energy you use in the winter probably isn’t the same energy you use in the summer. And when looking for an average cost, your neighbors may not use the same energy as you in either season, or at all. Energy sources won’t have the answers we need — we have to observe our climate instead.

Imagine if it was over 90°F every single day for all of July this year. That’s how many “extreme heat days” (above 90°F) that Region 5 of New York may experience over the course of a year by the end of the 2020s.

The Hudson River Estuary Program estimates that, by the end of the decade, the Hudson Valley will have between 19 and 31 days that are above 90°F every single year. The number of extreme heat days  is doubling from the 10-12 days above 90°F in the baseline era of 1971-2000.

On the other side, there are “cold days,” where the temperature is at or below 32°F. In the Hudson Valley,  there will be less cold days by the end of the decade, with Regions 2 (orange area on map) and 5 (green area) experiencing between 108 and 136  by the end of the decade compared to their baselines of 138 and 155.  That’s a loss of almost three weeks of cold days in both regions.

While that indicates we’ll need less heating in the winters, we’ll need more energy to stay cool in the summers. The Hudson Valley regions used to have 1-2 heat waves a year with 4 days each during the baseline era. But by the end of the decade, both regions could have 3 or 4 heat waves a yearwith 5 days each.

In 2020, environmental health scientists at Columbia University Mailman School of Public Health and the University of Washington published a study that examined severe weather-driven power outages in New York State between 2017 and 2020. The study suggests that, of all urban areas outside of New York City, the Hudson Valley and Long Island had the most severe weather-driven power outages. And power outages are more likely to happen when temperatures go above 86°F in all non-NYC urban areas. That means more power outages in Kingston are more likely as we see more days of 90°F or higher per year.

Our current backup generator system is also not enough. The energy grid is relatively stable for now. But when we do need backup energy, we tend to use diesel generators. Those generators cause a lot of air pollution and can further endanger our neighbors’ health. 

While everyone will feel these changes, they’ll hit historically marginalized communities the most — who have already experienced the brunt of climate change up until and including now. It’s irresponsible to create a future where this is still the case.

While it isn’t clear what will cost more, summer cooling will likely use more resources as temperatures rise with energy costs. But no one, especially marginalized communities, should have to pay this rising price. If we don’t change now, we’ll keep contributing to an unjust, exclusive energy system.

MHET Launches Community Zine!

Take a look at our first ever zine, Neighbors & Networks, here! Flip through a digital PDF, and listen to the audio version (coming soon!). 

This zine is a letter of appreciation to our community here in Kingston. If you’d like a physical copy, you can find them at the Kingston Library, Curious Kingston, our office, and other places around Kingston. Don’t forget to share it with your loved ones in the area!

Read Neighbors and Networks Below!

Introduction to Termination Notices in Central Hudson

Connor Cantrell | 6/25/2025

In May 2025, fifty thousand households served by Central Hudson were over sixty days in arrears. Specifically, 51,479 of the 274,264 total households had been in debt to the utility for more than two months, with an average balance of $2,661. Central Hudson publishes these numbers monthly.

Horrific status quo aside (I wrote about it here) the arrears category is worth examining on its own. Once you’ve carried a balance with Central Hudson for over sixty days, you receive your first termination notice.

In that termination notice, you’ll find an offer for a deferred payment agreement. This is the avenue Central Hudson offers for struggling homes to make their way out of debt. Which, in some ways, makes sense. As a profit-driven business, their emphasis is on collecting payments. So, the solution to customer debt is a plan that allows Central Hudson to collect the money they are owed, rather than a plan to meaningfully address the cause of the debt.

A typical agreement starts with a large down payment and the rest of the balance is divided over the next six payment periods. You can see a sample of this deferred payment agreement here. The second page of the sample agreement lists the standard terms, where the customer is charged 30% of their total balance as the down payment. This down payment is added to any bills issued after the termination notice is sent. So, if you receive a termination notice and a month passes before entering into a payment agreement, that month’s bill is also due along with the down payment. Then come the monthly installments, which are either:

  1. The cost of your average monthly usage, or
  2. One-sixth of the balance—whichever is greater.

This is all in addition to upcoming bills, which are still due in full. Otherwise, the agreement defaults and the total balance becomes due again.

So, if the average debt is $2,661 in May 2025, a customer would be responsible for $798 up front, followed by six payments of $310, on top of the normal monthly energy bills. Does this sound like a solution for a household already struggling to pay? 

Here’s what that looks like based on Central Hudson’s average monthly energy costs per year, including electricity and gas.

There is some leniency, to be fair. The debt doesn’t accrue interest, and if you can show financial hardship, you can negotiate for a zero-dollar down payment and $10 monthly payments instead of the initial offer.

But how many people know that? I know because I’ve been talking to social services coordinators and researching it. But Central Hudson doesn’t seem to advertise this information. The sample agreement I found mentions the possibility of negotiation in two small paragraphs, and I can’t find anything about it on Central Hudson’s website. How do you prove financial hardship? The answer is through participation in assistance programs. Which come with their own administrative barrier to entry. 

The one-size-fits all price of residential energy is a major driver of these situations. Since the price of energy is fixed across users, and every household needs energy to maintain a normal standard of living, lower-income households end up paying a much higher percentage of their budget to the utility. So the cost of energy is functionally regressive. One family might pay 5% of their income toward energy, while another pays 20% for the same service.

Instead, we could institute a progressive structure, where households are billed a percentage of monthly income for energy costs. The utility would take a portion of your income, scaled to what you earn. The NY HEAT Act proposes exactly this. If it passes, bills would be capped at 6% of monthly budgets for low-income households.  

Privately owned utilities have no incentive to institute similar measures on their own. As for-profit organizations, their goal is to grow revenue year after year while keeping their costs down. A big part of that commitment to revenue is the process of collecting payment. 

If you can’t pay, you don’t get lights at night. You don’t get internet access. Again, being fair, there are exceptions. Customers can apply for protected status to avoid shut offs in Central Hudson, for example, if you have life sustaining equipment in your home. But this structure also puts the administrative burden onto those homes. If you’re struggling, if you’re in a difficult situation, you need to prove it. That’s the kind of accommodation you get with a for-profit system. 

Instead, our utility system should be designed around care. It should meet our needs without holding us hostage for having those needs. That’s what we’re fighting for at Mid-Hudson Energy Transition and why we proudly support the Hudson Valley Power Authority Act. When power is returned to the people, rather than given to for-profit corporations, real problems are solved, basic needs are met, and the lights stay on.   

If you are struggling with your utility bill, Contact Us

If you are interested in saving up to 20% on your utility bill every month, sign up for our Community Solar Program.

If this upsets you as much as it upsets us, join our newsletter. 

If you have questions or just need to talk through your situation, we’re always here. Contact us.

For help with navigating termination letters and submitting complaints to the PSC, check out this guide by Communities for Local Power: CLP Termination Letter Guide.