Updated: October 3rd @ 1:00pm

What Happened
On October 1, 2025 at 12:01 a.m. ET, the federal government officially shut down after Congress failed to pass a budget or continuing resolution.
This means:

• Federal civilian employees may be furloughed (not working or paid) or required to continue working without pay until funding is restored.
• Some government contractors may also be impacted if their work is tied to federal funding.
• Active-duty military personnel will continue to serve, but their pay could be delayed depending on how long the shutdown lasts.

Federal employees are entitled to back pay under the Government Employee Fair Treatment Act of 2019; however, the timing of when those funds will be received is uncertain.

Trax Relief Programs
We know members impacted may need immediate relief. To support them, Trax is offering the following to federal government employees and contractors:

Loan Extensions

• Available for members with existing Trax loans who cannot make payments due to hardship.

Shutdown Loan

• Proof of federal employment required (recent pay stub or direct deposit from September 2025)
• Loan amount is equal to one month’s pay, with a maximum loan amount of $5,000 
• 3.99% APR*
• 12-month term

Frequently Asked Questions
Q: Will I still get my Social Security check?
A: Yes. Social Security payments are continuing. Some services may be slower. You can confirm directly with the Social Security Administration.

Q: I’m a veteran — will my benefits stop?
A: No. Veterans’ benefits are continuing. You can confirm directly with the Department of Veterans Affairs.

Q: My spouse works for the federal government and isn’t being paid. Can I qualify for help?
A: Relief is primarily for members directly impacted. Household hardship may only be considered if the impacted person is part of a joint loan application.

Referral Resources
If you need additional information, please visit the sites below:

• Social Security Administration: www.ssa.gov 
• Office of Personnel Management: www.opm.gov
• Department of Veterans Affairs: www.va.gov
• SNAP / Food Assistance Program: www.fns.usda.gov/snap
• HUD/FHA/USDA Housing Programs: www.hud.gov

For any additional questions, please don't hesitate to contact us at 813-800-TRAX (8729).
 
*APR = Annual Percentage Rate