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		<title>How furloughed federal workers can get help paying bills amid government shutdown</title>
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		<pubDate>Fri, 24 Oct 2025 18:21:59 +0000</pubDate>
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					<description><![CDATA[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 [&#8230;]]]></description>
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<p class="EkqkG IGXmU nlgHS yuUao MvWXB TjIXL aGjvy ebVHC ">The federal government <a class="zZygg UbGlr iFzkS qdXbA WCDhQ DbOXS tqUtK GpWVU iJYzE " data-testid="prism-linkbase" href="https://www.goodmorningamerica.com/Politics/live-updates/government-shutdown-live-updates-126242587" target="_blank" dir="ltr">shutdown</a> has now reached its 24th day, making it the second-longest shutdown in U.S. history.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">Surpassing the three-week mark means that federal employees will <a class="zZygg UbGlr iFzkS qdXbA WCDhQ DbOXS tqUtK GpWVU iJYzE " data-testid="prism-linkbase" href="https://www.goodmorningamerica.com/news/story/trump-deny-back-pay-furloughed-government-employees-experts-126323652" target="_blank" dir="ltr">miss their first full paycheck on Friday,</a> leaving some wondering how to make ends meet until federal agencies are funded once again.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">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.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">The <a class="zZygg UbGlr iFzkS qdXbA WCDhQ DbOXS tqUtK GpWVU iJYzE " data-testid="prism-linkbase" href="https://www.congress.gov/bill/119th-congress/senate-bill/3012" target="_blank" dir="ltr">&#8220;Shutdown Fairness Act</a>&#8221; &#8212; put forward by Johnson &#8212; failed by a vote of 55-45, falling short of the necessary 60-vote threshold. <!-- --> </p>
<div class="oLzSq QrHMO fnRUo pvsTF EhJPu vPlOC zNYgW OsTsW RMeqy daRVX ISNQ sKyCY eRftA acPPc MENS nFwaT MCnQE mEeeY SmBjI xegrY rPLsU iulOd NIuqO zzscu lzDCc aHUBM IEgzD OjMNy eQqcx SVqKB GQmdz jaoD VWDdR ONJdw vrZxD OnRTz gbbfF roDbV GPGwb oMlSS gfNzt oJhud eXZcf zhVlX ">
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<div class="nMMea bNYiy Mjgpa dGwha DDmxa jgKNG RGHCC aBIU PriDW lZur " data-testid="prism-caption">
<p><span class="hsDdd OOSI GpQCA lZur VlFaz " data-testid="prism-truncate"><span><span class="gtOSm FbbUW tUtYa vOCwz EQwFq yCufu eEak Qmvg nyTIa SRXVc vzLa jgBfc WXDas CiUCW kqbG zrdEG txGfn ygKVe BbezD UOtxr CVfpq xijV soGRS XgdC sEIlf daWqJ ">The Capitol is seen at nightfall on day 22 of a government shutdown in Washington, Oct. 22, 2025.</span></span></span></p>
<p><span class="gtOSm FbbUW tUtYa vOCwz EQwFq yCufu eEak Qmvg nyTIa SRXVc vzLa jgBfc WXDas CiUCW kqbG zrdEG txGfn ygKVe BbezD UOtxr CVfpq xijV soGRS XgdC sEIlf daWqJ YNujN JGtjI aZFDu rkKLh ">J. Scott Applewhite/AP</span></p>
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<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">Johnson, meanwhile, objected to unanimous consent requests from both Van Hollen and Peters to advance their legislation.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">Read on for a complete guide on all the assistance available for furloughed federal workers.</p>
<h2 class="RxNCg ykkUm PvZ nIjPJ PMXYp LmsHF SfAHY mNgye lNbol LBPRq rBLIK ">What does it mean to be furloughed?<!-- --> </h2>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">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 <a class="zZygg UbGlr iFzkS qdXbA WCDhQ DbOXS tqUtK GpWVU iJYzE " data-testid="prism-linkbase" href="https://www.opm.gov/policy-data-oversight/pay-leave/reference-materials/guidance-for-shutdown-furloughs-sep-28-2025/?" target="_blank" dir="ltr">U.S. Office of Personnel Management</a>. Due to the lack of appropriated funding, all non-essential activities are put on pause during this time and some employees are placed on &#8220;nonduty, nonpay&#8221; leave status.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">&#8220;Excepted&#8221; employees, or those deemed &#8220;essential,&#8221; are expected to continue working during the shutdown without pay, according to OPM.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">&#8220;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,&#8221; the agency states.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">Approximately 750,000 federal employees have been furloughed during the current government shutdown.</p>
