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Financial Assistance

ACS Financial Readiness Program

If you are having trouble managing your finances, The Financial Readiness Program will assist you. Individual budget counseling is provided to teach Soldiers how to increase their monthly cash flow. Money Management Classes are provided to educate Soldiers and their Families about savings and investment options to create future financial freedom.

If you need financial assistance for rent, food, utilities, vehicle insurance, and unexpected vehicle repair, contact the Financial Readiness Program at 270-798-5518.

Army Emergency Relief - Financial assistance is available for active duty, retired service personnel, and their Family Members. Family Members of deceased personnel and members of the reserve components on continuous active duty for more than 30 days are also eligible for AER assistance.  Assistance will be provided as a non¿interest bearing loan, a grant (when appropriate), or a combination of loan and grant. Types of emergencies covered are: non¿receipt of or loss of funds; medical, dental and hospital expenses; funeral expenses for immediate Family Members; travel expenses related to emergencies; rent, food, utilities, vehicle insurance, and unexpected vehicle repair.  Emergency Leave and Army Emergency Relief (AER) are usually unavailable without Red Cross validation.  All financial assistance is provided on behalf of the AER or Aid Society applicable to the branch of service. Financial assistance is provided from the American Red Cross after duty hours.

Financial Planning - The ACS Financial Readiness Program provides financial management training through scheduled classes, one- on-one financial counseling, workshops and seminars to help Soldiers and Family Members improve their financial stability.

Budget Counseling – Help establish an individual or family budget that will create a more effective monthly spending plan.

Financial Classes given by our Financial Counselors –

  • Money Management
  • Managing Credit and Debt
  • Buying and Maintaining a Car
  • Savings/Investments
  • Real Estate Basics
  • Preparing Financially for PCS moves
  • Consumer Education
  • Others on Request
  • Thrift Savings Plan (TSP)
  • Blended Retirement System (BRS)

Consumer Affairs Office -- The Consumer Affairs Office (CAO) serves as a consumer advocate for Soldiers and their Families. CAO serves as a mediator between Soldiers and business establishments. CAO is a one-stop service for Soldiers and their Families to save money. We maintain a library of consumer materials and can assist you in making wise decisions with large purchases and contract reviews. Our office will review contracts prior to signing, assist with price comparison and financing information, discuss warranties, and provide the client with negotiating power to make a purchase. Carfax ,a report that provides a complete history on used vehicles, is available free of charge to soldiers purchasing used vehicles.

Cost of Living -- There is no COLA entitlement for this area. The local area enjoys a cost of living lower than the average for all major U.S cities. On a nationwide average of 1.0, Clarksville's cost of living .75 and Hopkinsville is .58. The sales tax for Tennessee is 9.5 and Kentucky is 6.0. Tennessee does not have a State Income Tax, Kentucky pays State Income Tax.

Advanced Pay -- Do not request advance pay from basic pay. This is a loan and you will pay the money back. Advanced pay repayment will be automatically withdrawn from your monthly pay. This will reduced your monthly income.

Average Costs for Rentals

  • $500.00 and up for 1 Bedroom
  • $584.00 and up for 2 Bedrooms
  • $700.00 and up for 3 Bedrooms

Average Costs for Home Buying

  • $70,000 and up for 1 Bedroom depending on location
  • $85,000 and up for 2 Bedrooms depending on location  
  • $104,000 and up for 3 Bedrooms depending on location

Average Monthly Utilities

  • Electric $60-$120
  • Water $40-$60
  • Gas   $20-$40
  • Trash Removal $13-$18

Car Insurance --Minimum car insurance coverage requirements $25000.00. Maximum car insurance coverage $50000.00.

If you need financial emergency assistance while en-route to Fort Campbell, request financial assistance at a nearest American Red Cross or Salvation Army. If it's a medical emergency call 911 or go the nearest local hospital for assistance.

If your vehicle brakes down contact the American Automobile Association for assistance.

Remember to contact Ft Campbell Replacement Detachment if you are unable to report in on the date written on your orders due to an emergency situation.

