What is the purpose of Army Regulation AR 930-4?
Army Regulation AR 930-4, also known as Army Emergency Relief (AER), provides policies and procedures for the operation of AER programs to assist Army personnel during times of financial hardship.

Who is eligible for assistance under AER?
Active and retired Army personnel, Army National Guard and Army Reserve on active duty, and their dependents are eligible for AER assistance. Surviving family members of soldiers who died while on active duty are also eligible.

What type of assistance does AER provide?
AER provides financial assistance in the form of interest-free loans, grants, or a combination thereof, to help with immediate financial needs such as emergency travel, rent, utilities, food, healthcare, and funeral expenses.

How can I apply for AER assistance?
AER assistance can be requested by filling out an application, known as DA Form 1103, which can be obtained through your unit or installation AER office. The completed application should be submitted to the unit or installation AER officer for review and processing.

Is all AER assistance in the form of loans?
No, while AER does offer interest-free loans, they also provide grants which do not have to be repaid. The type of assistance granted depends on the individual's financial situation and the availability of funds.

Are there any fees or interest associated with AER loans?
No, AER loans are interest-free, and there are no fees or charges applied to them. Borrowers are only responsible for repaying the loan amount within the agreed-upon timeframe.

Can AER assist with non-emergency financial needs?
AER primarily focuses on emergency financial assistance. However, they may consider providing limited financial assistance for non-emergency needs such as essential car repairs or legal fees related to family issues on a case-by-case basis.

How long does it take to process an AER application?
The processing time for AER applications varies based on the complexity of the request and the availability of funds. However, AER strives to make decisions and, if approved, disburse funds as quickly as possible, often within a few days.

Can AER assist with debt consolidation or credit card payments?
No, AER does not provide assistance for debt consolidation or credit card payments. Their focus is on addressing immediate financial emergencies rather than long-term financial obligations.