Scorecard Research Beacon
Search Icon
Living October 24, 2025

How furloughed federal workers can get help paying bills amid government shutdown

WATCH: 'It's tough': Federal employee on financial challenges of the government shutdown

The federal government shutdown has now reached its 24th day, making it the second-longest shutdown in U.S. history.

Surpassing the three-week mark means that federal employees will miss their first full paycheck on Friday, leaving some wondering how to make ends meet until federal agencies are funded once again.

The Senate on Thursday failed to advance legislation from Democratic Sens. Chris Van Hollen of Maryland and Sen. Gary Peters of Michigan and Republican Sen. Ron Johnson of Wisconsin that would have provided pay to some federal workers during the shutdown.

The "Shutdown Fairness Act" -- put forward by Johnson -- failed by a vote of 55-45, falling short of the necessary 60-vote threshold.  

Johnson, meanwhile, objected to unanimous consent requests from both Van Hollen and Peters to advance their legislation.

Read on for a complete guide on all the assistance available for furloughed federal workers.

What does it mean to be furloughed? 

When a employee of a government agency is furloughed during a shutdown, it typically means the agency employing the worker has experienced a lapse in appropriations and no longer has the necessary funds to operate, according to the U.S. Office of Personnel Management. Due to the lack of appropriated funding, all non-essential activities are put on pause during this time and some employees are placed on "nonduty, nonpay" leave status.

"Excepted" employees, or those deemed "essential," are expected to continue working during the shutdown without pay, according to OPM.

"After the lapse in appropriations has ended, employees who were required to perform excepted work during the lapse will receive retroactive pay for those work periods," the agency states.

Approximately 750,000 federal employees have been furloughed during the current government shutdown.

Will furloughed workers get backpay?

Generally, all employees furloughed during a government shutdown are paid at the conclusion of the shutdown. In a letter last month detailing the potential effects of a shutdown, the Congressional Budget Office estimated the backpay of all federal workers could total around $400 million for each day of the shutdown.

Earlier this month, President Donald Trump indicated a possibility that the federal government may deny back pay to some employees furloughed amid the shutdown.

When asked earlier this month if government workers would receive back pay, Trump told reporters, "It depends who we're talking about."

"There are some people that don't deserve to be taken care of, and we'll take care of them in a different way," Trump added.

Within hours, members of Congress from both major parties said they supported back pay for furloughed workers.

What types of furlough assistance programs exist for affected federal employees?

Yes, states that have a significant population of federal employees, like Maryland, Virginia and New York, have set up assistance programs to help federal employees pay for things like housing and food.

At the beginning of the shutdown, Maryland Gov. Wes Moore announced a number of housing protections available to furloughed federal employees including mortgage support, energy assistance, eviction resources and more.

Arlington County, Virginia -- which is located just across the Potomac River from Washington, D.C., and is home to around 25,000 federal employees, according to the county's website -- is offering furloughed workers a swath of critical resources, including job placement services, health care and food assistance, housing resources and even assistance for their pets.

The county has cautioned landlords against eviction during the shutdown, stating on its federal employee assistance website that "landlords and rental property owners [should] exercise flexibility to not displace or adversely affect households during this difficult period."

Other states across the country are offering unemployment insurance programs that may be helpful in keeping furloughed workers afloat until the shutdown has ended.

Furloughed workers can check the CareerOneStop website, which is sponsored by the U.S. Department of Labor's Employment and Training Administration, to better understand their unemployment funding opportunities amid the shutdown.

Other groups are also working to help furloughed federal employees.

Feeding America, a nonprofit network of 200 food banks across the country, has pledged to feed workers affected by the shutdown, but warned about the strain it will place on food banks.

"A prolonged shutdown will deepen the strain, and more families will seek help at a time when food banks are already stretched due to sustained high need," the organization wrote on its website.

My Fed Benefits, which is not sponsored by the federal government or any of its agencies, has compiled a map listing eateries in several American cities that are supporting federal workers with food.

AFL-CIO, the country's largest federation of unions, has compiled a complete state-by-state list of benefits for federal workers here.

Are any furlough assistance loans available to affected federal employees?

Several financial institutions across the country are offering furlough assistance loans specifically designed to assist federal workers affected by the ongoing government shutdown.

Navy Federal Credit Union has set up a loan program offering a 0% APR loan during the shutdown for members who are federal workers affected by the shutdown.

USAA is also offering a 0% APR loan program up to the amount of your pay from $500 to $6,000. Eligibility criteria include owning an account with USAA and a direct-deposited government paycheck.

Those with a Thrift Savings Plan -- a retirement plan for federal employees and members of the uniformed services -- who have borrowed money from their account in the form of a TSP loan will remain in good standing, even without payments, throughout the duration of the shutdown, according to the Federal Retirement Thrift Investment Board, the independent agency that administers the program.

"If you have a TSP loan and are an active participant (not separated from federal service or in a nonpay status for another reason), we will automatically update your status to keep your loan in good standing, even if we do not receive repayments during the shutdown," the TSP website states.

Furloughed employees should be vigilant when applying for assistance to avoid becoming victims of scams or fraud. The Federal Deposit Insurance Corp., or FDIC, and the Federal Trade Commission's Bureau of Consumer Protection offer tips for protecting yourself here and here.

ABC News' Allison Pecorin contributed to this story.