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Personal Financial Management Counseling Options

Benefit overview

The Defense Department offers a number of financial counseling options for you and your family to help plan and control your financial future.

How this benefit helps

Service members can access financial counseling for free through installation programs and Military OneSource. These counselors understand the financial challenges you face as a service member and the resources available to help you manage and plan your fiscal future. Financial counseling can help by:

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Giving you personal finance basics

Counselors can go over your finances and suggest ways to pay down debt. They can also teach you about savings, managing your checking account, investments and making a family budget.

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Helping you with your credit record

Financial Counselors can provide information on consumer rights and make appropriate referrals to military and civilian resources responsible for resolving credit report complaints.

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Educating you about military savings programs

Counselors can give you information about military-specific savings programs such as the Savings Deposit Program and the Thrift Savings Plan.

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Helping you develop a debt-repayment plan

Counselors can help you contact creditors and come up with a plan to pay off your debt.

How to access financial counseling services

You can receive financial counseling either through the installation Personal Financial Management Program, the Military and Family Life Counseling Program or through Military OneSource.

These programs include classes, seminars, one-on-one counseling and additional information to educate service members and their families about consumer rights and help them achieve financial stability.


This program includes personal financial counseling to help you and your family manage finances, resolve financial problems and reach long-term goals such as getting an education, buying a home and planning for retirement.


Military OneSource provides confidential, short-term counseling to address financial issues such as basic budgeting, money management and debt. Contact us to schedule an in-person, video or telephone counseling session.

Learn More

Tackle each financial situation with support from financial counselors. Reach out, and with their help, you can achieve and maintain financial readiness for you and your family.

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