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Financial Readiness Program


Want to take charge of your finances? The Army's Financial Readiness Program (FRP) and Consumer Advocacy Services can help with comprehensive educational and counseling programs. Learn about debt, consumer advocacy and protection, money management, credit, financial planning, insurance, and consumer issues. Through classroom training and individual counseling, participants can learn how to save and invest money, establish savings goals, eliminate debt, and save for emergencies.


We offer:

  • Financial Readiness Program (FRP). FRP provides comprehensive educational and counseling programs in personal financial readiness. The program covers indebtedness, consumer advocacy and protection, money management, credit, financial planning, insurance, and consumer issues. Other services offered include mandatory financial literacy, financial planning for transitioning Soldiers, financial counseling for deployed Soldiers and their Families, and the Department of Defense Family Subsistence Supplemental Allowance Program.
  • Army Emergency Relief (AER). AER is the US Army's own nonprofit organization dedicated to alleviating financial distress in the force. AER provides grants and zero-interest loans to active-duty and retired Soldiers and their Families. AER has supported over 4 million Soldiers since 1942. AER offices are conveniently located at installations around the world. Visit to learn more.
  • Online Support and Education. Go to Financial Frontline for self-service financial literacy education and help.


Here are some other financial resources for Soldiers and their Families:

(Government Links)

  • Thrift Savings Plan (TSP). The TSP is a federal government-sponsored retirement savings and investment plan available to both federal civilian employees and members of the uniformed services. The TSP offers the same type of savings and tax benefits that many private corporations offer their employees under 401(k) plans. The retirement income a TSP account provides will depend on working-year contributions and the earnings on those contributions. Learn more at the official Thrift Savings Plan website.


(Non-Government Links, No Endorsement Implied)

  • Better Business Bureau (BBB) Military Line. The BBB Military Line provides free resources to our military communities in the areas of financial literacy and consumer protection through the efforts of 112 BBBs across the US. Visit the BBB Military Line to learn more.


Thrift Savings Plan Workshop - Early & Mid Career


Thrift Savings Plan Workshop - Retiring Within 10 Years

Basic Financial Education Program

Classes are provided to Soldiers, Civilians and their Family Members concerning money management and investing fundamentals. Family Readiness Training (FRT) includes understanding pay entitlements; understanding the Leave and Earnings Statement (LES), banking services and account management, spending plans, credit and debt management, as well as free credit report, scores, and analysis.

Unit/Organization Financial Readiness Training

Personal Financial Readiness Training at the unit/organization location will be provided as requested by leadership/directorate. Classes will be used as part of the Soldier/Civilian Unit/Organization training requirements. These presentations may be presented at the Soldier/Civilian unit/organization or at other appropriate locations. Leadership/Directorate may contact the FRP Manager to discuss, coordinate, and/or schedule these presentations.

Individual Financial Counseling

Individuals may request individual financial counseling or be referred by leadership. Soldiers, Civilians and their Family Members, and others desiring to discuss their financial concerns with a financial counselor may contact the FRP Manager to schedule an appointment.

Credit History (Reports) and Credit Scores (FICO)

The FRP will assist Soldiers, Civilians, and Family Members, and others to obtain and understand their individual credit report and credit score. Options and recommendations will be provided to help with adverse entries and increase credit scores.

Debt Liquidation Assistance

Assistance is provided to Soldiers, Civilians, and their Family members, and others with debt related to collections, bankruptcy or concerns about maintaining security clearances. 

The FRP Manager will provide assistance with consumer complaints by initially discussing the complaint to determine if the complaint is legitimate and viable. Additional assistance may be provided to assist Soldiers, Civilians, and their Family Members to resolve their complaint in a reasonable manner.

Emergency Food Assistance Program

The Emergency Food Assistance Program is a short-term food assistance program designed to provide military Families with resources for emergency food. Those requesting assistance will be required to complete a financial assessment form.

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