Public Service Electric and Gas (PSE&G) is New Jersey's largest utility, serving approximately 2.3 million electric and 1.9 million gas customers. New Jersey offers strong consumer protections including the Winter Termination Program and the Universal Service Fund.
PSE&G payment options
Standard payment arrangement
PSE&G offers installment plans for past-due balances. Call 800-436-7734 or set up online at pseg.com.
Back on Track program
PSE&G's Back on Track program is designed for income-eligible customers. It combines payment plans with potential debt forgiveness for customers who make consistent on-time payments over a set period.
Budget billing (Balanced Billing)
Averages annual costs across 12 equal monthly payments.
New Jersey protections
Winter Termination Program
The NJ Winter Termination Program runs from November 15 through March 15. During this period, qualifying residential customers are protected from disconnection of electric, gas, water, and sewer services.
Universal Service Fund (USF)
New Jersey's USF provides monthly credits to income-eligible utility customers, reducing their bills to an affordable percentage of income.
NJ SHARES
NJ SHARES provides one-time grants to help customers pay energy bills. Available to those who do not qualify for other assistance programs.
LIHEAP New Jersey
Federal LIHEAP assistance is available through local Community Action Agencies.
How to file a NJ BPU complaint
- Phone: 800-624-0241
- Online: nj.gov/bpu
- Include: Account number, timeline, representative names, and requested resolution
Quick action checklist
- Call PSE&G at 800-436-7734 for a payment arrangement
- Ask about Back on Track if income-eligible
- Apply for USF, NJ SHARES, and LIHEAP
- If PSE&G refuses, file a BPU complaint at 800-624-0241
Bottom line
New Jersey's Winter Termination Program, USF, and BPU complaint process give PSE&G customers strong protections. Use all available assistance programs and file the BPU complaint if PSE&G is not cooperating.
