When Elon Musk and the Department of Government Efficiency took a chainsaw to the federal workforce this winter, the dust felt like it might never settle.

The administration said the initiative was designed to "streamline the Federal Government, eliminate unnecessary programs, and reduce bureaucratic inefficiency." Chaotic rollouts, weekend emails, contentious court battles, tech wunderkinds let loose, and muddled directives came to define the early months of the Trump administration's cost-cutting effort. Nobody knew what the next week might bring.

Now, as the initiative's six-month mark approaches — and a Supreme Court ruling allowed the stalled firings to proceed — many former federal workers have had time to reflect on what it all meant.

"It's always going to be part of who I am, regardless of what my jobs entail in the future," former National Oceanic and Atmospheric Administration employee Tom Di Liberto told Business Insider. "I'll always be known as that, as part of that group of people."

In a series of conversations with BI, six former government employees spoke about their career shifts, their advice to other workers, and what life is like outside the government.

Egan Reich, 45, Department of Labor

Reich joined the Department of Labor in 2010. He worked in a variety of roles, including director of media and editorial services.

During Trump's first term, Reich said, federal workers were largely left alone to do their jobs. When the president's second term came around, the energy across federal agencies was noticeably different: Reich said that press inquiries revolved around DOGE, HR, or IT, rather than grants, policy, or enforcement.

"For a couple months, as appointees trickled in and DOGE started to make itself known, it became a very strange, paranoid, alienating experience," Reich said. "It became clear they really wanted people gone."

He accepted the agency's second deferred resignation offer in April, which allowed employees to resign while receiving pay through the fall. "There was just no way I was going to make it through four years of this," he said.

Reich is now on the job hunt, finishing up a TV pilot with his brother, and spending more time with his daughter. He's casting a wide net when it comes to communications roles, and has applied for around 25 jobs, he said. He tries hard to ensure he's not falling into self-pity.

"I'm glad that I'm not there, but I'm anxious, right? I'm just knowing I need to pay the mortgage and find a job, and hopefully it will be one where I can still spend time with my daughter."

His day-to-day hasn't changed much: He wakes up and goes to bed at the same time, and school drop-off and pick-up remain the same. His disorientation stems from something a bit more existential.

"It's been a lot more of a change in my mind and ways of looking at the world than lifestyle. Something has definitely broken. It's a lot bigger than my job," he said.

Kira Carrigan, 36, Office of Personnel Management

Carrigan started at OPM in December 2024. She had a remote job as an HR specialist.

Carrigan has been unable to search for a new role because she's moving across the country for her husband's military job. Federal jobs are especially important for military spouses, since they typically offer more scheduling and work-from-home flexibility than the private sector.

She started working at OPM on December 16, and was fired less than two months later on a mass video call.

"I miss my job and the remote work ability to allow me continued employment through my military spouse relocation," Carrigan said.

Carrigan said she refused deferred resignation both times it was offered, and she's pursuing an appeal to the Merit Systems Protection Board in a last-ditch attempt to regain her federal employment.

"I do want to return, but I would have significant moral issues serving under this administration," she said. Barring a return to the federal government, she said, "I'm hoping to find something in my local city government or school district."

Rachel Brittin, 47, National Oceanic and Atmospheric Administration

Brittin started at NOAA in 2023. She coordinated with the agency's private and public sector stakeholders.

Brittin was first fired from NOAA on February 27, reinstated, and fired again on April 10.

"Losing my job at NOAA was more than a career setback — it was emotionally exhausting and deeply disorienting," Brittin said. "I poured myself into the mission, only to be abruptly cut out."

Getting fired as a probationary employee was a challenge; Brittin said she didn't have any chance to defend her record.

Brittin said she's applied to dozens of jobs, including in the private sector, and hopes to stay in communications at a mission-driven organization, but it's been hard to land anything with so many "highly qualified candidates" on the market.

Ideally, she'd stay at a science-based organization, but is open to other opportunities. Brittin sees her job in the federal workforce as an "asset," in part because she mastered in-demand skills: "Navigating complexity, staying mission-focused, working under pressure, adapting to change."

