If any one up north is trapped in the "fuel oil or propane 4 heat" racquet. Get a pellet burner, even if you have to take out a loan (from an actual bank not a payday loan place).
If you actually take the money you save on fuel oil or propane and put it towards the loan you will likely pay it off after one full winter and less than one year of finance charges at a normal interest rate isn't squat.
I hate to say it but even putting it on a credit card would be a good idea.
Right now in just about every part of the country, fuel oil and propane are the #1 and #2 most expensive ways to heat your home.
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