What does AER do if an applicant’s needs cannot be met with a loan?

The correct answer highlights that the Army Emergency Relief (AER) program takes a comprehensive approach to assist soldiers facing financial difficulties. When an applicant's needs cannot be fully addressed through a loan, AER may provide a combination of both a loan and a grant. This flexibility allows AER to better cater to the unique financial situations of service members, ensuring that those in need receive sufficient support to manage their crises without placing an undue burden on them.

This combination can help mitigate the financial strain on a soldier while providing the necessary funds to address essential needs, such as emergency medical expenses or unexpected travel costs. By utilizing both loans and grants, AER can offer a more tailored solution, allowing for some costs to be covered without the requirement of repayment, which is particularly important for those facing significant financial challenges.