For now, she's "hanging on" financially, and her husband has a secure job that's keeping them afloat. She's tried to stay busy by taking online courses, volunteering to help friends and startups, and networking.

"Knowing others in the same boat as me has helped me feel not so alone," she said.

Tom Di Liberto, 40, National Oceanic and Atmospheric Administration

Di Liberto started at NOAA in 2023. He worked in public affairs and was a climate spokesperson.

After being fired as a probationary employee in February, Di Liberto said he was lucky to find work as a media director at a nonprofit climate organization. But getting there wasn't easy, and he knows many others are still grinding through the job hunt.

He said former federal workers should remember being fired doesn't reflect their worth and they shouldn't be afraid to discuss the reductions in force with potential employers.

"It was also a bit weird during the interview process when asked to describe yourself and why you want this job. I did not have plans of getting a new job," he said. He said he made sure to emphasize his primary mission is addressing climate change.

His job search began in February, and he started his new job in early June. He spent frugally and leaned on his wife's income to support their family. During those months, he cooked more and cut back on takeout; he also prioritized his mental health with walks and Legos.

The private sector has been an adjustment, he said. It's been odd, for example, to work with fewer people and be able to upgrade software quickly instead of over a few months. Di Liberto also estimated that the NGO jobs he was looking at paid between 20% and 40% less than his role at NOAA.

He's reminded of his past life living in DC, where he encounters others who were also let go from government jobs. Di Liberto's first grader recently brought up his father's job loss in school, where it led to a class-wide conversation, he said.

Jonathan Kamens, 55, US Digital Service

Kamens started at USDS in 2023. He was a software engineer and was detailed to a cybersecurity role at the Department of Veterans Affairs.

Kamens was fired from the US Digital Service — now the US DOGE Service — in February, and he landed a new job in March working remotely for a private-sector company based in Australia. He said that he's fortunate to be getting a paycheck, but the slashing of the federal workforce continues to weigh him down.

"In micro, I have a job, I'm getting paid to work, I can support my family. But in macro, the whole world is burning," Kamens said. He added that it's difficult to live his normal life "and continue to work in a system that in many ways is disintegrating around you."

He said that he's "minimally engaged" with other colleagues who left the federal workforce because it was taking a toll on his mental health. He said public servants who are still employed with the federal government face challenges under the continued influence of DOGE.

"There is a really strong normalcy bias happening," Kamens said. "In order for them to continue to function, they have to believe that this is just another administration and it will be fine after the midterms or 2028."

Nagela Nukuna, 30, US Digital Service

Nukuna started at USDS in 2022. She advised on and implemented domestic policy, working across agencies on funding, innovation, and automation projects.

Nukuna never saw herself working for a nonprofit. But that's where she landed after she was fired from the USDS on February 14.

"I ran through most of my savings to weather that time," Nukuna said. "Luckily I was able to get a job but I did have some financial hardship and strain over that time, especially because it was just unexpected."

Her government job paid a lot less than private sector positions she'd held before, so she was in the red since taking her job at USDS. Her spending didn't drastically change after getting fired, since it was already carefully calculated.

Nukuna began to look for jobs outside the government after the election. Some of her work at USDS was related to immigration, and she thought she might be impacted by future job cuts. She said she applied to 85 jobs, mainly in the tech and AI spaces, and "got a bajillion rejections" before landing her current role at an education nonprofit a month after her firing.

Generally, Nukuna tried to use her past government work to her advantage during the job search, and said some interviewers asked if she could work with people she disagreed with politically.

"Luckily, because I started earlier, I had some leads already and people that I've been talking to, and I just went on high drive once I got fired," she said. "There was a period where I was doing like five interviews a week and all day exercises."

She said she does mental health check-ins with friends who are still working for the federal government. Nukuna said she likely would have left her USDS role voluntarily due to the mental toll it was taking on her.

Although she had previously worked in the private sector, she chose the nonprofit route this time because she was "really drawn to the mission" and the people.

Trump's new proposal includes tax cuts, student loan reforms, and stricter rules for Medicaid and SNAP. Here's what the four biggest changes could mean for you.

• President Donald Trump's "Big Beautiful Bill" passed the House and is now headed to his desk.
• The tax and spending bill passed in a 218-214 vote on Thursday.
• Trump had urged GOP lawmakers to get the bill passed by July 4.

President Donald Trump's Big Beautiful Bill is one step closer to becoming law — and reshaping policy from Medicaid to taxes.

The House passed the massive spending bill on Thursday afternoon in a 218-214 vote.

Every Democrat voted against the bill, along with two Republicans: Reps. Thomas Massie of Kentucky and Brian Fitzpatrick of Pennsylvania.

The final passage came after House Minority Leader Hakeem Jeffries spoke for roughly eight hours and 45 minutes in opposition to the bill, breaking the record for the longest House floor speech in American history.

The bill now heads to Trump's desk for signing, which could happen as soon as Friday, July 4.

The bill underwent a number of changes since the House passed an initial version in May. That included the eventual removal of a provision aimed at preventing states from regulating AI for 10 years. The bill passed the upper chamber on Tuesday, with Vice President JD Vance casting the tie-breaking vote after three GOP senators opposed it.

The bill will have a sweeping impact on Americans' wallets and the country's fiscal health. In addition to extending the 2017 tax cuts, making cuts to Medicaid, and repealing student loan forgiveness, the bill is also expected to add trillions to the deficit over the next ten years.

In May, Moody's Analytics downgraded the US's credit rating, citing rising federal debt. This could lead to higher interest rates on mortgages, auto loans, and more down the road.

Republicans passed the bill despite vehement opposition from Elon Musk, the former face of DOGE.

Musk had criticized the bill's impact on the deficit and its phase-out of green energy tax credits, some of which benefit Tesla. That led to his epic feud with Trump, which remains ongoing to this day.

On Monday, Musk vowed to support primary challengers against any Republicans who supported the bill and said that if it passed, he would form a new political party, called the America Party.

Republicans have largely brushed all of that off.

"Similar threats have been made before, and I'm unsure if anything's come of those threats," Rep. Brian Jack of Georgia told BI on Wednesday.

• The "Big Beautiful Bill" is headed to President Donald Trump's desk.
• It includes a repeal of student loan forgiveness and an increased child tax credit.
• It also includes new "Trump accounts" and changes to Medicaid and SNAP.

From taxes to student loan forgiveness, provisions in President Donald Trump's "Big Beautiful Bill" will soon be impacting Americans' wallets.

On Thursday, the House passed the final version of the bill, which would extend the president's 2017 tax cuts and make key changes to the tax system, along with implementing significant changes to Medicaid and the Supplemental Nutrition Assistance Program.

Beyond the effects on Americans' wallets, the legislation provides roughly $150 billion to ramp up immigration enforcement.

The bill first passed the House in May before undergoing changes in the Senate, where it narrowly passed on Tuesday. Trump could sign the bill into law as soon as Friday, July 4.

The nonpartisan Congressional Budget Office said the bill would add at least $3.3 trillion to the US deficit. In May, Moody's Analytics downgraded the US's credit rating last week, citing rising federal debt. It said an extension of Trump's 2017 taxes could add $4 trillion to the deficit over the next decade. This could lead to higher interest rates on mortgages, auto loans, and more down the road.

Here are four other key ways the tax bill could affect Americans' finances.

A slew of tax policies

Many of Trump's campaign promises are included in the tax bill.

The legislation would eliminate taxes on tips and overtime wages. About two-thirds of tipped workers earn enough to owe federal income tax. After a final bill is signed, the Trump administration will release a list of qualifying occupations.

The Senate bill includes a $6,000 tax deduction for older people making less than $75,000 a year ($150,000 for couples). Seniors making above that threshold would see a decreasing deduction until hitting a cap of $175,000 ($250,000 for couples.) Lower-income seniors likely won't benefit from the deduction. The provision is how lawmakers are trying to fulfill Trump's promise to end taxes on Social Security payments. The deduction would run through 2028.

Another provision would permanently raise the child tax credit to $2,200. Additionally, it would eliminate electric vehicle tax credits after September. It also proposes ending tax credits for homeowners to install solar panels or energy-efficient heat pumps and incentives for new energy-efficient homes and home weatherization projects by the end of this year.

