Why this matters
The last shutdown forced 60,000 TSA officers to work a month for $0, and 400+ have already quit. Two minutes now could be the runway that keeps you off that list.
60,000
Officers unpaid a full month
400+
Already quit this shutdown
$11B
Cost of the last record shutdown
Question 1 of 7
14%
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out of 100
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Your Next Moves
Ranked by where your gaps are biggest
Resources That Apply to You
Verified NYC-Area Programs — JFK · LGA · EWR
ℹThese are verified NYC-area resources (JFK / LaGuardia / Newark). We don't filter by ZIP yet — everything here applies across the NYC metro. Use the tabs to jump to what you need.
ℹThe FONA pathway and Congressional FCU are the most accessible if you have no current credit union relationship. Enroll now — before a shutdown — for fastest access.
Relief Line of Credit
Congressional Federal Credit Union
0% APR for a 60-day draw period, then 4% fixed for 36 months. Any federal worker qualifies via FONA membership (donate any amount at fona.org). Best option for workers with no existing credit union relationship.
AccessOpen to all via FONA ($1+)
Rate0% for 60 days, then 4%
Phone800-491-2328
Zero-Interest Loan
Navy Federal Credit Union — Paycheck Assistance
0% APR loan for existing members who are federal workers. One of the fastest approvals for current members. Enroll now if not yet a member — membership processing takes time.
AmountUp to $6,000
Rate0% APR
Phone888-842-6328
0% Loan — 90 Days
US Senate Federal Credit Union (USSFCU)
$5,000 relief loan, 0% interest for 90 days — interest waived entirely if repaid within 90 days. Warning: if not repaid in 90 days, accrued interest backdates at 5.99% APR. Any federal worker can join via American Consumer Council membership.
AmountUp to $5,000
Rate0% for 90 days
⚠ After 90 days5.99% APR backdates
Emergency Grant
FEEA — Federal Employee Education & Assistance Fund
One-time $150 emergency grant — not a loan, no repayment required. For employees earning $59,999 or less working unpaid. Small but instant with zero strings attached.
Amount$150 — free money
Income cap$59,999 or below
RepaymentNone — it's a grant
Interest-Free Loan
FedSupport Hub — Partnership for Public Service
Interest-free loans for federal employees affected by the shutdown. Run by the nonpartisan Partnership for Public Service. Accessible for workers without existing credit union membership.
AmountUp to $7,500
Rate0%
AccessAll federal employees
Retirement Fund
TSP Loan — Auto-Protected During Shutdown
Workers with a Thrift Savings Plan loan stay in good standing even without payments, and new TSP loans can still be requested. No credit check. Also a reason not to resign — you lose TSP contributions if you leave.
Existing loansAuto-protected
New loansStill available
Food Bank
Food Bank For New York City
NYC's largest food relief org with 750+ programs across all five boroughs. Federal workers experiencing income disruption qualify immediately. No documentation required at most pantries.
Phone866-888-8777
CostFree
National Network
Feeding America — ZIP-Code Food Bank Finder
Use the locator to find the nearest food bank to any NYC airport or to your home address instantly. No prior registration required.
CoverageAll NYC ZIP codes
CostFree
School Meals
NYC Free School Meals — Emergency Enrollment
Income disruption due to shutdown qualifies a household for free meals for children immediately. Contact the school district directly — one of the fastest, most overlooked resources.
EligibilityIncome disruption qualifies
ActionContact school directly
Airport On-Site
Airport Food Drives — JFK / EWR / LGA
Several U.S. airports have opened on-site food pantries for TSA workers. Contact the Port Authority of NY/NJ directly to advocate for this at NYC airports before the next shutdown.
StatusAdvocate now — pre-shutdown
⚠Act before receiving a notice. Many NYC protections require proactive outreach before an eviction or foreclosure is filed. Waiting significantly limits options.
Mortgage Relief
Fannie Mae & Freddie Mac — Forbearance
Both agencies have instructed servicers to offer forbearance and waive late fees for federal workers. Contact your servicer proactively before the payment is due — and reference the shutdown in writing.
TypeForbearance / deferral
ActionCall before due date
Emergency Rental Assistance
NYC Human Resources Administration (HRA)
NYC HRA offers emergency rental assistance for residents facing income disruption. Federal workers experiencing shutdown-related hardship may qualify. Contact before an eviction notice is filed.
Phone718-557-1399
ActionBefore eviction notice
Free Legal Help
Legal Services NYC (Eviction Defense)
Free legal representation for NYC residents facing eviction. If you've already received an eviction notice, this is the first call. Free, no income qualification required in many cases.
CostFree
Phone917-661-4500
Benefits Screener
Access NYC — 30+ Benefits in 5 Minutes
NYC's official tool screens eligibility for 30+ city and state benefits — cash, childcare, healthcare, housing and more. Available in 11 languages. Best first stop for anyone needing help.
Programs30+ benefits
Languages11
CostFree
Electric & Gas
Con Edison — Hardship Payment Arrangement
Con Edison offers extended payment arrangements and shutoff protections for customers facing financial hardship. Notify Con Ed of shutdown status in writing before a bill is overdue.
Phone800-752-6633
ActionCall before bill is due
Energy Assistance
HEAP — NY Home Energy Assistance Program
New York State heating and utility assistance program. Income disruption from the shutdown may qualify workers for emergency HEAP benefits. Apply through NY State OTDA.
Phone800-342-3009
Administered byNY State OTDA
Internet Access
NYC Connected — Free & Low-Cost Internet
NYC provides free and low-cost internet access for residents in financial hardship. Important for applying to assistance programs from home.
CostFree / low-cost
CoverageAll NYC residents
Credit Protection
CFPB — Credit Reporting Dispute Guidance
Federal workers can dispute negative credit marks from shutdown-related missed payments. File a complaint if a missed payment appears on a credit report. Act within 30 days of back pay arriving — timing is critical.
Phone855-411-2372
ActionFile dispute immediately
All-In-One Search
FindHelp.org — NYC Social Services by ZIP
The nation's largest social care network. Search by ZIP code for every available program near any NYC airport — food, housing, financial aid, childcare, healthcare. Free and anonymous.
CoverageZIP-code based
CostFree — anonymous
Full Toolkit
Member Resource Toolkit — Everything in One Place
The complete, fact-checked resource library: loans, food, housing, utilities, plus the Threat Tracker and FONA pathway. Bookmark it and share it with the officer next to you.
Includes20+ verified programs
Stay ahead of the next cliff
Get the update before the deadline does
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