Federal financial regulators and the National Credit Union Administration issued a joint directive today urging lenders to work with borrowers hurt by the government shutdown.

Acknowledging the halt of federal paychecks may make it hard for some credit worthy borrowers to pay mortgages, student loans, car loans, credit cards and other debt on time, the agencies are asking the financial institutions they oversee to consider prudent workout arrangements

In addition to the NCUA, the regulators joining in the guidance included the Federal Reserve, the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation and the Consumer Financial Protection Bureau.