Reports and Presentations

Overcoming the Barriers to Energy-Related Investments with an On-Bill Financing Program: A Primer for Municipal Utilities and Electric Cooperatives – Collaborative Efficiency, Michigan Saves and the Environmental and Energy Study Institute, 2015

Inclusive Financing webinar series – Southeast Energy Efficiency Alliance, 2017

Inclusive Financing for Efficiency and Renewable Energy – Institute for Local Self-Reliance, 2016

Digging Deeper for Energy Savings: A Look at Successful On-Bill Financing Program Designs – Johnson Consulting Group, Corn Belt Energy, Southeast Energy Efficiency Alliance, and Wisconsin Energy Efficiency Corporation, 2016

On-Bill Loan Program Implementation Guide – Holland Board of Public Works (Michigan), 2016

USDA Financial Resources for On-Bill Financing Energy Efficiency Programs – Appalachian Voices, Clean Energy Works and the Environmental and Energy Study Institute, 2016

Financing Energy Improvements on Utility Bills: Market Updates and Key Program Design Considerations for Policymakers and Administrators – State and Local Energy Efficiency Action Network (SEE Action) and Lawrence Berkeley National Laboratory, 2014  (Note: includes case study on the "Help My House" pilot)

On-Bill Financing: Cost-Free Energy Efficiency Improvements – National Conference of State Legislatures, 2014

Help My House Pilot Program Final Summary Report and Help My House Pilot Fact Sheet – Prepared for Central Electric Power Cooperative and The Electric Cooperatives of South Carolina, 2013

Utility On-Bill Financing: A Profile – National Rural Electric Cooperative Association (NRECA) Cooperative Research Network, 2013

Introduction to On-Bill Financing for Electric Cooperatives – CRN Center for Energy Innovation, 2012

On-Bill Financing: Exploring the Energy Efficiency Opportunities and Diversity of Approaches – ACEEE, 2012

Borrowing to Save Energy: An Assessment of Energy Efficiency Programs – Resources for the Future, 2012

On-Bill Financing for Energy Efficiency Improvements: A Review of Current Program Challenges, Opportunities, and Best Practices – ACEEE, 2011

Energy Efficiency Finance Options and Roles for Utilities – Southwest Energy Efficiency Project, 2011


Key Websites

Utility On-Bill Programs – Southeast Energy Efficiency Finance Network

Energy Efficiency and Conservation Loan Program Home Page – USDA Rural Utility Service

Guide to USDA’s Energy Efficiency and Conservation Loan Program – Appalachian Voices

Annual Residential Electricity Sales for All U.S. Electric Utilities – U.S. Energy Information Administration (see Table 6 for residential data by utility)


News Stories

"After first year, on-bill financing by Michigan utility enabling bigger efficiency upgrades"– Midwest Energy News 10/5/17)

"First Loans for Energy Savings Program" – America's Electric Cooperatives (5/13/17)

"The Ins and Outs of Providing Consumer Loans for Efficiency Upgrades"  – Rural Electric Magazine (7/20/16)

"The Rural Utilities Service: How the USDA is building a clean energy future for rural America" – Utility Dive (6/10/16)

"With federal help, rural co-ops tackling energy efficiency" – Southeast Energy News (6/3/16)

"Program aims to grow on-bill financing in Iowa and Minnesota" – Midwest Energy News (2/10/16)

"Sparking change: On-bill financing could make energy efficiency upgrades easier in Michigan" – Charles Stewart Mott Foundation (1/27/16)

"Utilities making efficiency upgrades easier with on-bill financing" – Midwest Energy News (11/2/15)

"USDA Finances First Energy Efficiency Program Loans in Arkansas and North Carolina" – USDA Press Release (10/23/14)

"Co-ops Get $35 Million for Efficiency, Jobs" – Electric Co-Op Today (10/6/14)

"How to be Part of RUS Efficiency Loan Program" – Electric Co-Op Today (2/23/14)

"USDA Launches Energy Efficiency Loan Program" – EESI Press Release (12/10/13)

"Help My House program a model on national level" – The Island Packet – Hilton Head, SC (8/4/13)

"Efficiency Is No-Brainer for Co-ops" – Electric Co-Op Today (7/31/13)

"Novel Program Shaves Electricity Bills By 34% In South Carolina" – Forbes (7/22/13)

"Co-ops Key in USDA Efficiency Plan" – Electric Co-Op Today (7/19/12)

"South Carolina rural energy efficiency effort goes national" – Associated Press, hosted by Myrtle Beach Online (7/17/12) 



In November 2014, USDA and DOE launched a six part webinar series about the Energy Efficiency and Conservation Loan Program. The archived version of each hour-long webinar is available to stream. If you do not have time for all six, we recommend webinars #3 and #5.

  1. Overview and Cost Effectiveness
  2. Evaluation, Monitoring, & Verification
  3. Residential Energy Efficiency Deep Dive, Part One
  4. Residential Energy Efficiency Deep Dive, Part Two
  5. On-Bill Financing
  6. Solar Program Overview

EESI held a Congressional briefing in July 2013 on the South Carolina "Help My House" pilot and pending federal legislation to create a national on-bill financing program:

In February 2012, Rep. James Clyburn (D-SC) and Nancy Sutley, chair of the White House Council on Environmental Quality, visited the home of Jordan Johnson, a participant in the pilot program. EESI Executive Director Carol Werner and the rest of the pilot leadership team were also present. This video features the group as they highlight the process, benefits and successes of the project: