USAG Baden-Württemberg
Army Community Service

ACS Main Office
Community Support Center, Bldg. 3850
DSN: (314)370-6883/6975
CIV: +49(06221)57-6883/6975

Mon-Wed, Fri: 8 a.m.-4:30 p.m.
Thu: 11 a.m.-4:30 p.m.

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Info Center
Village Pavilion Community Center, PHV, Bldg. 4507

ACS Information & Referral
DSN: (314)388-9435
CIV: +49(06221)338-9435

ACS Employment Readiness
DSN: (314)388-9437
CIV: +49(06221)338-9437

Mon, Wed-Fri: 8:30 a.m.-4:30 p.m.
Tue: 10 a.m.-6 p.m.

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ACS Satellite Office
(Scheduled to close June 29, 2012)
Sullivan Barracks, Bldg. 246
DSN: (314)385-3101
CIV: +49(0621)730-3101

Mon-Wed, Fri: 8 a.m.-12 p.m.; 1-4:30 p.m. Thu: 1-4:30 p.m.

All offices are closed weekends and U.S. Federal Holidays

The Financial Readiness Program offers education, counseling and support services to assist ID cardholders with their financial affairs. Our number one priority is to support Soldiers and their Families in maintaining a healthy financial lifestyle. Finances are a top stressor in the lives of military Families. This program strives to resolve immediate financial problems while at the same time, encouraging long term saving plans. 

Army Emergency Relief (AER)
This is a non-profit organization incorporated in 1942 by the Secretary of War and the Army Chief of Staff, AER's mission is to provide emergency financial assistance to Soldiers and their dependents by way of a no-interest loan or grant. To learn more about AER, visit our Army Emergency Relief page.

Financial Counseling
If you wish to take a closer look at your finances, you can schedule a one-on-one appointment with a financial specialist. We can help you create a budget, track your expenses, review your credit or develop a savings plan. We will analyze your specific financial situation and develop a financial plan tailored to your needs.Download a sample budget sheet. (.xls, 22KB)

Debt Liquidation
If you find yourself overwhelmed by your level of debt, this service will offer you some relief. We will analyze your finances and determine how much money you can allocate towards debt repayment. Afterwards, we will assist you in contacting your creditors and making payment arrangements. We can negotiate on your behalf a full payment to your account, a monthly payment plan or a settlement. We will also schedule follow up appointments to evaluate your progress and to revise payment schedules, if necessary.

Security Clearance
If your security clearance has been recently suspended due to financial concerns, we can help you get it back. We will analyze your Statement of Reasons and your most current credit report. According to this information, we can create a monthly payment plan and assist you in contacting your creditors. After you have initiated payments to creditors, we will assist you in writing your rebuttal letter to the Central Clearance Facility (CCF). We can also help you if you are currently processing your reconsideration or appeal to your security clearance case.

Emergency Food Assistance
Food assistance is available to active duty Soldiers and their Family members in a financial crisis.

AER Education Programs
The AER Education program is designed to help Army Families with the cost of vocational training, preparation for service academies and undergraduate college for dependent children and spouses. There are two separate scholarship programs:

1. The Major General James Ursano Scholarship Fund is a secondary mission to help Army families with the costs of undergraduate level education, post secondary vocational training and preparation for acceptance by service academies for their dependent children. More information is available online at www.aerhq.org.
2. The Overseas Spouse Education Assistance Program (SEAP) offers need-based educational scholarships to Army spouses physically residing with active duty soldiers in Europe, Korea, Japan and Okinawa Commands only. More information is available online at www.aerhq.org.

For more information visit our AER Education Assistance page.

Financial Readiness Internship Program
This program support military spouses as they continue in the process of becoming an Accredited Financial Counselor® certified by the Association for Financial Counseling and Planning Education®.  The intern works under the supervision of the Financial Readiness Program Manager or Specialist who is an AFCPE® Accredited Financial Counselor®. The intern is allowed to have appointments with individuals, couples and teach groups. They can provide resource information, educate, train, and facilitate. Through this program, the intern will have the opportunity to gain practicum hour experience towards the AFC® designation.

It is highly recommended you call for an appointment to ensure you are eligible for services and a counselor is readily available to assist you.

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