Financial Resources

Seattle City Light and Seattle Public Utilities

Unpaid federal workers can wait to pay city utility bills, Seattle mayor says,
by Daniel Demay, January 22, 2019, SEATTLEPI.COM /

American Financial Solutions (AFS)

AFS has put together a list of tips for assisting federal employees affected by the government shutdown.  Learn more here>

Washington Financial Institutions Assisting Federal Employees Affected by Government Shutdown

If your bank or credit union is not listed, that doesn’t mean they aren’t offering assistance.

Contact your bank or credit union right away to let them know you have been impacted by the shutdown.

American Bankers Association has a comprehensive list of some of the banks offering assistance.  Learn more>

Banner Bank
Banner Bank encourages its customers impacted by the government shutdown to call 800-272-9933 to speak to a representative. Learn more>

If you are a BECU member impacted by the government shutdown and would like more information, call 800-233-2328 to speak to a representative. Learn more>

Cashmere Valley Bank
Cashmere Valley Bank is offering a free payroll advance program for federal workers.  Learn more>

Chase encourages its customers who are employees of or do business with, a U.S. federal agency and whose income is affected by the shutdown call the special care line at 888-356-0023. Learn more>

Coast Guard Mutual Assistance (CGMA)
CGMA is providing financial lapse assistance to all Coast Guard Personnel, military, and civilian.  Learn more>

First Federal
First Federal is offering a Government Shutdown Assistance Program to eligible First Federal loan customers. Learn more>

Heritage Bank
Heritage Bank encourages customers who are in need of financial assistance to call their Customer Service Center at 800-455-6126, M-F 7:30 am to 6:00 pm and Sat 9:00 am to 1:00 pm, or visit your local branch.

Key Bank
Key Bank has a borrower’s assistance program in place to help customers encountering financial problems. This includes federal employees hurt by the shutdown.  Learn more>

Kitsap Bank
Kitsap Bank encourages customers who are facing hardship because of the government shutdown, to contact their local Kitsap Banker about options available.  Learn more>

North Coast Credit Union
North Coast Credit Union has a number of resources for their members affected by the government shutdown, but one of the most important actions they are encouraging members to do is to contact Member Service Contact Center at 1-800-696-8830 or come into a neighborhood branch to find out what resources and solutions will be most beneficial. Learn more>

O Bee Credit Union 
O Bee Credit Union is offering several options for members directly and indirectly affected by the Federal Government Shutdown.  Learn more>

Peninsula Credit Union
If you are a Peninsula Credit Union member impacted by the government shutdown and would like more information and services available,  call 800-426-1604 to speak to a representative. Learn more>

U.S. Bank
Customers are encouraged to contact US Bank’s designated federal government shutdown line at 877-760-6046 to learn more about their new quick loan product and other customer assistance programs that may be available, including mortgage relief options. Learn more>

Wells Fargo
Customers are encouraged to call 1-800-TO-WELLS or at the number on their credit card, debit card or statement.  Learn more>

Washington Federal
Washington Federal is offering Federal government employees, whether you’re currently a client or would like to be one help. Learn more about their Government Employee Quick Loan here>

Having a problem with a financial product or service?

Tell the Consumer Financial Protection Bureau about your issue—they will forward it to the company and work to get you a response, generally within 15 days.  Learn more>

Consumer Financial Protection Bureau (CFPB) Consumer Tools

Money Topics
Take control of your auto loan, Credit Cards, Credit Reports and Scores, Debt Collection, Money Transfers, Mortgages, Prepaid Cards and Student Loans.  Learn more>

Managing Your Finances

Participating banks, credit unions and nonprofit organizations offer financial education classes, on-on-one financial counseling and financial services. Learn more> is the U.S. government’s website dedicated to teaching all Americans the basics about financial education. Whether you are planning to buy a home, balancing a checkbook, or investing in a 401k, the resources on can help you do it better. Throughout the site, you will find important information from 20 federal agencies. Learn more> also has resources to help you with your household budget.  Learn more>


PowerPay will give you the tools to develop a personalized, self-directed debt elimination plan. Discover how quickly you can become debt free, and how much you can save in interest costs by following your debt reduction plan.  Learn more>

Commute Calculator

Curious to see how much your commute really costs?  King County Metro Online will help you run the numbers. Learn more>

Self-Sufficiency Calculator

The Self Sufficiency Calculator for Washington State site is sponsored by the Workforce Development Councils of Washington State and developed by the WDC of Seattle-King County.

The Calculator includes a variety of resources, including the Self Sufficiency Standard. The Self Sufficiency Standard measures how much income is needed for a family of a given composition – ranging from a one person household to a large family – in a given place, to adequately meet its basic needs without any public or private assistance. Learn more>

Your Credit Report

A good credit rating can help you get a loan more easily, get better interest rates, obtain an apartment and job, or pay less for deposits on utilities and auto insurance.

