The federal government shutdown officially became the longest in U.S. history this week, and it’s hitting close to home for a growing number of Americans. Federal employees have now missed an estimated 1.7 million paychecks while SNAP beneficiaries around the country had their November food benefits delayed.

We’re now on day 36, and the longer it stretches on, the more ripple effects it has.

If you or a friend or family member are struggling, know that millions of others are in the same boat, and there is help available.

Here’s what you can do to weather the shutdown storm:

Ask your lenders and other creditors for help. Many banks, auto lenders, and utility companies are offering financial assistance and relief programs to furloughed federal workers, and whether you work for the government or not, let your creditors know if you’re experiencing a financial hardship.

•  If you have accounts with SoFi, here are the contact numbers by product. SoFi is committed to supporting its members during this difficult time.

•  Here’s an alphabetized list of banks who have publicized their relief efforts. Many are offering federal employees options like fee waivers, payment deadline extensions, and payroll advances, according to the American Bankers Association.

•  Tell everyone you’re struggling to pay, whether it’s your phone company, landlord, insurer, or local YMCA. This is a widespread crisis and many businesses want to help.

Tap local food resources. If your SNAP benefits have been interrupted or you can’t afford groceries without your paycheck, use this zip code locator to find local food banks or do a Google search for other options in your area. Some restaurants are offering free meals to those affected, and DoorDash announced it would waive delivery and service fees for 300,000 grocery orders from SNAP recipients.

Remember, this is what community resources are there for. You can pay it forward when you’re back on your feet.

Apply for a no-interest loan to tide you over until you get paid.

•  Financial institutions including USAA and certain credit unions are offering them to federal employees, federal contractors, and members of the military and their families. (Keep up with the latest announcements here.)

•  PayPal has also allocated $25 million to fund interest-free cash advances of up to $500.

Cut back wherever you can. This is the time to hunker down and cut out any non-essential spending, especially since it’s unclear how much longer the shutdown will last. Comb through your bank statements or budget app to see what expenses you can forgo. Pause any subscriptions and memberships you don’t have to have, and avoid eating out. And get creative with your survival budget: Whether it’s a haircut or a home repair, consider taking the DIY route. Every bit helps.

Related Reading

What the Government Shutdown Means For Your Finances (SoFi)

Government Shutdown Threatens 4 Federal Aid Programs (CBS)

How to Help SNAP Recipients as the Shutdown Drags On (CNN)

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