A government shutdown is more than simply a political event, it impacts households and communities across the nation. For federal workers, contractors, and others, the sudden loss of income can feel overwhelming.  

You are not alone. And you are not without options. Here are some immediate steps provided by our partners at GreenPath Financial Wellness you can take to stabilize your finances and access support. 

1. Stay Informed and Connected

First things first—stay updated on the shutdown’s progress. Having information helps you plan and adjust. Government agencies and news outlets like the Associated Press, Reuters, or your local public radio station, provide real-time updates and alerts. 

2. Take Care of Yourself and Your Family

Shutdowns are stressful. Lean on friends, family, coworkers, and community groups. Talking about what you’re experiencing can ease stress and may connect you to resources you hadn’t considered. Make space for your physical and mental health by eating well, exercising, and stepping away from the news when it gets overwhelming. Your well-being is just as important as your budget. 

3. Know Your Back Pay Rights

All furloughed federal employees are guaranteed retroactive pay once the shutdown ends, under the Government Employee Fair Treatment Act of 2019. Contractors; however, are generally not covered by that law and may not be entitled to back pay.

4. Check Unemployment Eligibility

Furloughed federal employees may qualify for Unemployment Compensation for Federal Employees (UCFE), but rules vary by state (OPM.gov). Essential (excepted) employees required to work without pay are generally ineligible. Contractors typically do not qualify under UCFE. 

5. Talk to Creditors Before You Miss a Payment

Many financial institutions, mortgage lenders, and service providers offer hardship programs (fee waivers, temporary forbearance, deferrals), but these aren’t guaranteed so ask what’s available. If you have a loan with Sun East, make sure to look into our Skip-A-Pay program, which allows eligible members to take a break from their Sun East loan payment(s).

6. Prioritize Housing, Utilities, and Essentials

Pay for food, rent/mortgage, and other essential expenses before unsecured debts like credit cards. Keeping a roof over your head and lights on comes first. 

7. Look into Community Resources

Call 211 or visit 211.org to connect with food banks, housing support, or health services. 

8. Use Caution With Payday Loans or “Quick Cash” Options

These often come with high interest and fees, which can worsen your financial situation long term. Instead, check with your financial institution to see what options they may offer. 

9. Consider Short-Term Income Options

Depending on your situation, side jobs such as rideshare driving or tutoring may help temporarily, though they may not be feasible for everyone. 

Remember, You Don’t Have to Do This Alone.

  • Sun East Support: Give us a call at 610-485-2960 or visit your nearest branch. We’re here to provide guidance and resources to help you through this challenging time.
  • GreenPath Financial Wellness: Connect with NFCC- and HUD- certified financial counselors who can help you navigate your options and build a plan.
  • 211: Dial 211 or visit 211.org for food, housing, and utility support. 
  • Federal Employee Education & Assistance Fund (FEEA): Offers limited emergency hardship loans and grants for eligible federal employees (FEEA.org). 
  • State Health & Human Services: Visit your state’s HHS website for programs related to food, healthcare, and emergency assistance.