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Financial Readiness and AER Program

Sill-AER-Assistance-during-COVID-19.jpgCall ACS at +1 (580)442-4916 for a telephonic appointment. 



The Fort Sill Financial Readiness Program Offers financial education, budget counseling, and support services to assist Soldiers and their families.

Announcement: Fort Sill Army Emergency Relief has new scheduling system for clients AER Clients with emergency requests will be assisted on a walk in basis. AER Clients with non-emergency requests will we seen by appointment. All Soldiers E4 and below are required to be escorted by Supervisor.



To provide financial education and training to Soldiers and Families and enhance their personal financial readiness and deploy-ability through the use of sound money management and consumer skills.

Services Offered

Personal Financial Management Training

This is mandatory training for Fort Sill Soldiers on their first permanent Duty station.  Training is held every Monday from 1-2 p.m. at Harry S. Truman Education Center.  Spouses are welcome.

Class Topic:

  • Budget Plan and Record Keeping


Checkbook Management Training

This training provides military members and their spouses' information on keeping track of their financial records.

Class Topics Include:

  • Laws and limitations
  • Setting up a checking account
  • Keeping the account balanced
  • Debit Cards and Automated Transaction Machines (ATM)
  • Understanding the bank statement
  • Reconciling the checkbook with bank statement
  • Saving accounts and investments
  • Special Checks and Cash Transfers

A 1 1/2 hour Remedial Check Book class is scheduled for the second Tuesday of each month in the Training Room, B4700.


Relocation Financial Preparedness Training

This training provides military members and their family with budget tools such as calculators and spending plans that help reduce the financial stress of moving.

The class is offered twice a month. Call for schedule. Training is mandatory for E4s and below on their first PCS.


Financial Management Training     

Open to all Soldiers and Families who are interested in learning more about basic financial planning and budget development.

Reservations for all FRP training is required.

Every 3rd Tuesday and Wednesday

Tuesday 12 p.m. - 4 p.m. and Wednesday 8 a.m.  - 12 p.m. (8-hour training)

Training Room, Bldg. 4700

AER Loans and Grants

On 15 November 2011, at the annual AER Board of Managers meeting the AER Board Members approved the implementation of 4 new categories of assistance. Effective 2 January 2012 AER Fort Sill is authorized to begin providing AER assistance in the following categories:

  • Dental for Dependents of AD & Retired Soldiers    Limited and reasonable AER assistance up to $4,000 may be provided when a Soldier does not have sufficient funds to cover upfront dependent dental care payments required for treatment or patient's share of charges that are not covered by dental insurance.
  • The below listing identifies procedures for which AER assistance may be authorized.  Each request should be considered on an individual basis with emphasis on dental needs necessary for individual health.
    • Diagnosis, x-ray, examination, and cleaning
    • Emergency care to alleviate pain
    • Filling of cavities
    • Crowns to include post and core or composite/resin build-ups
    • Treatment of acute periodontal disorders, including necessary periodontal surgery for pain and infection control
    • Root canal therapy
    • Extractions
    • Orthodontia to prevent handicaps or disfigurement
    • Sealants
  • Furniture AER assistance up to $4,000 may be provided to obtain essential and economical furniture, such as bedding, sofa, kitchen table, and crib.
  • Replacement Vehicle AER does not finance the purchase or lease of a new or used privately owned vehicle.  However, for some Soldiers it may be more financially sound to provide AER assistance for a down payment to obtain a more reliable vehicle than repairing an existing vehicle when the cost of repairs is higher than verified value of current vehicle. AER assistance for up to $4,000 for a replacement vehicle will be made directly to the Soldier and not a vendor.
  • Rental Vehicles  Soldiers on emergency leave or awaiting major repairs of a primary vehicle may obtain AER assistance up to $4,000 for a rental vehicle. Their assistance should be of a temporary nature (7-10 days).  (AER caseworkers will ensure Soldiers understand the requirement for appropriate rental insurance should their individual insurance not cover such rentals.  Soldiers requesting AER assistance to obtain a rental vehicle may include funds for rental insurance in their application.)
  • AER assistance for Replacement Vehicle and Rental Vehicle cannot be requested through the Commander Referral Program but may be requested through the regular AER process which includes recommended approval through the Battery/Company Commander or 1SG.
  • Your unit Command Financial Advisor is ready to assist you if you need assistance in completing the AER application.  You may also contact the installation Senior Financial Advisor or ACS Army Emergency Relief at ACS at +1 (580)442-4916.

