Financial Readiness Program

Hours of Operation

Monday 8 a.m. - 5 p.m.
Tuesday 8 a.m. - 5 p.m.
Wednesday 8 a.m. - 5 p.m.
Thursday 1 p.m. - 5 p.m.
Friday 8 a.m. - 5 p.m.
Saturday Closed
Sunday Closed
Training Holidays Open regular hours
Federal Holidays Closed


Hainerberg Housing
Bldg. 7790
Google Map

+49 (0)611-143-548-9201

Military DSN Tel:

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Financial Readiness Program offers a wide range of services to assist community members and their families with their financial affairs. Emphasis is placed upon the training portion of the program designed to educate the community in money management, proper use of credit, financial planning, transition and relocation, insurance, home buying, retirement, and check writing principles in an attempt to prevent financial difficulties before they arise. Clients can see experts for one-on-one personal counseling dealing with any financial questions or issues. Also included in this service is the debt liquidation program, designed to help soldiers arrange to pay off their debts. Clients are encouraged to work with their creditors to gain stable, manageable financial positions.

Counselors are available to help service members and spouses
  • Establish budgets
  • Work with creditors
  • Consumer information
  • File consumer complaints
  • Obtain a free credit report
Consumer Affairs Program

The Consumer Affairs Program is designed to educate service members and their families on their rights as consumers. The goal is to enlighten them on procedures used in businesses as well as business transactions from which they should stay away. Additionally, the objective of Consumer Affairs is to teach service members and their families how to recognize situations of which they are being taken advantage and how to file a report to the appropriate resource when needed.

Your finances in Germany

This class is taught during in-processing. Learn about significant financial impacts of living in Germany and how to financially make the most of your time here. Class includes information on taxes, VAT, credit and debit cards, scams, insurance, contracts, legal planning and more.

Army Emergency Relief


Army Emergency Relief provides no-interest loans and grants to Soldiers and their Families through their local installation's AER section. AER is a private nonprofit organization incorporated in 1942 by the Secretary of War and the Army Chief of Staff.

Active Duty Soldiers lacking the funds to meet their monthly financial obligations may request Army Emergency Relief funds of up to $1,500 by submitting a completed AER Form 600 to their immediate commander. If the commander approves the Soldier’s request, under the Command Referral Program, they complete item 10 of AER Form 600. 

For more information please visit: Army Emergency Relief