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 >1 y ago
Responses: 6
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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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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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I am not sure where you are getting your facts from but if you are in the National Guard you can get an AER loan. I got one. I am sure the pay you will get out of it is a factor in it but my hardship was due to the military.
In my situation I was at at Ranger School with no contact with my home unit and very little little with spouse. We got a new readiness NCO and no one let him know what I was doing at Benning. So drill weekend came around and I was coded at being at Drill. This stopped all pays and pretty much screwed me. So I ended up going about a month and half with no pay, minus a payment for drill. It couldn't get fixed or not in a timely manner so my commander had an AER payment of 1400 made to my bank. With the back pay I was getting it wasn't an issue paying it back.
With a Guard soldier having trouble on his own, outside the military, There really is no promise that they will get their money back. I am sure it would have been nice but I doubt they could have advanced him enough to take care of the problem. It wasn't that he needed the money for an emergency. It was that he was broke.
In my situation I was at at Ranger School with no contact with my home unit and very little little with spouse. We got a new readiness NCO and no one let him know what I was doing at Benning. So drill weekend came around and I was coded at being at Drill. This stopped all pays and pretty much screwed me. So I ended up going about a month and half with no pay, minus a payment for drill. It couldn't get fixed or not in a timely manner so my commander had an AER payment of 1400 made to my bank. With the back pay I was getting it wasn't an issue paying it back.
With a Guard soldier having trouble on his own, outside the military, There really is no promise that they will get their money back. I am sure it would have been nice but I doubt they could have advanced him enough to take care of the problem. It wasn't that he needed the money for an emergency. It was that he was broke.
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MSG(P) Michael Warrick
Sir - AER advises you must be on Title 10 or AD not Title 32 that is where the information came. I am going to do some further research on it today with the Soldier !
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CPT (Join to see)
I question that. I know for a fact that NG going to a school is not title 10. That is state money and orders. I have been on both and think they may be confused.
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SSG(P) (Join to see)
National Guard personnel have the ability to get AER loans. I have assisted several of my troops with getting them. It is usually funded by the State which often has limited funds available. I am not sure what pot of money Title 10 personnel get theirs from but I'm sure that's big Army money. Or Federal dollars. In any case, it's possible for NG troops. Not sure how it works for USAR.
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SGT Jacky Chen
Sorry to bring up an old topic, but I just wanted to clarify that for AER loans - it is not whether or not you are a reservist "now" but if you have served active duty time, at least 30 consecutive days. In your case, sir, I see you served tours in support of OIF which would qualify you for a AER loan.
Here is the most recent article I could find in regards to the current topic: https://www.military.com/spousebuzz/blog/2017/06/no-new-army-emergency-relief-national-guard-reserve.html
Here is the most recent article I could find in regards to the current topic: https://www.military.com/spousebuzz/blog/2017/06/no-new-army-emergency-relief-national-guard-reserve.html
No New Army Emergency Relief Help for Guard, Reserve
A previously announced plan to extend Army Emergency Relief (AER) eligibility to Army National Guard and Reservists regardless of activation was shelved after the organization's board of directors failed to approve the measure, officials said this week.
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Likely because they don't make enough monthly in reserve/guard pay to meet the repayment allotment requirements. I know on the AF side, members can "skip" a UTA weekend without any real issues outside of not getting pay that month. This would be an issue if AER works like our Air Force Aid Society loans that require a monthly allotment to pay back the full amount within 1 year.
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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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