You can download an AER Checklist here.

Pages 6 and 7 of Army Regulation (AR) 930-4 cite categories for authorized/unauthorized assistance. Most of these categories are listed below. For a complete listing, please review pages 6 and 7 of the regulation.  All documents required when submitting AER request Form 700.


Authorized Categories

- Car repairs for primary vehicle

- Rent and deposit

- Funeral expenses (See requirements)

- Emergency travel expenses

- Assistance with necessities to prevent privation (i.e., food, lodging)

- Pay entitlements that are due but not received.

- Lost or Stolen funds (police report required)

- Utilities/ Food


Unauthorized Categories

- Purchase of a new/used car

- Taxes, registration, fees, licenses

- Credit card payments

- Debt consolidation

- Cable/cell phone bills ( if nonessential)

- Consumer advocacy (someone tricked me) or other reason not listed in AR 930-4

- Divorce

- Marriage

- Legal expenses

- Education expenses

AER Forms and Resources

AER Blank Forms

AER Form 30-R - Request for Record Adjustment, dated January 2017 (Fillable)

AER Form 53 - Special Power of Attorney, dated October 2014 (Fillable)

AER Form 57-R - Budget Worksheet, dated June 2017 (Print and complete manually)

AER Form 400 - Pay Adjustment Authorization Form (Fillable)

AER Form 501 - Supplemental Promissory Note (SPN), dated 20 May 2016 (Fillable)

AER Form 600 - Company Commander and First Sergeant Quick Assist Program, Application for Financial Assistance, dated 6 July 2017 (Fillable with budget sheet)

AER Form 700 Application for AER Assistance, dated 6 July 2017 (Fillable)

AER Form 700 Application for AER Assistance, dated 6 July 2017 (Printable)

AER Form 700-1 - AW2 Application for Financial Assistance with Budget Sheet, dated June 2017

AER Form 800 - Request to Convert a Loan to a Grant, dated 18 July 2017 (Fillable)

AER Form 900 - Mass Assistance Application, dated 7 August 2014 (Fillable)

You will need Acrobat Reader to be able to read and print these files.


Related Links

The appearance of external hyperlinks does not constitute endorsement by Army Emergency Relief of the linked Web sites, or the information, products or services contained therein. Army Emergency Relief does not exercise any editorial control over the information you may find at these locations. Such links are provided for your convenience consistent with the stated purpose of this web site.

If you have questions or comments about information presented here, please click "Contact Us" at the bottom of the page and choose "website" in the email category.

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Financial Counseling
  • Budget Counseling
  • Debt liquidation counseling
  • Overall Financial Planning
  • Credit Counseling
  • Credit Report
  • FSSA
Training Request

The request for training is designed to provide unit leadership an opportunity to request a Financial Readiness Expert who will present the latest financial tools to Service Members so that they can make better informed financial decisions.  The training request form needs to be submitted at least 2 weeks in advance.  Reservation dates, times, locations and specific topics must be identified on the form. 

ACS Financial Readiness Program Briefing/Class Request Form


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It’s here!

The new Blended Retirement System (BRS) has arrived – which means many Soldiers and their families will be making important decisions during 2018. What it means for you depends on factors like whether you’re Active, National Guard, or Reserve – and how much time you’ve got in.

Get educated. Know your options. Understand how BRS affects you and your family.

Learn more



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