You must meet certain utility eligibility standards in order to take advantage of the Illinois Energy Efficiency Loan ("Utility Eligibility Standards"). These Utility Eligibility Standards must be met when you apply for the loan and when the loan is to be closed and the contractor is to be paid. These Utility Eligibility Standards vary by utility and may include any combination of the following: my utility account number must be valid; my utility account must be active and current; my utility account cannot be cutoff for non-payment, have a pending cutoff notice, or have been cutoff for non-payment within the last 12 months; my utility account cannot be under a deferred payment agreement or have a pending deferred payment agreement; all utility account holders must be named on the loan; all persons on the loan must be named on the utility bill; the borrower is the primary utility account holder.