Posted on Sep 14, 2014
Why Does the National Guard and USAR Not Have the Ability to Get an AER Loan?
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Recently I had a Soldier that approached me that is having a difficult time with finances due to a hardship. So I advised him about the Army Emergency Relief (AER) loans and gave him the number to make the call. I was later advised by the Soldier they were not available so I call AER and confirm the truth to the matter. Unless you are on Title 10 the National Guard or USAR Soldiers are not eligible for a AER Loan. You can be on Titles 32 as an AGR and you are still not eligible for an AER loan. Why it that? Are those that are on Title 32 as AGR not serving their country just as those on Title 10 or Active Duty? This is a double standard and needs to be corrected!!
AER
Policy
Army National Guard
USARC
Posted 10 y ago
Responses: 6
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MSG(P) Michael Warrick I had no idea! I'm retired and I get mail that says I can petition to get them! Double standard if you ask me. Do other retirees get offered AER loans? I wonder if it is because I was medically retired and still on TDRL? Puzzling.
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SSG Byron Howard Sr
After I retired I had to use AER a couple of times but I never get anything from them except to donate which I do let them have a few bucks every month who knows I may need them again.
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Arguably, those on title 32 serve the state and not the union.
I would speculate the decision was partly due to the differences in policies between states. Title 32 AGR in Nebraska might be entirely different from Maine.
If relief from title 32 orders is a simpler process than title 10 (just a guess, I have zero experience in these matters), than the rational for a relief program is not applicable.
Of course AER is a private corporation, and they don't discuss policy matters with me.
I would speculate the decision was partly due to the differences in policies between states. Title 32 AGR in Nebraska might be entirely different from Maine.
If relief from title 32 orders is a simpler process than title 10 (just a guess, I have zero experience in these matters), than the rational for a relief program is not applicable.
Of course AER is a private corporation, and they don't discuss policy matters with me.
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I'm absolutely not making a judgement, just offering an opinion as to the "why" of your question.
I'm guessing that it's because as a reservist the SM is in control of their own income 28 out of 30 days of the month, whereas on active duty, a SM basically has no control of their income, other than just not screwing up their next promotion.
That, and that the AER has to cut off somewhere in order to avoid spending more than they have.
I'm guessing that it's because as a reservist the SM is in control of their own income 28 out of 30 days of the month, whereas on active duty, a SM basically has no control of their income, other than just not screwing up their next promotion.
That, and that the AER has to cut off somewhere in order to avoid spending more than they have.
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MSG(P) Michael Warrick
SGT Richard Hanner - the Soldier was not a traditional Soldier but an AGR that is on Title 32 and not Title 10. Full time is full time as a Soldier nor should it matter if they are part time. The Army should take care of it own !
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SGT Richard H.
MSG(P) Michael Warrick I actually had to google that (title 32), but I agree. Any soldier that is a full time soldier should be no different than any other soldier.
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