800,000 of our neighbors are not getting paid for the hard work that they are doing during the government shutdown. This is no way to start the new year, especially after the holidays! At Too Cool Traffic School, we care about our patriotic families. Whether it’s a small business or a big corporation, people all across the United States are helping by coming together as one and offering great deals and freebies to our furloughed friends. In this blog, we compile a list of nationwide help that entails education providers, financial assistance, and wireless services. We also include food and entertainment deals in states where we provide our online courses.
2Cool Traffic School: Yours truly is providing all of our courses for FREE to say “Thank You” to our furloughed friends:
- Florida Basic Driver Improvement Course – FREE!
For Hillsborough county traffic citations or anyone in Florida who receives a letter from the State of Florida telling them to take this course.
- Florida Drug and Alcohol Course – FREE! One of the requirements to get a learner’s permit or driver’s license in Florida.
- Florida Learner’s Permit PRACTICE Exam – FREE! Unlimited practice test questions to help you prepare for the learner’s permit exam. (Unfortunately, the learner’s permit exam is not available for free through this promotion.)
- Florida Driver’s Handbook Course – FREE! Narrated course covering the Florida Driver’s Handbook to use as a study tool as you prepare for the Florida learner’s permit test.
- Ohio Abbreviated Adult Training Course – FREE! 1st time drivers in Ohio, 18+ years old that failed the road test
- Wisconsin Failure to Yield Course – FREE! For drivers who received a Failure to Yield traffic citation in Wisconsin.
- Tennessee Defensive Driving Course – FREE! For drivers who received a traffic citation in Tennessee who are given the option to attend traffic school by their county courthouse.
Rosetta Stone: The online foreign language education experts are offering a 3-month online subscriptions for free.
Ally Financial: The company is expanding benefits based on individual needs. Some of these benefits include: refunding transaction fees and non-sufficient funds fees, extending payment due dates and waiving CD early withdrawal penalties, expedited check fees, wire fees, and late charges. Click here to learn more.
Bank of America: The bank is offering assistance through their Client Assistance Program, which is designed to help those in financial hardship. The type of aid will depend on the individual’s situation but can include fee waivers, loan modifications and more.
Better Mortgage: The digital mortgage lender company has launched its Shutdown Relief Emergency Refi program to allow federal workers to “tap into their home equity for living expenses and delays loan payments for impacted federal government employees for up to 30 days after the furlough.”
Chase: The bank encourages its customers to call the special care line at 1-888-356-0023 in order to discuss certain hardship programs. “Chase will automatically waive or refund overdraft and monthly service fees on Chase checking and savings accounts if an employee’s salary from an affected federal agency was direct-deposited into the account in November, 2018.” Click here to learn more.
Citi: Citi spokesman Drew Benson said that its customers can get fee and interest adjustments. They may also be able to get short-term forbearance and repayment plans or loan modifications.
Congressional Federal Credit Union: The bank allows for federal workers to apply for the “Relief Line of Credit” program, which offers an interest-free rate over 60 days.
Discover: The bank is offering eligible customers to skip payments and reverse late fees and interest charges if a payment is missed due to the shutdown.
FedChoice: The company is offering many relief benefits to federal workers including: covering the initial deposit for new members, waiving withdrawal penalties, offering shutdown loan options, offering additional “Skip-a-Pays,” offering extensions on home equity loans and lines-of-credit, refinancing auto loans, providing access to a financial counselor, and more. Click here to learn more.
Federal Employee Education & Assistance Fund: “FEEA has small grants available to furloughed/excepted feds earning $55,000/year or less.” Click here to learn more.
Fifth-Third: The bank is willing to help those who have shutdown-related hardships related to loans or credit, including auto loans, credit cards and loans secured by real estate.
Marcus by Goldman Sachs: The company says that affected federal workers may be eligible for the loan deferment program that allows them to postpone payment for one month with no interest charges.
Navy Federal Credit Union: The military-based bank is offering government shutdown assistance with 0% APR loans up to $6,000. Click here for more information.
PayPal: The company is offering a one-time cash advance with 0% interest for a maximum of $500 (and minimum of $250) to existing or new customers affected by the shutdown.
SunTrust: “Because every situation is different, we ask that you contact us so we can work with you on a solution that fits your family’s needs.” Call 1 (800) 786-8787.
U.S. Bank: The bank is offering a loan of up to $6,000 with 0.01% APR to its qualifying customers, including those with mortgages, auto loans and credit cards.
Wells Fargo: “Fee reversals and waivers available to impacted Federal employees; $250,000 of support to United Way Worldwide for local communities.” Click here to learn more.
Wireless service providers:
The following wireless service providers are willing to work with federal workers to arrange flexible payment options to keep their services uninterrupted during the government shutdown:
- AT&T: (800) 331-0500
- Sprint: (888) 211-4727
- T-Mobile: (877) 746-0909
- Verizon: (866) 266-1445