If we stop the financing garbage the cost gets a lot lower. I had a 5kw system installed 6 months ago. Cost $13000 before the tax credit. It covers 80% of my bill. My utility has a $25 minimum charge so there is no point in 100% coverage.

Most people need to look at reducing there electric load. First. They are building a system for electric usage that could be reduced in many ways.

Then you have finance which from what I see looking at r/Solar a lot basically doubles the cost.

Save up, get a loan from a credit union or start with a much smaller system and add on to it a few years later. Just avoid a PPA or solar loan. They are not in your favor you are trading one bill for another.

The best advice. Stay away from door knockers.