Deep, Dark Hole - No Hope in Sight

We have a serious issue I'm hoping for some help with.

We are seriously delinquent on our electric bill.  I've asked them for help but their only help is for us to pay $1500+ to get back on a payment plan, which isn't feasible with our current financial situation.

I've contacted Social Services and was denied based on my income.  I contacted our local 211 number and was given a couple of options (Catholic Charities, Salvation Army, etc) which I'm following up with but fear that I'll have the same issue.  I make a decent wage but have significant bills that don't allow me to save enough.

I've tried to apply for a personal loan but my credit is poor enough that I've been denied for every one I've applied for, online and at my local bank.

We have a mortgage but our balance is so high, we don't have any equity to borrow against.

I'm working 40+ hours and going to school at night.  My wife has serious medical issues and can't work.

Anyone with any thoughts or who has gone through this, I'd love to hear from you.

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