- Financial Benefits & Banking Support
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Citibank – Government Travel Charge Card (GTCC)
• Customer service remains available.
• Online access: https://www.citimanager.com
• No interest or suspension during shutdown if account is in good standing. GPC will remain operational
Navy Federal Credit Union
• Zero-interest loans up to $6,000 for qualifying direct deposit members.
• More info: https://www.navyfederal.org
USAA
• Zero-interest loans up to $6,000 for qualifying members.
• Options for payment arrangements on insurance and loans.
• https://www.usaa.com
PenFed Credit Union
• Zero-interest Paycheck Protection Loan and additional support for members.
• https://www.penfed.org
Thrift Savings Plan (TSP)
• Financial hardship withdrawals available as long as SM has not taken a financial hardship withdraw in the last 6 months.
• Info & application: https://www.tsp.gov/bulletins/19-9/
MILITARY STAR Card
• 0% interest and no payments on commissary purchases from Oct 1–31.
• Details: https://www.MyECP.comNo federal endorsement implied.
- Military Aid Associations
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Army Emergency Relief (AER) – Fort Campbell
• Interest-free loans up to $6,000 (net pay).
• Immediate assistance up to $2,000 via Quick Assist Program through Commanders.
• Address: 5662 Screaming Eagle Blvd, Fort Campbell, KY 42223
• Phone: (270) 798-5529
• https://www.armyemergencyrelief.org
AER SUPPORT GUIDANCE – GOVERNMENT SHUTDOWN
AER will only process government shutdown-related applications after official confirmation that Soldiers will miss pay. Until then:
• Do not initiate shutdown applications.
• Continue routine AER requests for:
• Emergency travel
• Rent, lodging, food
• Vehicle costs, utilities
• Funeral expenses
• Childcare, PCS expenses
• And other approved categories
Navy-Marine Corps Relief Society
• Open and assisting families during shutdown.
• https://www.nmcrs.org
Air Force Aid Society (AFAS)
• Assistance for Airmen, Guardians, and families.
• https://www.afas.org
Coast Guard Mutual Assistance (CGMA)
• Zero-interest loans up to one month’s BAH for eligible personnel.
• https://www.cgmahq.org
- State & Federal Aid
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Federal Employee Education & Assistance Fund (FEEA)
- The Emergency Hardship Loan program does not cover pay loss during a government shutdown.
- The Shutdown Grant application will only become available should a shutdown persists beyond the point that federal employees miss all or part of a paycheck.
• Shutdown grants available if paychecks are missed.
• Info by state: https://feea.org/shutdown/#toggle-id-1
Unemployment Benefits
• May be available to civilian employees.
• Note: Repayment may be required after backpay.
• Learn more: https://www.usa.gov/unemployment-benefits - Fort Campbell Agencies & Services
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Child Development Centers (CDCs) & Youth Services
• Remain open per Commander guidance.
• Families will pay for services after the CR or budget passes.
• No late fees until 31 business days post-CR.
Family Child Care (FCC) & Community-Based Assistance
• No change in service or policy.
Youth Sports & Fitness/ Youth Programs
• Services will remain open and parents will be billed for the service but not required to pay until 30 days after CR. Standard CYS non-payment rules apply after 31 days.
AAFES PX & School Lunch Program
• Remain open.
• Lunch accounts may go negative—no penalties until after back pay.
• Apply for free/reduced lunch: https://linqconnect.com/main
Army Lodging – IHG Turner Guest House
• Payment plans available for arriving or PCSing Soldiers.
• Contact: Ariel Cherenfant, GM, (781) 606-2245
Military and Family Life Counseling (MFLC)
• Remains operational.
Employee Assistance Program (EAP)
• Confidential counseling for stress, family, work issues.
• Available to DA Civilians, retirees, and families. Contact ASAP for info.
Morale, Welfare, and Recreation (MWR)
• Services remain open.
• Visit: https://campbell.armymwr.com
• Social Media: @FortCampbellMWR
• Use: My Army Post App
Fort Campbell Red Cross
• Free hygiene products for Veterans, Civilians, Active Duty & Families.· provides $500 OCONUS Emergency Travel Assistance Grants to active-duty service members who are on emergency leave (based on the availability of funds
· Location: BLDG 43, 2nd Floor, Mon–Fri 0800–1600
· Phone: (270) 798-2171
Army Community Service (ACS)
• Limited staffing but key services available (Family Advocacy, AER, etc.)
