AER helps Soldiers with interest-free loans, grants, rates among top charities for efficiency. The AER is not about giving money away, but rather meeting the emergency needs of Soldiers and their families. It accomplishes this mission by providing interest free loans and grants as appropriate.Once your husband got approved by this loan, he will start making monthly payment taken direct from his LES.
If the situation is merit as Red Cross message. Commanders should be notified and assist the Soldier with their maximum capacity. Most emergency situation is involved to finance difficulty. Your husband should consult to his unit NCO or request to meet with Commander directly for referral. I do not know exact your Army post/location. But every post has AER office, see below for the AER forms. Read it and fill it out if it fits your situation. Hope this help.