The first step is to find out what is in your credit report. There are three main credit reporting agencies: Experian, Equifax, and TransUnion. These agencies collect information about consumers’ credit and debt activities to share with lenders, creditors, landlords, and others who wish to evaluate your creditworthiness. You can receive one free copy of your credit report, from each of the three major reporting agencies, every 12 months at

Consider contacting a financial counselor to review your credit report with you.

Financial Counseling

  • American Financial Solutions
    Learn more>
  • Clearpoint Credit Counseling Solutions
    Learn more>
  • United Way Benefits Hub
    Online scheduling for appointments at 5 convenient locations. Schedule an appointment here>
    If you can’t find available times call 206-461-4536 or email  Learn more>
  • Clearpoint Credit Counseling Solutions
    Learn more>
  • El Centro de la Raza
    Call 206-957-4634 or email
    Learn more>
  • Hopelink Financial Capability Program
  • NW Access Fund – Financial Coaching for Individuals with Disabilities
    Call 206-328-5116
    Learn more>
  • Solid Ground – Financial Fitness Boot Camp
    Learn more>
  • Sound Outreach 
    Learn more>
  • YWCA Economic Resilience Initiative
    Learn more>
  • AFCPE (Association for Counseling and Planning Education)
    Find an AFC (Accredited Financial Counselor) in Washington here>
  • CFPB Tele-Coaching.  FREE professional financial tele-coaching is an initiative of the Consumer Financial Protection Bureau (CFPB) which is managed through a contract with the Armed Forces Services Corporation (AFSC). Financial coaching sessions are now available via phone as well as in-person.  To talk to a coach, call 1-844-90-GOALS.  

Financial Counseling for Veterans

Charles H. Woods Jr., CFPB Financial Coach
WorkSource Affiliate North Seattle
9600 College Way N., Seattle, WA 98103 or
Office:  206.934.6142 / Cell:  425.269.6444

Chris Lilley, CFPB Financial Coach
9881 Bridgeport Way SW, Lakewood WA 98499
Office: 253-777-0556 / Cell: 253-341-8134

Ask the Consumer Financial Protection Bureau – Information for service members.  Learn more>

Dealing with Debt Collectors

Any business collecting debts from Washington State residents must be licensed by the Washington State Department of Licensing (DOL). In addition, the Washington State Attorney General’s Office protects consumers from unlawful and abusive debt collection practices. A complaint can be filed by going to the Washington State Attorney General’s (AG) website,

If you feel you are overwhelmed with debt or being harassed by debt collectors, go to  At Washington LawHelp you will find general information, self-help packets and resources  to assist you with consumer and debt collection issues in Washington state.  Learn more>

Answering a Lawsuit for Debt Collection
DEBT COLLECTION LAWSUIT?  Washington LawHelp has a new interactive interview to assist individuals facing a debt collection lawsuit in Washington state. Answering a Lawsuit for Debt Collection allows you to create the paperwork you need to defend yourself and respond properly and on time. After you complete an online interview, the documents are created for you to print out, sign, file and serve.

This is one of several interactive “HotDocs” interviews available at Washington LawHelp, where you can also create court papers to Seal Juvenile Court Records and File for Divorce (if No Minor Children).

Buying & Owning a Car

Having a car can be an expensive proposition.  The Federal Trade Commission offers tips on buying vs. leasing, negotiating the best deal, financing, getting the most out of warranties and service contracts, using gas efficiently, and avoiding repossession. Learn more>

Ask the Consumer Financial Protection Bureau – Take control of your auto loan.  Learn more> 

Student Loans

Student Loan Survival Guide
To assist student loan borrowers in Washington, the Attorney General’s Office has compiled a Student Loan Survival Guide.  This guide provides information about student loans for students and their families. It provides tips and links to resources for all points in the process to help high school students thinking about attending college, former college students who aren’t able to keep up with their payments, and everyone in between.

 At Washington LawHelp you will find general information, self-help packets and resources for to assist you with student loans.  Learn more>

National Consumer Law Center: Student Loan Borrower Assistance Project is a resource for borrowers, their families, and advocates representing student loan borrowers. It provides information and resources for people who already have student loans and want to know more about their rights and options.  Learn more>

For problems with your federal student loan servicer or a debt collector contact the U.S. Department of Education’s Student Loan Ombudsman at 1-877-557-2575 or online, or file a complaint with the Consumer Financial Protection Bureau or the Attorney General’s Office.

United Way’s Benefits Hub offers online scheduling for financial counseling appointments at 5 convenient King County college locations.  Schedule an appointment here>

If you can’t find available times call (206) 461-4536 or email  Learn more>

What to Know About Credit Cards

Fees, charges, interest rates, and benefits vary widely among credit card issuers. It’s important to understand and think through what is in the “fine print” of their credit card agreements. Learn more>

What to Know About Payday Loans

A payday loan is a small, unsecured, high-interest, short-term, cash loan. In most cases, you write a post-dated, personal check for the advance amount, plus a fee. The lender holds the check for the loan period and then deposits it or the customer returns with cash to reclaim the check. In Washington State, the Department of Financial Institutions (DFI) licenses and regulates payday lenders and the payday loan industry. Learn more>