Emergency Hardship Loans.

Tragedy and hardship can strike any family. And when they do, high, unplanned, out-of-pocket expenses can lead a family down a destabilizing and difficult financial path, forcing them to seek high-interest loans, default on their debts, or even file for personal bankruptcy.

FEEA offers eligible federal employees confidential, no-interest loans to help them bridge their financial gaps in times of emergency. FEEA has given over 13,000 no-fee, no-interest loans since 1986, to help feds make ends meet during personal tragedies like illness, death of a loved one, or a house fire.

Please be sure to download and read the Loan Application Instructions before starting the online application. There are a number of documents you will need to collect and attach to your application. You will not be able to submit your application without attaching the required documents.

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Special thanks to the thousands of individual donors and BlueCross BlueShield and CareFirst BlueCross BlueShield for their support in expanding our loan program to more families in need.

Download the Complete Program Overview
Download the Loan Application Instructions
Apply for an Emergency Hardship Loan

ELIGIBLE HARDSHIPS

LOAN CEILING

INDIVIDUALS ELIGIBLE FOR LOANS

ELIGIBLE LOAN EXPENSES

Loan Ceiling: $1,500

Individuals Eligible for Loans:

Full or part-time permanent federal civilian or postal employees, employed with the federal government for more than one year.

Eligible Hardships:

In order to be eligible for a loan the federal employee must have suffered one of the following hardships within the six months preceding the loan application:

  • Severe illness, injury, or dental emergency of employee
  • Severe illness or injury of immediate family member
  • Death of employee’s immediate family member
  • Major loss/damage to primary residence due to disaster such as fire, flood, hurricane
  • Victim of domestic violence with immediate need for safe housing
  • Victim of violent crime
  • Victim of identity theft

Eligible Loan Expenses:

Approved loans will be disbursed by check, made out to the creditor and sent to the employee for delivery to the creditor. Please note FEEA will not pay student loans, credit card bills, or make checks out to employees directly. *Certain expenses must be paid directly by the employee with receipts provided and then FEEA will cover one of the other eligible expenses.

  • Rent or mortgage payments
  • Home utilities (gas, electric, phone)
  • Funeral expenses
  • Out-of-pocket, uncovered medical expenses
  • Emergency travel expenses*
  • Temporary lodging due to natural disaster

Special thanks to the thousands of individual donors and BlueCross BlueShield and CareFirst BlueCross BlueShield for their support in expanding our loan program to more families in need.

Please note our ability to give loans is subject to the availability of funding.
FEEA relies on donations by concerned individuals and institutions to support its work.