You can save a lot of money if you are currently a NSTAR Gas/Electric customer who has a past due balance of $300.00 or more. First you need to qualify for NSTAR’s discounted rate, most MassHealth recipients are eligible. Call 1-866-533-7267 to find out if you qualify. Once you qualify and have a past due balance of at least $300.00 you call 1-866-315-2496 to find out about enrolling in their past due balance forgiveness program (AFP Program). NSTAR will take the average of your past 12 months bills and enroll you onto a monthly payment program where you will pay your average bill each month. They will forgive $100.00-$200.00 of your past due balance each month you pay your designated monthly amount.