And most of the monthly installments for things like solar are basically scams. The more you see the solar salesmen at your door or camped out in the front of Home Depot the scammier they tend to be. But it sounds like you might agree.
I did get induction to replace a propane cooktop recently but that's only because I had to get a new range after a fire and induction probably made more sense than it did a few years back.
Get a loan from your friendly credit union on better terms. It requires having a clue though, and being able to organize contractors, and / or do things yourself.
Sounds exhausting. My electrical bill is about $100/month. Doesn't sound like it's worth a major project to decrease. Your mileage may differ of course.
Mine was north of $500 last month :( It starts looking like a battery + a DIY PV array installation just to power the air conditioning alone would pay for itself in one summer.
Of course, it depends where you live. I don't even have AC and don't have electric heat in the winter. So aside from, possibly, new construction, spending a lot of effort/money on PV/batteries/etc. doesn't make a lot of sense.
I did get induction to replace a propane cooktop recently but that's only because I had to get a new range after a fire and induction probably made more sense than it did a few years back.