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Federal Employee Fund no interest loans.

Civilian employees of the government can get help from the Federal Employee and Education Assistance Fund. The non-profit offers a number of programs, including interest free loans, to those that are facing a crisis or a financial difficulty in their life. All applicants need to work for the federal government as full time workers in some type of civilian capacity, and this also includes postal workers. The term of service must be greater than one year for a FEEA loan.

The agency operates nationwide. They offer a few of their own assistance programs to clients and FEEA also partners with other government agencies, non-profits, unions, and employee membership organizations. They work together to offer resources to qualified employees of the federal government. Note that seasonal, temporary or contract employees are not eligible for the program.

Uses of the money from Federal Employee and Education Assistance Fund

Emergency, short term loans may be the service that is in highest demand from them. The funds from the Federal Employee and Education Assistance organization can be used for satisfying a number of basic needs. Families have used the no interest rate loans to pay their rent or on a new home. Other common uses of the money is for a mortgage payment, to pay a utility bill to prevent a disconnection or for funeral expenses.

The money should be used for those facing a onetime crisis or unexpected emergency. Examples can be death or illness in the family, the applicant was impacted by a disaster such as a flood, victim of domestic violence who needs safe housing. While the amount offered will vary, in general it will be several hundred dollars with a maximum of $1200.

Many families are often hit by a onetime crisis. Maybe a spouse loses a job, there is a medical condition, or an unexpected divorce due to domestic violence. Various issues may lead to an emergency, and these can lead to missed rent or car payments or a utility disconnection. In these instances, the FEEA Emergency Assistance Loan Program provides help. The non-profit may offer either confidential cash grants or no-interest loans to federal employees or postal workers.





For those that qualify, the loans are issued by Federal Employee and Education Assistance to help pay for basic living expenses and needed items. There are some conditions that need to be met and the money can only be used for an approved list of needs. This includes shelter, mortgage payments or utilities. Payments are made directly to landlord, banks, or creditors.

Some of the common requests to FEEA occur for these type of hardships. They may seek a loan to pay the bills when faced with the death in the employee's immediate family, loss of income due to severe illness, family breakup, separation, or unexpected issues such as a fire or natural disaster.

Terms of zero percent interest loans

The funds do need to be repaid. So the applicant will need to pay back FEEA through a recurring, weekly or monthly payroll allotment. While the length and terms of that schedule will vary, but regardless, the loans will be repaid a little at a time, each and every month. Clients normally get 10 months at most to repay the funds, with money withdrawn from each paycheck over that period of time.

Normally, the largest dollar amount paid out from the no-interest loan will be $1200 to the qualified government employ that has been working for more than one year. As noted, this is not for seasonal or temporary employees. The checks are made payable directly to the specific creditor or company the government employee is behind in paying. The no interest loans are repaid to Federal Employee and Education through payroll allotment administered by the particular department payroll service, such as Postal Ease, Employee Express, ADP, My Pay, NFC or others.

If other bills need to be paid, or if not qualified for this for of government financial assistance, then there are also no cost loans that are available from other sources. This will generally be a charity, non-profit, or similar group. The funds issued by those organizations can also be used by federal government employees for paying critical living expenses or other bills, such as educational costs. Note these are not federal loans, but rather funds from other sources. More details on loans for free.




Additional FEEA grant, loan, and scholarship programs

One of the more limited services available is a Scholarship Competition. This is very small in scope, and is only for a couple hundred people per year. The scholarships may be available not only to college-age children, but also to postal and other federal employees, regardless of their age or background. The amount paid out will also range widely, but is generally capped at $5000.

It is a merit-based program. So applicants need to prove the need for it as well as compete with other applicants to show their worth. The FEEA can be applied to an individual’s college costs, thereby reducing the amount of any loans that the student may need to take out for those educational expenses.

In order to apply, they need to have worked for the government for a few years. They need to be in school full time, or a combination of being employed and in college. Certain grade point averages and other goals need to be met and maintained as well from students. The child needs to be under the age of 25, and the parent needs to be a federal government employee or postal worker.

For those faced with a natural disaster, in those cases a grant may be issued. This will be for paying expenses while insurance claims or other assistance requests to agencies are being processed.

The Natural Disaster Grants are offered on a case by case basis. Extensive documentation of the damage or hardship needs to be proven. This may include things such as FEMA Disaster Application, insurance claim forms, service/repair estimates or more. While the goal is to provide these individuals with a grant that doesn’t need to be repaid, in some circumstances only a no interest loan is available. So that may be offered to the individual. Thousands of grants have been paid out by the Federal Employee and Education Assistance Fund over the years.





The FEEA Child Care Subsidy Program is offered in partnership with dozens of federal government agencies. the program is run by the FEEA Childcare Services, Inc, which is a partner organization of the FEEFA. The program may be able to help their income qualified employees pay for their child care costs. So it is a form of subsidy. If qualified, your agency will pay a significant portion of your total day care bill on your behalf. There are dozens of different grant programs for child care costs that are run by FEEA and FCCS.

The Federal Employee and Education Assistance Fund is administered from their main office in Lakewood Colorado. More information can be found here,, and use it for more details or information.


By Jon McNamara

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