NJ SHARES offers emergency grants up to $700 with 48-hour turnaround if shut-off is imminent. My friend in Paterson applied Thursday, power back Friday. Need termination notice, UI award letter, and ID. Some agencies do same-day phone interviews. Crisis page with hotline: https://www.utilityassistance.org/nj/ – click “emergency” and select your county; they text approval codes to give the utility.