When Morgan Steiner graduated from college last spring, she thought she was doing everything right. She landed a job before graduation, found an apartment near Pittston, and carefully budgeted for life on her own. At $1,000 a month, her rent wasn’t cheap, but it was manageable. She unplugged appliances when she left the house and kept the lights off whenever possible. Then her electric bills started climbing. What had been a doable $55 monthly b…