Bilinear forms with Kloosterman sums and moments of twisted L-functions

We establish power-saving estimates for general bilinear forms with Kloosterman sums modulo arbitrary q, including when both variables are shorter than the Polya-Vinogradov range. As an application, we obtain power-saving asymptotics for the second moment of (holomorphic or Maass) modular L-functions twisted with Dirichlet characters to an arbitrary large admissible modulus q. The bounds obtained are independent of the Ramanujan-Petersson conjecture and remove all factorability conditions on q in the work of Blomer, Fouvry, Kowalski, Michel, Milicevic, and Sawin.