<h2 class="RxNCg ykkUm PvZ nIjPJ PMXYp LmsHF SfAHY mNgye lNbol LBPRq rBLIK ">Will furloughed workers get backpay?</h2>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">Generally, all employees furloughed during a government shutdown are paid at the conclusion of the shutdown. In a <a class="zZygg UbGlr iFzkS qdXbA WCDhQ DbOXS tqUtK GpWVU iJYzE " data-testid="prism-linkbase" href="https://www.cbo.gov/system/files/2025-09/61773-Government-Shutdown.pdf" target="_blank" dir="ltr">letter last month</a> 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.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">Earlier this month, President Donald Trump indicated a possibility that the federal government may<!-- --> <a class="zZygg UbGlr iFzkS qdXbA WCDhQ DbOXS tqUtK GpWVU iJYzE " data-testid="prism-linkbase" href="https://abcnews.go.com/Politics/senate-majority-leader-thune-furloughed-federal-workers-back/story?id=126345323" target="_blank" dir="ltr">deny</a> <!-- -->back pay to some employees furloughed amid the<!-- --> <a class="zZygg UbGlr iFzkS qdXbA WCDhQ DbOXS tqUtK GpWVU iJYzE " data-testid="prism-linkbase" href="https://abcnews.go.com/Politics/live-updates/government-shutdown-live-updates/?id=126242587" target="_blank" dir="ltr">shutdown</a>.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">When asked earlier this month if government workers would receive back pay, Trump<!-- --> <a class="zZygg UbGlr iFzkS qdXbA WCDhQ DbOXS tqUtK GpWVU iJYzE " data-testid="prism-linkbase" href="https://abcnews.go.com/Politics/live-updates/government-shutdown-live-updates/?id=126242587&amp;entryId=126298137&amp;userab=news_search_page_design_unification-429*variant_b_search_redesign-1787" target="_blank" dir="ltr">told</a> <!-- -->reporters, &#8220;It depends who we&#8217;re talking about.&#8221;</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">&#8220;There are some people that don&#8217;t deserve to be taken care of, and we&#8217;ll take care of them in a different way,&#8221; Trump added.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">Within hours, members of Congress from both major parties<!-- --> <a class="zZygg UbGlr iFzkS qdXbA WCDhQ DbOXS tqUtK GpWVU iJYzE " data-testid="prism-linkbase" href="https://abcnews.go.com/Politics/live-updates/government-shutdown-live-updates/?id=126242587&amp;entryId=126308946&amp;userab=news_search_page_design_unification-429*variant_b_search_redesign-1787" target="_blank" dir="ltr">said</a> <!-- -->they supported back pay for furloughed workers.</p>
<h2 class="RxNCg ykkUm PvZ nIjPJ PMXYp LmsHF SfAHY mNgye lNbol LBPRq rBLIK ">What types of furlough assistance programs exist for affected federal employees?</h2>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">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.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">At the beginning of the shutdown, Maryland Gov. Wes Moore announced a number of <a class="zZygg UbGlr iFzkS qdXbA WCDhQ DbOXS tqUtK GpWVU iJYzE " data-testid="prism-linkbase" href="https://response.maryland.gov/federalpublicservants/shutdown" target="_blank" dir="ltr">housing protections</a> available to furloughed federal employees <a class="zZygg UbGlr iFzkS qdXbA WCDhQ DbOXS tqUtK GpWVU iJYzE " data-testid="prism-linkbase" href="https://response.maryland.gov/federalpublicservants/housing-resources" target="_blank" dir="ltr">including</a> mortgage support, energy assistance, eviction resources and more.</p>
