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Behind on your bills? Struggling to make ends meet? Have you been impacted by COVID-19? Want to learn how to save energy and money?

On Track, a payment program provided by MLGW, may be able to help you. The program provides energy and financial information to customers in need of help. By joining the program and working together with MLGW staff, you can get back "On Track" with all your bills.

On Track is designed to help residential customers with limited incomes to manage debt and pay off their bills over a period of time. The program focuses on education, financial management and social services assistance.

On Track participants are eligible to receive:

•One-on-one assistance from an MLGW service advisor
•Information on budgeting and saving energy at home
•Deferred billing plans (DEFB) for up to three years
•Deposit credited back to the account after completion of program
•Social services referral

On Track participation is free, but to qualify for the program customers must have:

• A utility bill more than $600
• Only one active account
• Steady income not exceeding 200% of the federal poverty guidelines or steady income and impacted by COVID-19 pandemic
• Cannot have an MLGW Life Support payment plan

Customers who have previously enrolled in On Track, are also eligible to reapply during this period. The COVID-19 guidelines are temporary and are in effect until April 30, 2021.

Contact On Track at (901) 528-4820 or for more information or to receive an application via mail or apply to On Track electronically. 

Click here to download the On Track application.

For additional questions, email us at

To receive an application via mail, contact us at (901) 528-4820.