Efforts are being made to help the millions of people who are expected to lose income because of the pandemic.

Tax day has been pushed back until July 15. Some homeowners can defer their mortgage payments. Federal student loan payments have been delayed interest-free for two months. Some foreclosures and evictions have been suspended. Utility shutoffs in some municipalities have been put on hold. And the government is floating the idea of sending all Americans a check. But these measures won’t stop all the pain.

What can you do if you know you are not going to be able to pay all your bills?