<div class="oLzSq QrHMO fnRUo pvsTF EhJPu vPlOC zNYgW OsTsW RMeqy daRVX ISNQ sKyCY eRftA acPPc MENS nFwaT MCnQE mEeeY SmBjI xegrY rPLsU iulOd NIuqO zzscu lzDCc aHUBM IEgzD OjMNy eQqcx SVqKB GQmdz jaoD VWDdR ONJdw vrZxD OnRTz gbbfF roDbV GPGwb oMlSS gfNzt oJhud eXZcf zhVlX ">
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<div class="FvQLF iLTd NqeUA UzzHi iWsMV "><picture <picture="" data-testid="prism-picture" class="lazyload"><source media="(max-width: 414px)" data-srcset="https://i.abcnewsfe.com/a/07878226-5cf6-4503-9fb0-5f237b236b0f/governemnt-shutdown-ap-jef-251015_1760551589046_hpEmbed_3x2.jpg?w=375, https://i.abcnewsfe.com/a/07878226-5cf6-4503-9fb0-5f237b236b0f/governemnt-shutdown-ap-jef-251015_1760551589046_hpEmbed_3x2.jpg?w=750 2x"><source media="(min-width: 415px)" data-srcset="https://i.abcnewsfe.com/a/07878226-5cf6-4503-9fb0-5f237b236b0f/governemnt-shutdown-ap-jef-251015_1760551589046_hpEmbed_3x2.jpg?w=750, https://i.abcnewsfe.com/a/07878226-5cf6-4503-9fb0-5f237b236b0f/governemnt-shutdown-ap-jef-251015_1760551589046_hpEmbed_3x2.jpg?w=1500 2x"><img decoding="async" alt="" class="hsDdd NDJZt sJeUN IJwXl vBqtr KrDt itslR SjwtZ hakZw HlUVI " data-testid="prism-image" draggable="false" loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" data-src="https://i.abcnewsfe.com/a/07878226-5cf6-4503-9fb0-5f237b236b0f/governemnt-shutdown-ap-jef-251015_1760551589046_hpEmbed_3x2.jpg"></picture></div>
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<div class="nMMea bNYiy Mjgpa dGwha DDmxa jgKNG RGHCC aBIU PriDW lZur " data-testid="prism-caption">
<p><span class="hsDdd OOSI GpQCA lZur VlFaz " data-testid="prism-truncate"><span><span class="gtOSm FbbUW tUtYa vOCwz EQwFq yCufu eEak Qmvg nyTIa SRXVc vzLa jgBfc WXDas CiUCW kqbG zrdEG txGfn ygKVe BbezD UOtxr CVfpq xijV soGRS XgdC sEIlf daWqJ ">A sign that reads &#8220;Closed due to federal government shutdown,&#8221; is seen outside of the National Gallery of Art in Washington, Oct. 6, 2025.</span></span></span></p>
<p><span class="gtOSm FbbUW tUtYa vOCwz EQwFq yCufu eEak Qmvg nyTIa SRXVc vzLa jgBfc WXDas CiUCW kqbG zrdEG txGfn ygKVe BbezD UOtxr CVfpq xijV soGRS XgdC sEIlf daWqJ YNujN JGtjI aZFDu rkKLh ">Jose Luis Magana/AP</span></p>
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<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">Arlington County, Virginia &#8212; 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&#8217;s <a class="zZygg UbGlr iFzkS qdXbA WCDhQ DbOXS tqUtK GpWVU iJYzE " data-testid="prism-linkbase" href="https://www.arlingtonva.us/Government/Topics/Federal-Employee-Assistance" target="_blank" dir="ltr">website</a> &#8212; 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.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">The county has cautioned landlords against eviction during the shutdown, stating on its federal employee assistance website that &#8220;landlords and rental property owners [should] exercise flexibility to not displace or adversely affect households during this difficult period.&#8221;</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">Other states across the country are offering unemployment insurance programs that may be helpful in keeping furloughed workers afloat until the shutdown has ended.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">Furloughed workers can check the <a class="zZygg UbGlr iFzkS qdXbA WCDhQ DbOXS tqUtK GpWVU iJYzE " data-testid="prism-linkbase" href="https://www.careeronestop.org/LocalHelp/UnemploymentBenefits/find-unemployment-benefits.aspx" target="_blank" dir="ltr">CareerOneStop website</a>, which is sponsored by the U.S. Department of Labor&#8217;s Employment and Training Administration, to better understand their unemployment funding opportunities amid the shutdown.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">Other groups are also working to help furloughed federal employees.