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Army Community Service FINANCIAL COUNSELING CAN HELP PUT THE PIECES IN PLACE.

Army Emergency Relief Army Family Team Building

PUZZLED ABOUT YOUR

Employment Readiness

$ $? ?$

Exceptional Family Member Program Family Advocacy Program Family Welcome Center (Outreach) AND

THERE’S NO COST TO YOU

Financial Readiness

FINANCES?

PRODUCTIVE COUNSELING: Helps you establish short and long-term goals

Information & Referral

through the use of various investment vehicles.

Mobilization & Deployment

PREVENTIVE COUNSELING: Especially beneficial for newlyweds and young singles, offers basic guidance and suggestions

Relocation Readiness

Assists when you are having difficulty meeting

F ORT S TEWART AND H UNTER A RMY A IRFIELD

F INANCIAL R EADINESS P ROGRAM

Resiliency Training for Family Members, Couples & DA Civilians

for establishing a budget. CORRECTIVE COUNSELING:

WE CAN HELP

Survivor Outreach Services (SOS) Volunteer Program

HELPING SOLDIERS FAMILIES

AN D

S O LV E P U Z Z L I N G

F I NA N C IA L C O N C E R N S .

financial obligations. REFERRAL SERVICE: When appropriate, refers you to the proper person or agency that is best suited to help you and/or answer your questions. Army Community Service calendar of classes and events can be found at www.stewart.army.mil/acs. Rev. 06-12


The Army Community Service Financial Readiness Program helps resolve financial problems and reduce the stress associated with money worries. With an emphasis on financial literacy and self-sufficiency, our services include: 

Financial Problem Solving

Understanding Credit

Money Management

Getting out of Debt

FINANCIAL CRISIS? When unforeseen financial crises arise, Army Emergency Relief (AER) can provide emergency financial assistance with interest-free loans and grants to help with: 

Rent

Food

Utilities

Wise Ways to Invest your Savings

Emergency Travel

Planning for a Major Purchase

Temporary Lodging

Developing a spending plan that works

Medical/Dental Expenses

Car Repairs, Car Payments, Auto Insurance

M I L I TA R Y L E N D I N G A C T WHAT

YOU NEED TO KNOW.

Beginning October 2007, a new federal law known as the Military Lending Act limits the way some kinds of credit can be offered and priced for military personnel and their Families. The new law affects a limited number of financial products, including payday loans, vehicle title loans, and refund anticipation loans. The Act limits the APR on certain loan products to 36 percent all-in, which means all fees associated with the product are included in the APR calculation. The Act includes a new “military APR” that not only includes interest fees, but also includes any one-time fees or annual account fees. Active Duty personnel, Activated Reservists, Spouses and dependent children, and individuals relying on service members for a majority of their financial support are “covered borrowers” under the Act. All covered borrowers should closely review the terms of any loan product. Contact a Financial Counselor at Army Community Service if you have questions about the Military Lending Act.

ONE-ON-ONE SERVICES 

Money Management and Budgeting

Banking Account Management

Financial Planning and Investments

Insurance

Transition

Consumer Education

Consumer Complaints

CLASSES & WORKSHOPS 

Keeping Your Bank Account in Check

Make Money On Your Money-Personal Investing

Budgeting for Baby

Car Buying Workshop

Trapped by Debt? Downsize in 6 Steps

Planning for Retirement

Living on a Plan: How to Create a Budget that Works

Home Buyer Seminar

Preparing Your Finances for Deployment

PCS Financial Planning

FOR

A CURRENT CLASS SCHEDULE, CALL OR VISIT: WWW.STEWART.ARMY.MIL/ACS

Army Community Service Fort Stewart

Hunter Army Airfield

Army Community Service 201 Lindquist Road, Bldg. 86

Army Community Service 171 Haley Ave., Bldg. 1286

(912) 767-5058/5059

(912) 315-6816


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