You don't pay $3k up front. You buy your uniforms with 3 uniform cards, and pay back the money in the last week. You shouldn't have to take the USAA Starter Loan out to get through OCS Uniforms and your pay does come in by that time.I've been saving up thinking I could get through this thing without a USAA Starter, but it looks like maybe not. Its hard to account for E5 income at OCS since I've heard it takes a while to even get those paychecks coming in.