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A guide to surviving financially as the bills come due amid coronavirus pandemic

FILE - In this March 18, 2020 file photo, visitors to the Department of Labor are turned away at the door by personnel due to closures over coronavirus concerns. The coronavirus pandemic has already hurt many households financially. Americans have been hit with layoffs, furloughs and reduced hours across the country. Those who have not are still facing massive economic uncertainty. Experts say it's more important than ever to manage your budget, reach out to lenders and seek protections available to those hit by the economic impact of the virus. (AP Photo/John Minchillo, File)
FILE - In this March 18, 2020 file photo, visitors to the Department of Labor are turned away at the door by personnel due to closures over coronavirus concerns. The coronavirus pandemic has already hurt many households financially. Americans have been hit with layoffs, furloughs and reduced hours across the country. Those who have not are still facing massive economic uncertainty. Experts say it's more important than ever to manage your budget, reach out to lenders and seek protections available to those hit by the economic impact of the virus. (AP Photo/John Minchillo, File) FILE - In this March 18, 2020 file photo, visitors to the Department of Labor are turned away at the door by personnel due to closures over coronavirus concerns. The coronavirus pandemic has already hurt many households financially. Americans have been hit with layoffs, furloughs and reduced hours across the country. Those who have not are still facing massive economic uncertainty. Experts say it's more important than ever to manage your budget, reach out to lenders and seek protections available to those hit by the economic impact of the virus. (AP Photo/John Minchillo, File)

By SARAH SKIDMORE SELL / Associated Press Personal Finance Writer 5 min read

The coronavirus has dealt a financial blow to millions of Americans and now April’s bills are coming due.

The good news is there is help available. Reach out immediately to your mortgage lender, student loan servicer or utility provider to see what’s available. Other assistance, such as stimulus checks or unemployment benefits, will take more time. The bottom line is that you need to take action to seek certain forms of relief.

Here is help navigating the biggest issues:

HOUSING

Numerous mortgage lenders have said they are willing to work with distressed borrowers, including potentially suspending or reducing payments. Contact them immediately to find out about your options.