 Okay, so it was 1997. I was graduating college from Lockhaven University and I was in ROTC and I came out to Fort Sill, Oklahoma. On the way there, I sold my car for $400 and I showed up with a duffel bag. I went to Artillery OBC and like every good, you know, new lieutenant, I purchased a brand new car and I bought a pretty expensive laptop in 1997. Next day, I lived in a BOQ, my BOQ flooded and I was told that I had to move into an apartment and I just spent pretty much my first paycheck on the down payment on the car and the computer. So I had to reach out to AER, I got a loan. I was able to pay it back a couple months later. It was very beneficial. It was actually extremely easy. They were very helpful, laid out exactly what I had to do and we just made the withdrawals from my pay in the next coming months I believe and it was paid off. Well, you never know when a life emergency is going to happen, controlled or uncontrolled and, you know, having that resource to turn to when you might not be able to get it from the banks at a young age is very beneficial and I see it all the time now that, you know, it really helps out soldiers that need it. I hope I never have to use AER again, but if I did, yes. I feel very comfortable going to the team here and I'm sure they would take care of me. I used it in 2016. We ran into a family emergency which turned into a family tragedy. We lost a grandmother and within two days I already had a qualified for a grant and interest-free loan. Within five days we were already traveling to Honduras. No, it took, I'll say, between the time I showed up to their office, it took them about two days to get it approved and finalized and then I was able to pick up and see the check and I was able to make the purchases so within five days' window from the day I arrived at the office I was able to travel. I would definitely recommend it to anyone within any branch because until that moment I was always embracing the program as an NCO. I was always telling my soldiers, hey, there's a program there that you can help you when you run into issues and I never thought of myself actually using the program and I didn't think it was going to be as easy as it was, the process. I thought it was going to be very intrusive but it wasn't. I was able to talk to them directly and they facilitated all the paperwork necessary for me to get the assistance that I needed to get my travels done. I used it in 2016. We ran into a family emergency which turned into a family tragedy. It was just a grandmother. Since 1942, Army Emergency Relief has supported 4 million soldiers with nearly $2 billion in financial assistance. Like every good new lieutenant, I purchased a brand new car and I bought a pretty expensive laptop in 1997. My BOQ flooded and I was told that I had to move into an apartment and I just spent pretty much my first paycheck. Within two days I already had a qualify for a grant and interest-free loan. You never know when a life emergency is going to happen and having that resource to turn to when you might not be able to get it from the banks at a young age is very beneficial. Go to AERHQ.org for more information.