Resources

There are numerous resources available to service members and their families which can provide information on financial planning, budgeting and money management, and retirement planning.

Personal Financial Management Program (PFMP)

The PFMP, available on all military installations, provides classes, one-on-one counseling sessions, and additional information designed to educate service members and their families about consumer rights and to help them achieve financial stability.  Maps, directions, and contact information for PFMP offices can be found on MilitaryINSTALLATIONS under the program/service titled "Personal Financial Management Services."

Service members can also speak with the Command Financial Specialist within the unit or a Personal Financial Management Counselor on the installation.  Both of these individuals can provide basic financial counseling to service members and help them access resources they need to develop sound personal financial management skills.

Access to Credit Reports

The law requires the major nationwide consumer reporting companies - Equifax, Experian, and TransUnion - to provide, upon request, a free copy of a credit report each year.  Service members or their family members can visit Annual Credit Report.com or call 1-877-322-8228, a service created by these three companies, to order their free credit report each year.  A request can also be submitted through the mail at the following address:  Annual Credit Report Request Service, P.O. Box 105283, Atlanta, GA 30348-5283.

Military OneSource

Military OneSource provides information and resources to help balance work and family life.  Consultants are available twenty-four hours a day, seven days a week by phone, on-line, or via email.  Available personal financial management materials include financial counseling checklists, articles, and tips on topics such as budgeting, credit and collections, and taxes.  Through Military OneSource, active duty service members, National Guard and Reserve members, DoD civilian personnel designated as Civilian Expeditionary Workforce members and their families can also access up to twelve sessions of free, face-to-face financial counseling with a counselor in their area. For those unable to attend face-to-face counseling, Military OneSource arranges telephone and online consultations. To contact Military OneSource by phone, twenty-four hours a day, seven days a week, call Stateside at 1-800-342-9647. The Military OneSource website lists specific dialing information for other countries.

Military and Family Life Counselors (MFLC) Program

Through the MFLC Program, active duty service members, National Guard and Reserve members, DoD civilian personnel designated as Civilian Expeditionary Workforce members and their families are eligible for up to twelve sessions of non-medical, short-term counseling per person, per issue for every day issues, such as anger management, stress, parenting, communication, family relationships, deployment, and other military-related topics.  MFLCs are available through installation locations, such as the Army Community Services (ACS), Marine Corps Community Services (MCCS), Navy Fleet and Family Support Centers (FFSC), and the Airman and Family Readiness Centers (A&FRC). 

• Links to Branch Support Services
• Links to Additional Resources