The bill would also make Trump's 2017 tax cuts permanent and increase the state and local tax deduction, known as SALT, from $10,000 to $40,000 in 2025, $40,400 in 2026, and increase an additional 1% every year through 2029 before reverting to $10,000 in 2030. Lifting the SALT cap allows wealthy taxpayers in states and cities with high taxes to claim a bigger federal deduction, and the cap is something some Republican lawmakers have sought to raise or eliminate.

Student loan forgiveness repealed

Under the Senate bill, millions of student loan borrowers would see their repayment options change. The legislation proposes eliminating existing income-driven repayment plans and replacing them with two options: the Repayment Assistance Plan and a standard repayment plan.

The Repayment Assistance Plan would allow for loan forgiveness after 360 qualifying payments based on the borrowers' income, while the standard repayment plan would require a fixed monthly payment over a period set by the servicer.

The bill also would repeal former President Joe Biden's SAVE plan, an income-driven repayment plan that promised cheaper monthly payments and a shorter timeline for debt relief. The plan is blocked in court pending a final legal decision.

'Trump accounts'

If the bill passes, parents could get extra money for their kids down the line. The tax bill includes a "Trump account," previously called a "money account for growth and advancement," or MAGA account. The government would put $1,000 into accounts for babies born after December 31, 2024, and before January 1, 2029. The baby would be required to have been born in the US and have a Social Security number to receive the cash. The money would need to be invested in a qualified index fund and can't be touched until the child turns 18. Parents and others could contribute up to $5,000 a year to each account.

The accounts would have tax incentives; earnings would be tax-deferred, meaning taxes on the accounts would not need to be paid right away. Withdrawals from the accounts would also be taxed at the long-term capital-gains rate, which is dependent on income and typically lower than the regular income tax rate.

Work requirements for Medicaid and SNAP

Lower-income Americans could face bigger healthcare costs or lose federal assistance benefits. The tax bill would mean significant changes for the millions who rely on Medicaid and SNAP. The legislation would mandate that states implement an 80-hour-a-month work requirement by the end of 2026 for childless adults on Medicaid without a disability.

The Congressional Budget Office previously estimated that work requirements on Medicaid could strip coverage from over 8 million Americans over the next decade.

Additionally, the bill would extend the age range of adults subject to work requirements to receive SNAP to include adults ages 55 to 64. Currently, adults ages 18 to 54 without children can receive SNAP benefits only if they work at least 20 hours a week.

• The Education Department confirmed to BI that it's pausing Social Security garnishment for defaulted student loans.
• The department said it plans to resume offsets "sometime this summer."
• It is also still planning to garnish wages for defaulted borrowers this summer.

President Donald Trump is pausing one of the harshest consequences for student-loan borrowers who default on their debt.

On Monday evening, the Department of Education confirmed to Business Insider that it would be pausing Social Security garnishment for defaulted student-loan borrowers after restarting collections on May 5.

"The Department has not offset any social security benefits since restarting collections on May 5, and has put a pause on any future social security offsets," Ellen Keast, an Education Department spokesperson, told BI.

"The Trump Administration is committed to protecting social security recipients who oftentimes rely on a fixed income," Keast continued. "In the coming weeks, the Department will begin proactive outreach to recipients about affordable loan repayment options and help them back into good standing."

A notice posted to the Department of Education's debt resolution page also said that the department is "delaying offsets of these monthly benefits for a couple of months and plans to resume sometime this summer."

The notice added that the department still intends to resume wage garnishment "later this summer."

This announcement comes after a five-year pause that Trump started during the pandemic, halting negative credit reporting and collections on defaulted student loans. Linda McMahon, Trump's education secretary, said that collections would resume once again in an effort to restore accountability to the student-loan system.

"Borrowing money and failing to pay it back isn't a victimless offense. Debt doesn't go away; it gets transferred to others," McMahon wrote in a May opinion piece.

A federal borrower typically enters default after missing payments for more than 270 days. Those who are in default can rehabilitate their loans or consolidate their loans — both of which can be time-consuming — or file for bankruptcy.

