Help Courtney with an overdue electricity bill before winter

The electricity account is 3 months behind. Courtney received a disconnection notice that says service will be cut off on April unless $650 is paid. She had never been late before a reduction in hours. Courtney called the provider and asked about a payment plan, but they need a down payment of $115 first, which isn't available. The household includes an elderly mother, and going through winter without electricity isn't safe. We would also lose the ability to run the medical equipment at home. Courtney is working on getting back on her feet, and wants to pay it forward once steady. The money will go directly to the utility provider, and I'll post the paid statement here. Where the $650 goes: • Electricity arrears: $390 • Reconnection and late fees: $165 • Down payment on a payment plan: $95 Ask me anything below before you decide. I'd rather you were sure.