The Financial Readiness Program (FRP) promotes readiness by counseling and educating Soldiers and Families in all areas of consumer and financial topics and ensuring that emergency assistance is available when needed. The misson of FRP is to reduce indebtedness and requests for emergency financial assistance, and to prevent financial difficulties before they arise through classes on money management, credit, financial planning, insurance and consumer issues. We envision Soldiers and Families living within their means and providing for their financial future.


Financial Management Classes and Services

Community and Family Support Service, Army Community Service (ACS) provides classes in personal financial readiness and consumer affairs as well as personal financial counseling. These services are available to support commanders in maintaining unit financial readiness and to educate service members and families on financial self-sufficiency. Some services are offered on an individual basis.

Classes are held at the Army Community Service, Building 632, Wright Avenue.

These informative classes will teach you valuable lessons about:

  • Principles of Personal Finance
  • Planning & Budgeting
  • Credit Repair
  • Banking and Checking
  • Accounts
  • Using Credit Wisely
  • Insurance
  • Debt Liquidation
  • Identity Theft
  • Saving & Investing
  • Making Large Purchases
  • Home Buying
  • Newly Wed Financial Counseling
  • Consumer Scams and Getting help
  • Protecting Your Security Clearances
  • And much more...



Certified Financial Counselor

A Certified Financial Counselor is available for financial counseling, debt management and checkbook maintenance classes.

Emphasis is placed upon the training portion of the program designed to educate soldiers and spouses in:

  • Money management
  • Proper use of credit
  • Financial planning for deployment
  • Transition and relocation
  • Insurance
  • Check writing principles (in an attempt to prevent financial difficulties before they arise)


Individual counseling is by appointment





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 accomplished the same day. Most AER assistance is provided as a no-interest loan. Traditional assistance is provided to active and retired soldiers, their dependent family members, and widow(er)s. Under the Commanders Referral Program, the company commander or first sergeant may be the approving authority for assistance of $1,500 or less for active 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