Over 5 million borrowers are currently in default. The New York Federal Reserve recently found that the number of borrowers who moved into serious delinquency surged to 8.04% in the first quarter of 2024, meaning that millions more could enter default this summer.

Some student-loan borrowers previously told BI that they cannot afford to lose their Social Security income if they default on their debt.

"There will be no retirement. I'll die on the job," James Southern, a 63-year-old borrower, said. "Even if I were at my full retirement age, they'd garnish the Social Security, so I'm still going to have to work in order to survive."

Are you in default, or concerned about defaulting on your student loans? Share your story with this reporter at [email protected].

• Republicans are trying to pass Trump's "One Big Beautiful Bill" in the coming weeks.
• It includes new tax cuts, changes to Medicaid, saving accounts for kids, and other provisions.
• Here's what you should know about the centerpiece of Trump's legislative agenda.

For months, President Donald Trump has pursued his sweeping agenda through executive actions. Now comes the hard part.

Republicans on Capitol Hill are finally putting pen to paper on what Trump has called the "One Big Beautiful Bill," a sweeping fiscal package that will serve as the centerpiece of the president's legislative agenda.

The bill includes GOP priorities like no taxes on tips or overtime, cuts to Medicaid, "MAGA accounts" for children and several other provisions.

It will take weeks for lawmakers in the House and Senate to work out the final details, and it's likely that some changes will be made along the way. Republicans hope to send the bill to Trump's desk by July 4.

Here's what you should know about what's in the "One Big Beautiful Bill."

The bill includes cuts to Medicaid, and millions could lose health coverage

As part of the plan approved by the House Energy and Commerce Committee, states would implement work requirements in 2029 for childless adults on Medicaid who do not have a disability, mandating they work for 80 hours a month.

A component of the plan would increase the price of doctors' visits, mandating beneficiaries making above the federal poverty limit to pay co-payments of up to $35. States would also be required to stop taxing hospitals and nursing homes in order to secure more federal funding.

Medicaid recipients in some states would have more paperwork to regularly confirm their residency status and income. And the plan would lower federal funding for some recipients in states that fund medical coverage for undocumented immigrants.

The Congress Budget Office estimated the legislation would save about $912 billion over the next decade in federal spending, about $715 billion of which would derive from Medicaid and Affordable Care Act cuts. The CBO said about 8.6 million people could lose their insurance coverage.

The plan came short of expectations among some ultraconservatives who wanted more Medicaid cuts at the federal level. Some GOP leaders wanted per-capita caps for those in Medicaid expansion states and a lower across-the-board rate at which the federal government supplements each state's funding for Medicaid programs.

Democrats have strongly opposed the bill, emphasizing that millions of Americans will potentially have their lives uprooted by Medicaid cuts.

No tax on tips or overtime, making Trump's 2017 tax cuts permanent, and more

Some of Trump's flashiest campaign promises were to remove taxes on tips, overtime, and Social Security. This bill largely gets those done, but only for the next four years — lawmakers will have to decide whether to renew the cuts in 2029.

The bill would allow workers in an "occupation that traditionally and customarily receives tips" to claim a tax deduction for the sum of all tips that they received in the previous year. It would also do the same for overtime wages. Neither deduction is available to anyone who is a "highly compensated employee."

To help accomplish Trump's "no taxes on Social Security" pledge, Republicans created a new $4,000 tax deduction for seniors making less than $75,000 per year. There's also a provision in the bill to fulfill Trump's promise of no taxes on car loan interest.

There's also an extension of the child tax credit, which is currently $2,000 but was set to decrease to $1,000 after this year. The bill would increase the credit to $2,500 through 2028, then it would drop to $2,000 permanently after that.

If you're thinking of buying an electric vehicle, you might want to do so before the end of the year. The bill would eliminate existing tax credits for new and used EVs, and it would impose an annual registration fee of $250 for EV owners.

The bill also makes permanent a slew of tax cuts that Trump and Republicans enacted in 2017. The average American won't feel much of a difference, since they've probably gotten used to the existing tax rates and brackets that have existed since 2018. But it's the most consequential part of the bill from a budgetary perspective, adding trillions to the deficit over the next several years.

