Civilian Employees

Who helps the helpers? We do. In major disasters such as hurricanes and typhoons and personal disasters like fires, the Coast Guard community can count on CGMA as a trusted and reliable resource. CGMA has loans and grants for a range of needs from evacuation, to replacing essentials and starting repairs.

Coast Guard Mutual Assistance (CGMA) partners with WIN to provide Coast Guard members inclusive family-building solutions and compassionate guidance from Nurse Care Advocates, helping you navigate your care while becoming a meaningful part of your support system no matter where your journey takes you.

For Coasties stationed around the world, personal emergencies can mean major travel expenses. When a family member is seriously ill or dies, CGMA can help with the cash for travel, food, and lodging.

One great way to make your family more financially resilient is to invest in your own education. CGMA’s Supplemental Education Grant (SEG) can help cover some of the costs of higher education that Coast Guard Tuition Assistance or similar programs might not. You can use this money for yourself, your spouse, or your dependent children […]

CGMA has a gift package to welcome every new Coastie baby. The CGMA backpack comes equipped with essentials such as onesies, burp cloths, and a CGMA sippy cup.

A new rental apartment or house requires first and last month’s rent and/or a security deposit. That means thousands of dollars you may not have saved, especially if you are moving from a lower cost-of-living area to a higher one. CGMA can help with an interest-free loan to ease the transition.

A Permanent Change of Station (PCS) move is full of challenges and unexpected expenses. One way CGMA helps is to assist with childcare costs during this busy time.

CGMA offers short-term help with food, shelter, utilities, and necessities in lots of unforeseen circumstances. Personal funds may have been lost or stolen or used for another emergency, a roommate may have left, or a spouse may be temporarily out of work.

Clients who can't afford major, unexpected car repairs can turn to CGMA.

Home repairs can be sudden, serious, and costly. A fire, burst pipe, roof failure, or other emergency can put your family in danger. If repairs are necessary and you don’t have the funds, CGMA can help with a loan. In extreme circumstances, CGMA will consider a larger loan or a partial grant.

When a loved one dies and the family faces a serious financial burden, CGMA can offer a loan to pay for a modest funeral.

The government issues thousands of paychecks, entitlements, and travel claims every day. Sometimes yours is the one that is stuck in red tape, system outages, processing delays, or unexplained problems. CGMA can loan you the cash you need until the government payment is complete.

We know how important home is to Coast Guard members who must find a new one so frequently. You’ve worked hard to find and qualify for a house. Now CGMA can help with the final piece: closing costs.

In the United States, one in eight couples has trouble getting pregnant or staying pregnant. CGMA supports members of the Coast Guard community with financial assistance to build their families. Assistance is available for clients wishing to engage in a recognized fertility treatment program or associated costs not covered by TRICARE.

Are you growing your family through adoption? CGMA can reimburse you for the cost of the home study.

CGMA can help you proceed with an adoption when finances are tight. Get an interest-free loan of up to $6,000 to cover adoption-related costs.

College costs are a challenge, whether for yourself, your spouse, or your children. CGMA members can borrow up to $6,000 for higher education expenses.

Many families struggle with federally mandated paperwork for special needs services. It can be even harder for Coast Guard families as they move so frequently. This grant offers reimbursement for costs of hiring a certified Education Advocate to help with the process.

When moving out of the continental U.S. (OCONUS), it can take some time to receive your privately owned vehicle (POV). In the meantime, CGMA will help with a loan of up to $1,000 to rent a car.

We know money worries can stand in the way of your career dreams. That’s why we offer an interest-free loan up to $4,500 for your CG COOL credentialing needs, covering essentials like training and exam fees. Through the CG Credentialing Opportunities On-Line (CG COOL) program, eligible members can access information on a wide range of […]

CGMA started helping to ship breastmilk in 2019. Since then, the government has been able to step in for Active Duty members. CGMA grants are still available to all other members and spouses.

Many families finance higher education through the Federal Stafford Loan or Federal Parent Loan for Undergraduate Students (PLUS). CGMA makes the process easier by offering a grant to reimburse you for the mandatory loan fee, which can be up to 4%.

When a child is stillborn, burial costs may not be covered by insurance or SGLI. CGMA is there to provide a grant of up to $1,500.

You can make a real difference in your financial situation through financial education and counseling. It works best if spouses attend together. CGMA makes it a little bit easier by providing for childcare.

Education and budgeting can make all the difference in your financial situation. If a member is unable to use financial counseling from Coast Guard sources, CGMA will pay for services from a member of the National Foundation for Credit Counseling (NFCC).

CGMA supports its members as they work on their financial resilience. The Debt Management Loan helps create the minimum financial condition to allow the client to live frugally while paying off debts responsibly.

Reliable child support is important to Coast Guard families. CGMA offers interest-free loans when a family doesn’t receive an expected payment or when a payer doesn’t have the funds to make the payment.

Childcare is one of the biggest expenses a family faces. CGMA can’t cover regular monthly costs, but interest-free loans are available for initial fees and for childcare during emergencies.

As baby boomers age, more Americans are facing the costs of elder care. CGMA is there as always, providing interest-free loans for costs like installing specialized equipment or moving an elderly and/or disabled family member.

It’s not easy being a Coast Guard spouse. It can be a challenge to find a new job in a new location, especially if there are state-specific certifications, credentials, or licenses involved. CGMA is here to help meet the requirements in your new state.

CGMA considers pets an essential part of the Coast Guard family. We’re here to help when pet expenses are overwhelming.

CGMA offers a loan to help ship your Privately Owned Vehicle (POV) during a Permanent Change of Station (PCS) move.

A Permanent Change of Station (PCS) should be an adventure not a headache. Help from CGMA is the smart move. For all the unexpected costs of a PCS move, get an interest-free loan from CGMA.

Most medical and dental care is covered by government benefits, but in some extraordinary cases you can be left with a hefty bill. CGMA is there to fill the gap.

In the event of a federal government shutdown, CGMA is ready to help the Coast Guard community. Coast Guard military and civilian employees can borrow up to the Basic Allowance for Housing (BAH) Assistance. If the shutdown continues, members can apply again once a month.