Milestone training for soldiers, leaders, families and services providers.
Download the Financial Readiness Roadmap
Download the Training Guide

AER Financial Literacy Training: To receive credit on your existing AER loan, you must follow these three steps:

1. Watch all videos on Debt, Major Purchases, and Spending Plan (expected time: less than one hour)
2. Take 25 Question Quiz here
3. If you score 80% or above:
   • E4 and below can receive a credit of up to $200 on your existing loan (increase effective 1 January 2026)
   • E5 and above can receive a credit of up to $100 on your existing loan (increase effective of 1 January 2026)

AER Simulations

Choose a character in one of our simulations. Put yourself in their shoes by navigating military life and making financial decisions. In a fun and interactive way, you’ll learn about personal financial topics and understand how they relate and affect each other.

Attention leaders! Be sure to check out The Challenge for guidance on how to lead your Soldiers through potentially difficult topics.

       

Congratulations, Soldier, on your decision to join the Army!

Whether your career lasts years or decades, you have made a great choice to serve your country and be a part of the greatest military in the world.

On this page, you will find a comprehensive guide, videos and handouts to help you make informed decisions on issues regarding your personal finances, education and benefits. We hope this information will help you start your career on the right path.

To begin Future Soldier training, click on the guide to get started. Read each page, watch each video and review the accompanying handouts. Once you have completed those steps, open the acknowledgement form. You may fill this out online and then save or print to provide this to your recruiter.
 

Download Guide (PDF)