MAGA savings accounts

The bill establishes "Money account for growth and advancement" accounts, or MAGA accounts, for children. The idea was originally proposed by Republican Sen. Ted Cruz of Texas.

The federal government would pay $1,000 to babies born from 2024 through 2028. After the cutoff, parents will still be able to put $5,000 per year into each account.

Cruz's proposal is similar to previous Democratic-led efforts for "baby bonds," but the biggest difference is that there is no income cutoff. Sen. Cory Booker of New Jersey, a Democrat, envisioned a program primarily targeted at low-income families.

A repeal of Biden's student loan forgiveness plans

If enacted, the reconciliation bill would mean major changes for student-loan borrowers. The legislation proposes terminating all existing income-driven student-loan repayment plans, including Biden's SAVE income-driven repayment plan, which would have shortened the timeline for debt relief and provided cheaper monthly payments. While SAVE is currently paused due to litigation, Trump and Republican lawmakers have said they would not carry out the plan if it survives in court.

Under the bill, borrowers would have two repayment plan options: one, called the Repayment Assistance Plan, would allow for loan forgiveness after 360 qualifying payments, and the other option would be a standard repayment plan with a fixed monthly payment over a fixed time period set by the servicer.

Payments made under the Repayment Assistance Plan would be calculated based on the borrower's income and would count toward Public Service Loan Forgiveness.

A 10-year ban on state-level AI laws

House lawmakers handed a major win to Big Techby including a 10-year federal preemption on all state artificial intelligence laws in the larger bill. Congress has talked about a federal AI policy, but no serious legislative proposals have emerged.

In the meantime, states have tried to fill to void. Major tech companies have long fought state-level AI regulations. Last year, California lawmakers passed the nation's most sweeping AI legislation only for Gov. Gavin Newsom to veto it.

Meta, OpenAI, and Anthropic lobbied against California's bill. Meta recently wrote to the White House that state laws "could impede innovation and investment."

The issue isn't going away. In the 2024 legislative session, lawmakers in at least 45 states introduced AI-related bills, according to the National Conference of State Legislatures.

Unlike most of the other provisions on this list, the AI regulation ban faces major hurdles to making it into law. Republicans must adhere to strict parliamentary rules to pass Trump's bill without facing a Democratic filibuster in the Senate. One rule is that all provisions must be primarily fiscal in nature, and many expect that the AI provision will fail that test.

A debt ceiling hike, the end of IRS Direct file, money for a border wall, and more

Avoiding default: Republicans would raise the debt limit by $4 trillion, staving off a potential default that could come later this summer. One way or another, Congress will have to address the debt issue soon. The federal government is expected to exhaust its borrowing ability sometime in August.

Billions for missile defense: Trump wants the US to have a futuristic missile defense system inspired by Israel's vaunted "Iron Dome" air defenses, but the US shield would include space-based components and focus on longer-range missile threats rather than the smaller weapons Israel faces. House Republicans have allocated roughly $25 billion for overall missile defense, most of which will go to the "Golden Dome" project.

700 more miles of Trump's border wall: Republicans proposed spending roughly $47 billion on border barriers, which will cover 701 miles of "primary wall," 900 miles of river barriers, and 629 miles of secondary barriers. Trump repeatedly fought in his first term to build a massive border wall between the US and Mexico but struggled to get funding through Congress.

A big tax increase on large university endowments: Republicans would significantly increase Trump's 2017 groundbreaking tax on colleges and universities with large endowments. Under the bill, the tax rate would be tied to the size of their endowment, adjusted by student enrollment.At the low end, the rate would remain at 1.4%. At the highest level, universities would pay 21% tax if they have an endowment of $2 million or more per student.

IRS direct file: The big beautiful bill would officially kill off the IRS's Direct File program, a Biden-era initiative that has long been a subject of Republican ire. In April, a Treasury Department official told BI that it was a failed and disappointing program. The new legislation would instead allocate funding towards studying a public-private partnership to provide free filing for a majority of taxpayers.