Credit and Debt Repayment “Need to Knows” for Military Families
Assorted financial paperwork pertaining to debts and expenses on a table. UF/IFAS Photo by Thomas Wright. UF/IFAS File Photo.
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military families
Servicemembers Civil Relief Act
Military Lending Act
consumer credit
consumer debt


How to Cite

O’Neill, Barbara, Martie Gillen, and Kristen Jowers. 2024. “Credit and Debt Repayment ‘Need to Knows’ for Military Families: FCS3393/FY1535, 1/2024”. EDIS 2024 (1). Gainesville, FL.


This publication is the third in the series on military family readiness. The publication discusses general information about credit and debt repayment, general information about credit reports and scores, military-specific credit-related challenges, military-specific credit-related laws and support services, five credit management tips for military families, and credit education resources. Written by Barbara O’Neill, Martie Gillen, and Kristen Jowers, and published by the UF/IFAS Department of Family, Youth and Community Sciences, January 2024.
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Consumer Financial Protection Bureau. (2020). Debt and Delinquency after Military Service.

Consumer Financial Protection Bureau. (n.d.). Servicemembers Civil Relief Act and Military Lending Act Provisions.

DoD Office of Financial Readiness. (n.d.). Amortizing Loan Calculator. (2012). More military families struggle with debt.

Military OneSource. (n.d.). Active-Duty Alert.

Utah State University. (n.d.). PowerPay.

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