Soldiers get loans and owe money just like the rest of the world, the problem is that some Soldiers get in over their heads with
debt or mismanage their money. Immediate action to resolve the Soldier's debt should be take upon notification to the Chain
of Command. The first step is to talk to the Soldier about his debt and find out why the Soldier did not fulfill his commitment
and counsel the Soldier on a
DA Form 4856, developmental counseling form. The Soldier should also be enrolled in financial
management classes which are available at the local Army Community Service. The Soldier must also be informed about the
consequences of not paying debts such as UCMJ actions and losing their security clearance. Get
Counseling Statement
Example for Indebtedness, Soldier Debt
and over 25 counseling templates with Counseling Examples 1.0 AR 685-10
Soldier in debt
Army Counseling Examples, Soldier debt
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