The repayment is a line on your Xcel bill, so missing it works like missing the rest of the bill. CCEF says:
"If a payment is missed, your utility may initiate collections or even disconnect service following standard procedures."
Where a short payment goes
Pay less than the full bill and Xcel puts the money toward your electric service first: this month's charges, anything past due and other electric charges. Whatever's left goes to the repayment line. The tariff also says you "may be considered in default of both the financing obligation and the energy bill."
Why a shutoff is on the table
Xcel asked to treat an unpaid repayment like an unpaid electric bill, and the PUC agreed in Decision C25-0850. The Commission said the shutoff option mattered in the talks between Xcel and CCEF over below-market interest rates. It also said the loan loss reserve it approved may lessen the need for shutoffs, and pushed Xcel to work out a shutoff policy with CCEF that reflects that (paragraph 60).
If you're already behind
Call CCEF at (720) 263-2313 the day you know a payment will be short. The tariff says CCEF's servicer "has available payment arrangements for delinquent OBRP financed amounts, as subject to the discretion of the authorized servicer." For the electric part of the bill, call Xcel at the number on your bill.
Before you sign up
CCEF looks for no shutoff notices in the last 12 months and no late fees in the last 6. If you're unsure the payment fits next to your normal bill, call CCEF before you sign.