• Call: (270) 798-9322 – POC: Kevin Smith - Local & Community Support
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• Liberty Chapel Food Pantry: (270) 798-6124 – 3111 Bastogne Ave
• Fort Care Food Distribution: (614) 374-5807 – Oct 23 @ 1300 Fryar Stadium- free boxes of food from local communitySoldiers can also reach out directly to Fort Care via Facebook to receive food.
• Armed Services YMCA: (270) 798-7422 – 207 Illinois Ave
• Food Pantry: (270) 956-1566 – 2304 Indiana Ave
• YAIPAK Outreach: (615) 559-8272 – Emergency needs - Additional National Programs
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Military OneSource
• 24/7 support: (800) 342-9647
• https://www.militaryonesource.mil
MilLife Support (Special Needs, Spouse, Transition Support)
• https://www.militaryonesource.mil/family-relationships/family-life/millife-guides
MyCAA (Spouse Education)
• No new assistance post-September 30 if shutdown occurs.
• Call SECO Career Center: (800) 342-9647
• Visit: https://mycaa.militaryonesource.mil
WIC – Clarksville Office
• (931) 551-8777 – 300 Pageant Ln, Clarksville, TN 37040
Operation Homefront
• Temporary financial assistance.
• Info: https://www.operationhomefront.org
USA Cares
• Emergency financial help for military-related hardship.
• Phone: (800) 773-0387
• Website: https://www.usacares.org
2-1-1 Help Line
• 24/7 local support connection for housing, food, and more.
• Dial 2-1-1 or visit: https://www.211.org
Low Income Home Energy Assistance Program (LIHEAP)
• Help with utility costs.
• Info and eligibility: https://www.acf.hhs.gov/ocs/energy-assistance
Feeding America
• Food distribution & SNAP assistance.
• Call: (800) 771-2303
• Website: https://www.feedingamerica.org
Supplemental Subsistence Allowance (FSSA)
• For service members OCONUS.
• Form DD 2857: https://www.esd.whs.mil/Directives/forms/dd2500_2999/DD2857/
Bottom Line: Soldiers will keep working. Pay may be delayed, but resources (AER + 0% bank loans) are in place to bridge the gap until back pay arrives.
Official Guidance
• Active duty Soldiers (including mobilized RC) continue to report for duty.
• Pay is obligated but may not be disbursed until appropriations resume (per Anti-Deficiency Act).
• Death gratuities remain payable under special statutory authority.
• Soldiers will receive back pay once funding is restored.
Options:
Army Emergency Relief (AER) – Online AER Application for Financial Assistance
AER’s support during the lapse of appropriations for Active-Duty Soldiers will consist of an interest free loan up to the amount of the SM’s mid-month net pay based on the most recent LES.
The availability of the “Government Shutdown Relief Loan” is pending until it is confirmed on 15 October, that the military did not receive pay. However, the SM can apply now, online ONLY. Funds will be disbursed on the 15 OCT. If a SM applied prior to 8 Oct 25, it must be resubmitted.
The terms of the Government Shutdown Relief Loan are as follows:
· ALL Government Shutdown Relief Loans will be processed online only.
· To apply for AER assistance, SM’s must create a profile on https://www.armyemergencyrelief.org/. Attachment with instructions included.
· All applications MUST be submitted online at https://www.armyemergencyrelief.org/ OR https://aerprod.powerappsportals.us/.
· THIS IS A LOAN ONLY. There will be no grants for Government Shutdown Relief.
· Repayment terms: Loan will be repaid in full in one payment once pay is restored.
· All applications require command concurrence through a signature from CDR or 1SG. Assumption of Command / Assumption of Responsibility documentation is required if acting. Concurrence will be through ARMS (AER) generated email.
· Documents required: ID card, LES, bank validation, orders (AGR/Title 10)
· Funds disbursed by Direct Deposit ONLY
Eligibility:
· Service Members pending separation are not eligible
· ETS dates within 60 days are not eligible
- Interest-free loan up to one net paycheck (max $6,000) if pay is missed.
- Repayment begins after back pay is received.
Bank & Credit Union Programs
- USAA: 0% interest loan up to one net paycheck (max $6,000); must have government direct deposit.
- Navy Federal Credit Union: 0% APR advance; auto-repays once pay resumes.
- PenFed / Andrews Federal Credit Union: Shutdown relief loans, skip-a-payment programs, penalty-free withdrawals.
No federal endorsement implied.
Immediate Actions for Soldiers / Leaders:
1. Check LES & direct deposit: Know your net pay to calculate eligibility.
2. Apply early with AER (via ACS or online).
3. Contact your bank/credit union for 0% paycheck advance programs.
4. Document financial hardship through chain of command if additional command support is needed.
