The ongoing U.S. government shutdown since October 1, 2025, has intensified concerns about the economy, with over 1.4 million federal employees not receiving their paychecks and economic shrinkage occurring in 22 states. The Congressional Budget Office estimates that the losses from this shutdown will reach $7 billion to $14 billion. Meanwhile, Moody's Analytics points out that the auto loan default rate is rising, with 6.5% of subprime borrowers being over 60 days late, and methods such as pawn shop loans and Crowdfunding are also increasing. Fed Chairman Jerome Powell's hawkish stance suggests no further interest rate cuts, exacerbating fears of an economic recession. However, banks like the U.S. Automobile Association (USAA) and Navy Federal Credit Union are providing relief loans to affected employees.