Financial Counseling & Free Tax Filing
Getting Out of Debt on Military Pay: A Real Plan
A straight, no-judgment path out of debt for service members and families — plus a free debt-payoff calculator and where to get free counseling.
- Free, unlimited financial counseling means you can build (and revise) a debt plan with a pro at no cost.
- The SCRA can cap interest at 6% on debt from before you joined — a benefit many members never claim.
- Our debt-payoff calculator shows snowball vs. avalanche and your real payoff date.
- Junior enlisted are hit hardest — there's no shame in it, and the help is free and confidential.
The free official program
MilTax & Financial Counseling (official, free) — MilTax e-filing and personal financial counseling are free through the official program. Call 800-342-9647.
Frequently asked
Can the military help with my debt?
Yes — free personal financial counseling is available to build a payoff plan, and the SCRA may lower interest on pre-service debt to 6%.
Tools that help
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