VPN, Virtual Private Network. It forms an encrypted tunnel to the access server. With that, you can for instance join your corporate network from your home. You'll have all the corporate (intranet) facilities reachable from your home computer, because the VPN extends the network to your home. Nobody on the internet can eavesdrop.
"talk to your landlord, creditors or bank about your financial situation to see if they can offer any leniency or a payment plan". just ask for extra time