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">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.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">&#8220;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,&#8221; the organization <a class="zZygg UbGlr iFzkS qdXbA WCDhQ DbOXS tqUtK GpWVU iJYzE " data-testid="prism-linkbase" href="https://www.feedingamerica.org/about-us/press-room/feeding-america-statement-government-shutdown-oct-2025" target="_blank" dir="ltr">wrote on its website.</a></p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy "><a class="zZygg UbGlr iFzkS qdXbA WCDhQ DbOXS tqUtK GpWVU iJYzE " data-testid="prism-linkbase" href="https://myfedbenefitshelp.com/shutdown-assistance-map/" target="_blank" dir="ltr">My Fed Benefits</a>, 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.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">AFL-CIO, the country&#8217;s largest federation of unions, has compiled a complete state-by-state list of benefits for federal workers <a class="zZygg UbGlr iFzkS qdXbA WCDhQ DbOXS tqUtK GpWVU iJYzE " data-testid="prism-linkbase" href="https://aflcio.org/about-us/programs/shutdown-resources-25" target="_blank" dir="ltr">here.</a></p>
<h2 class="RxNCg ykkUm PvZ nIjPJ PMXYp LmsHF SfAHY mNgye lNbol LBPRq rBLIK ">Are any furlough assistance loans available to affected federal employees?</h2>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">Several financial institutions across the country are offering furlough assistance loans specifically designed to assist federal workers affected by the ongoing government shutdown.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy "><a class="zZygg UbGlr iFzkS qdXbA WCDhQ DbOXS tqUtK GpWVU iJYzE " data-testid="prism-linkbase" href="https://www.navyfederal.org/about/government-shutdown.html" target="_blank" dir="ltr">Navy Federal Credit Union</a> has set up a loan program offering a 0% APR loan during the shutdown for members who are federal workers affected by the shutdown.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy "><a class="zZygg UbGlr iFzkS qdXbA WCDhQ DbOXS tqUtK GpWVU iJYzE " data-testid="prism-linkbase" href="https://www.usaa.com/support/government-shutdown-program/?akredirect=true" target="_blank" dir="ltr">USAA is also offering</a> 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.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">Those with a <a class="zZygg UbGlr iFzkS qdXbA WCDhQ DbOXS tqUtK GpWVU iJYzE " data-testid="prism-linkbase" href="https://www.tsp.gov/news-and-resources/lapse-in-appropriations/" target="_blank" dir="ltr">Thrift Savings Plan</a> &#8212; a retirement plan for federal employees and members of the uniformed services &#8212; 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.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">&#8220;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,&#8221; the TSP website states.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy ">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&#8217;s Bureau of Consumer Protection offer tips for protecting yourself<!-- --> <a class="zZygg UbGlr iFzkS qdXbA WCDhQ DbOXS tqUtK GpWVU iJYzE " data-testid="prism-linkbase" href="https://www.fdic.gov/consumer-resource-center/2021-10/avoiding-scams-and-scammers" target="_blank" dir="ltr">here</a> <!-- -->and<!-- --> <a class="zZygg UbGlr iFzkS qdXbA WCDhQ DbOXS tqUtK GpWVU iJYzE " data-testid="prism-linkbase" href="https://consumer.ftc.gov/articles/how-recognize-avoid-phishing-scams" target="_blank" dir="ltr">here</a>.</p>
<p class="EkqkG IGXmU nlgHS yuUao lqtkC eTIW sUzSN "><em class=" ">ABC News&#8217; </em><em class=" ">Allison Pecorin contributed to this story.</em></p>
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<br /><a href="https://abcnews.go.com/GMA/Living/furloughed-federal-workers-paying-bills-amid-government-shutdown/story?id=126800061">Source link </a></p>
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