Should a government shutdown furlough occur, those who are furloughed may experience financial hardship due to delayed paychecks that will be paid retroactively. If you are affected and experience financial challenges, consider the following tips and resources outlined on this web page.

  • Call your mortgage and utility companies to inform them of the situation. They may grant leeway with payments.
    • Remember that failure to pay without contacting the company first could result in a negative impact to your credit score.
    • Some credit card issuers waive late fees for those impacted by a shutdown.
  • If your credit card company isn’t offering relief and you’re less than 30 days late, ask the issuer to please remove the late fee from your statement.
    • Once you’re more than 30 days late, the issuer can report your tardiness to the credit bureaus.
  • Call your credit card company and ask to speak with the hardship department. Explain your situation and ask if you can get help. You may be able to modify payments for a limited time.

Need Help? HRO Employee Benefits & Entitlements team is available and monitoring emails:

Employee Benefits & Entitlements Email

Quick Links

Defense Civilian Personnel Advisory Service – Shutdown Furlough FAQs
WING HRO Government Shutdown FAQs
115FW Furlough Resource Booklet – Air Specific Info & Info for All Branches & Affected Civilians
Office of Personnel Management Furlough Guidance

Benefits Guidance During a Government Shutdown Furlough for Title 32 & Title 5 National Guard Employees

Benefits Guidance During a Government Shutdown
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211 Wisconsin

211 Wisconsin connects you with thousands of nonprofit government services in your area for a variety of needs…food, clothing and utilities.

211 Wisconsin Website

EANGUS We Care for America Foundation

National Guard Relief Foundation that offers grants and loans for Service members (enlisted and officer).

EANGUS Website
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United Services Automobile Association (USAA)

USAA members can apply for a no-interest loan equivalent to one missed paycheck (up to $6,000) if employed by an impacted Federal agency.

USAA Website

PenFed

PenFed members may quality for an interest-free loan in the amount of their net pay (up to $6,000) through its government furlough Direct Deposit Assistance Program. PenFed also offers an emergency relief loan at the lowest available rate for a personal loan product.

PenFed Credit Union Website
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Wisconsin Soldier & Family Readiness (WSFR)

WSFR Specialists may have additional community resources or grant/loan opportunities and can be reached at 1-800-292-9464, option 1. WSFR Specialists are available to help Airmen, Soldiers and all Veterans.

WSFR Website

Military OneSource (MOS), Personal Financial Counselors (PFC) & Military Family Life Counselor (MFLC)

MOS, PFC and MFLC services will continue to provide career, financial and non-medical counseling as these services are paid by already funded contracts.

MFLC (Air): 608-215-3037
MFLC (Army): 352-801-2742

Air Force Aid Society & Army Emergency Relief

Available to T10 Soldiers & Airmen

The information provided on this web page does not constitute an endorsement by the Wisconsin National Guard. The information on this page is pulled directly from the following site: https://armyeitaas.sharepoint-mil.us/sites/NGWI-HRO/SitePages/Gov-Shutdown-Furlough-Guidance.aspx

This web site is the official Web site of the Wisconsin Department of Military Affairs provided as a public service by the Wisconsin Department of Military Affairs Public Affairs Office. For site management, information is collected for statistical purposes. This web site uses software programs to create summary statistics, which are used for such purposes as assessing what information is of most and least interest, determining technical design specifications, and identifying system performance or problem areas. For site security purposes and to ensure that this service remains available to all users, this web site employs software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage.