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Financial Assistance and Counseling

Get assistance for urgent financial needs

When you’re having trouble meeting urgent financial needs, we may be able to provide an interest-free loan or grant. Through financial counseling, we’ll also help you plan for better financial stability. From everyday bills to unexpected expenses, our caseworkers are ready to help. They understand the unique challenges of military life, and they’re ready to listen and suggest options to bring you needed relief.

Our services are completely confidential. Your caseworker will review your financial situation and guide you through helpful resources and budget planning. If you’re approved for a loan or grant, you’ll get funds right away. There’s no application fee, and the appointment is completely free. If you need $500 or less, you may be eligible for our Quick Assist Loan.

Qualifying situations

We provide funds to help with a wide range of financial needs. Common situations include:

  • Food, rent/mortgage, utilities, essential home repairs
  • Establishing a new residence, including security and utility deposits
  • Car expenses, such as repairs and insurance deductibles
  • Medical expenses
  • Military pay shortage / delayed entitlements
  • Funeral expenses

If your situation isn’t on this list, please call your nearest NMCRS office to see if we can help.

Prepare for your appointment

When you need help, call to make an appointment at your nearest NMCRS office right away. Often you can be seen the same day. Before your visit, be sure to read how to prepare for your appointment.

What to expect at your appointment 

Your Society caseworker will listen to understand your financial situation, as well as help you understand your bills and unexpected expenses, if you need it. The caseworker will help you create a plan for financial success, making sure your budget helps you figure out how to spend your money and not run out. You’ll also get money-saving resources and tips to help stretch your dollars.

After reviewing your financial situation, your caseworker will determine if you qualify for financial assistance. If you do, you’ll receive an interest-free loan or grant, and you’ll leave the office with a check for the money you need.

Visit the After an Appointment page for information on repaying your loan and follow-up services and appointments.

Stay Informed