Army Emergency Relief -- Financial assistance is available for active duty, retired service personnel, and their Family Members. Family Members of deceased personnel and members of the reserve components on continuous active duty for more than 30 days are also eligible for AER assistance.  Assistance will be provided as a non¿interest bearing loan, a grant (when appropriate), or a combination of loan and grant. Types of emergencies covered are: Rent/Mortgage, Utilities/Deposit, Food, Emergency Travel, Dental Medical, Car Seats, Vehicle Repair, Replacement Vehicle, Essential Furniture, Funeral Expenses, Non-Receipt of Pay/Loss of Funds, Minor Home Repairs, Cranial Helmets. All financial assistance is provided on behalf of the AER or Aid Society applicable to the branch of service. Financial assistance is provided from the American Red Cross after duty hours.

PCS Financial Entitlements

Temporary Lodging Expense (TLE)

TLE is designed to partially reimburse a service  member for the more than normal expenses incurred when the member and/or dependents are required to occupy temporary lodgings in CONUS incident to a PCS. Reimbursement consists of expenses for lodging and meals obtained as a direct result of using temporary lodging in CONUS. Service Members are authorized 10 days TLE in conjunction with a PCS to/from a CONUS location and 5 days in conjunction with a PCS to/from an OCONUS location.  For more information, visit the Military Per Diem, Transportation and Allowance Committee Web Site.  Under the Frequently Asked Questions Tab see Temporary Lodging Allowance.    

Dislocation Allowance (DLA)

The purpose of DLA is to partially reimburse a member, with or without dependents, for the expenses incurred in relocating the member's household while on a PCS move. The amount of DLA payable is based on rank and whether the member is serving on an accompanied or unaccompanied tour. DLA is only paid to single Service Members when they are required to move into economy housing. For more information, visit the Military Per Diem, Transportation and Allowance Committee Web Site.  Under the Frequently Asked Questions Tab see Dislocation Allowance.    

Per Diem for PCS Travel

Service members receive a "per diem" allowance which is designed to partially reimburse for lodging and meal expenses when traveling from one duty station to another.  Per Diem for dependents is 3/4 of the member's applicable rate for each dependent 12 years old or older and 1/2 of the member's rate for each dependent under 12 years. 

Commercial or Government Conveyance  

When the member travels by commercial (purchased ticket) or government (issued ticket) means, they are paid the current established rate under  the "Lodging Plus System" for the new Permanent Duty Station (PDS), or the rate for the delay point if the member stops overnight.  

Privately Owned Conveyance 

When traveling by Privately Owned Conveyance (POC), service members are paid a flat rate of $99.00 daily for each day of authorized travel used.  In addition, members elect to travel to their new duty station by POC are entitled to receive a mileage allowance, in lieu of the cost of airline ticket. The reimbursement rate depends on the number of authorized travelers in the vehicle.  The service member can be reimbursed for this travel, up to what it would have cost the military to purchase an airline ticket.  For complete information, visit the Military Per Diem, Transportation and Allowance Committee Web Site.  Under the Frequently Asked Questions Tab see Permanent Change of Station/Relocation Allowances: DOD Civilians and Military Members PCS FRQ and select Per Diem for PCS Travel.  

Do it Yourself Move

The Do-It-Yourself (DITY) Program is an option available to service members or the next of kin of a deceased member. You are authorized payment of 95% of what it would cost the Government to move your authorized or actual household goods weight (whichever is less) commercially. Incentives paid, exclusive of the operating allowance, are taxable income and subject to 28% Federal Income Tax and State Tax (if applicable). The program may be used for all or a portion of a member's weight allowance. Visit the Fort Campbell Web site more information on how to apply.


Associated Links

Defense Travel Management Office /Per Diem
Per Diem official website with information on allowances, travel regulations and lodging websites.

Defense Finance and Accounting Service
The authoritative source for pay issues.

Military Pay and Benefits
Ability to research your pay and benefits.

IRS Moving Regulations
Information on what expenses are tax deductible.

United States Army Recruiting Command Soldier and Family Assistance Programs
Public web site for all Army recruiting command needs.

Military OneSource Financial Counseling
For short term financial problems, service families can obtain help from Military OneSource.

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