End The Vicious Cycle of Chronic Financial Stress

Through financial counseling, emergency support, and a personalized plan, we help service members, Veterans, and their families break free from survival mode and build a path to financial wellness. This is how we fight homelessness, food insecurity, mental health crises, and suicide.

This is how we save lives.

Military Family

The Truth About Financial Stress

Financial stress doesn’t just drain bank accounts - it unravels everything.

Studies Show:
-23% of active-duty service members in suicidal crisis reported a financial stressor within 24 hours.
-
Service members and Veterans with savings and no debt report significantly better physical health.
-Finances are the 2nd leading cause of divorce.

When families regain financial control with STEP, they don’t just catch up, they change their entire lives.

Military Family

This Doesn’t Have to Be Your Breaking Point

If you're behind on bills, choosing between food and gas, or feel like you’re drowning in stress - you’re not alone.
Together, we’ll build a plan that gets you through crisis and beyond it.

Military Family

Fuel Hope. Fund Change.

Your support doesn’t just pay bills - it prevents homelessness, protects mental health, and keeps families together.
100% of families avoid losing their basic needs, and 90% stay on track for the long haul.
Give once. Give monthly. Just know you’re giving more than money.

You’re giving someone their life back.

A man in a military uniform hugs a child.
Powered By Generosity
A soldier hugging a woman in a red shirt.

The Hidden Cost of Service

Most Americans grow up without any formal education on managing money. So when over 200,000 young adults enlist in the military each year, eager to serve, many do so without the financial tools they’ll need.

They enter a life where stability is hard to come by - and sacrifice is demanded. Then the bills pile up. Savings disappear. One emergency, and everything comes crashing down.

But this isn’t a personal failure. It’s the hidden cost of service.

Frequent Relocations
Unreimbursed Expenses
Pay Falls Below Poverty Line
Spousal Unemployment
Deployments
5th most dangerous Job
Star Filled
4

Stars on Charity Navigator

8
4
%

Of funds go directly to programs

9
.
5
K

Military households with changed lives

$
3
.
2
M

Distributed in emergency funds

AND COUNTING
Join the 100+ families a month changing their lives

We've Moved!

New Permanent Headquarters:
8320 Juniper Creek Ln, San Diego, CA 92126

To schedule a tour contact us at info@teamstepusa.org or (858) 695-6810

Building The Future You Envision

Transforming Lives Through Financial Wellness

Behind the past-due bills is something bigger:

Stress that ripples into every part of life. The kind that affects mental health, physical health, relationships, and eventually, hope.

We stop that spiral. Our program isn’t just about solving the immediate crisis - it's about providing the tools to make this crisis a turning point, not a breaking point.

Group Task

Financial Counseling

Every family works one-on-one with a certified financial social worker who truly understands military life - because they’ve lived it.

Get personalized support from someone who gets it
Build the skills and confidence to take control - for good
Estimates

Personalized Education & Finance Plan

Whether you're in crisis or planning ahead, your social worker meets you where you are - with financial education shaped around your life, challenges, and goals.

Learn tailored strategies & tools specific to you
Build a personalized finance plan with actionable steps
Rewire your relationship with your finances
Move forward with clear goals & a plan that fits your life
Bank Account

Emergency Financial Support

If you’re facing the loss of a critical basic need - like housing, transportation, or utilities - we act fast.

Emergency funds paid directly to vendors (not loans)
Designed to stop the crisis & stabilize situation

Available to:

E1–E6 active duty service members
Veterans within 18 months of separation
Online Support

Year of Support

Your journey doesn't stop when the crisis does.

Your social worker will check in regularly for a full year to help you stay on track and adapt your financial plan when life changes.

You deserve a life that isn’t defined by financial stress.

Break Through the Shackles;
Decide it Ends Today

A life with choices, confidence, and the freedom to focus on what matters most is just an application away. Are you ready to take the first step toward lasting financial wellness?

A service member is filling out a form on a computer.

