While AER is separate from the Army, it is controlled by it. The Army even pays the salaries for most of AER's employees. Because of this tight control, the Associated Press found:
• Superior officers come calling when AER loans aren't repaid on time. Soldiers can be fined or demoted for missing loan payments. They must clear their loans before transferring or leaving the service.
• Promotions can be delayed or canceled if loans are not repaid.
• Despite strict rules against coercion, the Army uses pushy tactics to extract supposedly voluntary contributions, with superiors using language like: "How much can we count on from you?"
• The Army sometimes offers rewards for contributions, though incentives are banned by program rules. It sometimes excuses contributors from physical training — another clear violation.
• AER screens every request for aid, peering into the personal finances of its troops, essentially making the Army a soldier's boss and loan officer.
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