There have been many different opinions offered regarding "the loan." My question for all you experienced folks - are there financial advisers available to the mids at USNA? A company called First Command has been recommended to me but my son was concerned there would be fees involved. He's very risk averse and not looking to doing anything more than a safe investment for the future. No vacations or a fancy car in is plan. I'm just a sounding board for him and would like to at least have a decent sense of what's what. Thanks for your opinions.