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Financial Readiness & Assistance

Financial Readiness & Assistance

 

The Financial Readiness Program offers counseling and training for Soldiers and their families and ensures emergency assistance is available when needed. The misson of FRP is to reduce indebtedness, minimize the need for emergency financial assistance and prevent financial difficulties. Services include classes on money management, credit, financial planning, insurance and consumer issues. We help Soldiers and Army Families live within their means and provide for a brighter financial future.

Consumer and Financial Education

Classes are offered on a wide variety of topics and may be taught at ACS, units or other locations. Classes are provided weekly: First Termers’ Personal Financial Readiness Training, required for E4 and below; Pre-Move Financial Planning, required for E4 and below but open to anyone interested: Refresher Checking Account Maintenance, open every Monday at 9:30am. Classes cover a variety of consumer and financial issues. Schedule a class for your unit, FRG or organization at least two weeks in advance.

Financial Counseling/Debt Liquidation

Individual assistance is available to improve financial situations for Soldiers and their families. Debt liquidation assistance may be available. Free financial counseling, contract review and budget development are available. When debt liquidation is necessary, we, or one of our partner organizations, will work with your creditors to reduce interest rates and payment amounts to develop an affordable repayment plan. The first step is to attend the Financial Counseling Intake, held every Monday at 8:15am (with the exception of training and federal holidays) in Building 7. Once you have all necessary financial information, you will schedule an appointment with a counselor.

Army Emergency Relief

Provides no-interest loans and grants to assist with emergency situations. Also provides emergency food vouchers when AER assistance for food cannot be provided.  Most AER assistance is provided as a no-interest loan. Traditional assistance is provided to active and retired Soldiers, dependent Family Members, widows and widowers. Under the Commanders Referral Program, the company commander or first sergeant may be the approving authority for assistance of up to $1,500 for active duty Soldiers (loan only; other requirements may apply). If you are not near an Army installation, you can go to any service’s relief society or to the local chapter of the American Red Cross. AER provides scholarships for spouses of active Soldiers and for dependent children of active, retired and deceased Soldiers. Scholarship applications are available at www.aerhq.org. 

Consumer Complaint Resolution Assistance

Counselors are available by appointment to assist in resolving consumer issues with businesses. Financial counselors work with Soldiers, family members and the business in question to resolve the issue. Complaints are coordinated through the Better Business Bureau, Federal Trade Commission, and the Consumer Financial Protection Bureau. When a pattern of discriminatory or unscrupulous business practices is identified, the matter is raised to the Armed Forces Disciplinary Control Board, which may recommend a business be put off-limits to Soldiers.

 Financial Readiness Classes

Home Buying Seminar:  Learn about the actual costs of home ownership and the basics of home buying (Veteran’s Administration representative on site).

Identity Theft-An Epidemic:  Learn how to protect yourself against ID theft and what to do if you are ever the victim.

Smart Car Buying:  Learn everything you need to know about buying a car to include 3 steps to Smart Car Buying, New versus Used, Financing, Car Insurance and more!

Understanding Credit Reporting:  Everything you should know about credit reporting to include the role of credit, establishing good credit, what goes into a credit score, disputing errors and rebuilding credit.

Budgeting for Baby: Learn how to budget for your new arrival, ways to manage your debts and save money (list of available resources provided such as WIC).

Christmas in August: Includes information, tools & ideas necessary to develop a holiday spending plan. Also offers tips & techniques for lowering costs. Grab your lunch and join us for a Free class!

Checking Account Maintenance: Every Monday from 9:15-10:30am (except training and official holidays) Focuses on the skills needed to responsibly manage checking accounts, including the importance of keeping an accurate transaction register and bank statement reconciliation.

Budgeting: Every Monday from 8:15-9:30am (except training and official holidays) Offers guidance in developing a personal spending plan, including saving for emergencies, periodic expenses & goals (wants) while meeting needs & paying debt obligations.

Participants must register for each class.  Check out our calendar of events for class dates. Location will be provided at the time of registration. To register, call 706-545-7517.

Resources and Forms

Hours & Contact Information

Address Building 7, Baltzell Avenue (view on map)
Phone 706-545-7517
Hours Monday-Friday: 8am-4:30pm, please call to schedule an appointment
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