Complete The Application

Answer a few questions, upload basic docs (like your LES), and you’re set. Spouses can apply too - just list your service member as the applicant and yourself as the spouse.

A man in a military uniform hugs a little girl.

A Social Worker Gets Assigned

We’ll review your info and match you with a social worker in 3–5 business days. If you’ve received urgent paperwork (like a 3-day notice), upload it so we can prioritize your case.

A woman in a white shirt shakes hands with a man in a military uniform.

Your Social Worker Will Call

You'll receive a call, and your social worker will review next steps with you.  To avoid delays, keep an eye out for missed calls and check your inbox and spam folder for emails.

Happening Now

Are You A...

A woman in a pink backpack is handing out diapers to a woman in a grey shirt.
Support Programs

Monthly Distributions
San Diego County

Join one of our monthly distributions to pick up essential items like food, diapers, clothing, and more to help offset everyday costs.

man in white t-shirt and black shorts playing golf during daytime
Golf For a Cause

Your Swing Changes Lives

Join us for Swing Fore Our Heroes, a day of golf with a purpose. Every dollar raised helps combat homelessness, hunger, and crisis for military families who need us most.

take some dirt with that | golfing | green | golf | golf course | summer
swing fore our heroes

Tee Up Hope, Sponsor Real Change

Sponsoring Swing Fore Our Heroes isn’t just good for visibility - it’s an opportunity to drive real impact.

Financial stress doesn’t end with missed bills. It shows up in sleepless nights and strained relationships. Your support helps ease the mounting pressure and create a path forward.

This is your chance to show up for those who’ve served, in a way that truly matters.

Two middle age business workers smiling happy and confident. Working together with smile on face hand giving high five at the office
Partner with us to create lasting change

Let’s Serve Stronger, Together

We welcome partnerships with organizations focused on mental health, suicide prevention, housing, food access, financial wellness, and any other aligned missions. If your work helps individuals and families stay stable and move forward, we’d love to connect!

Two women are unloading boxes of lemons.
Together, We can change lives

Want to Make a Real Difference With Your Time?

Whether you're packing supplies in the warehouse, helping at distributions and events, or lending a hand in the office, volunteers keep STEP running. If you're looking for a hands-on way to support military families, we’d love to have you on the team!

Client Testimonials

Real stories of hope and resilience from military families.

“STEP gave us hope when everything felt like it was falling apart.”
Emily
Military Spouse
“I thought I was out of options. Then I found STEP.”
Mark
Veteran
“Because of STEP, we’re not just surviving anymore, we’re thriving.”
Alejandra
Military Spouse
"Because of STEP, I don't feel like a failure as a parent anymore."
Tyler
Veteran
“STEP helped me get back on my feet and believe in a future again.”
Malik
Service Member
“For the first time in years, I feel in control of my finances and my life.”

DeShawn

Service Member

“STEP didn’t just keep us in our home - they helped us reclaim our hope.”

Linh

Military Spouse

“They turned our lowest moment into a fresh start. We're stronger than ever.”

Tanya

Military Spouse

“We were days from losing our home. STEP saved us.”

Jared

Veteran

“They didn’t just help us pay our rent. They helped us get our life back.”

Sarah

Military Spouse

The Damage Goes Far Beyond Bills

Financial Stress Tears it's Way Through Every Part of Life

It starts with money, but it doesn’t end there. Chronic financial stress can unravel everything. That kind of pressure doesn’t just stop at a few missed bills - it triggers food insecurity, homelessness, mental health crises, and, for too many, suicide.

This is the path we interrupt.

01
Chronic Financial Stress

81% of active-duty service members & Veterans report financial stress each year

Food Insecurity

1 in 4 military families are facing food insecurity - 2x more than civilians

02
03
Homelessness

Veterans are 2x more likely to experience homelessness than the general population

Mental Health

Financial stress is linked to 3x the risk of anxiety & depression

04
05
Suicidal Ideation

Financial strain triples risk of suicide - the 2nd leading cause of death for Veterans under 45

Find a Location

Select a State

Become a Webflow Wizard