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The first step furloughed workers and those working without pay should take is to figure out their financial need, based on upcoming expenses, debt, savings and current family income.
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In addition to working with creditors directly, consider contacting a credit counseling agency to make a plan for the short term.
Once federal employees are back to work, they need to keep in mind that some of the special loan and payment arrangements that were made with lenders and other creditors might end.

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