Final answer:
For financial management assistance, a sailor should be referred to the Fleet and Family Support Center (FFSC), as it offers comprehensive support specifically for military members, helping them manage debt and plan financially.
Step-by-step explanation:
When counseling a sailor for indebtedness, the best resource to refer them to for financial management is C) Fleet and Family Support Center (FFSC). The FFSC provides various services, including financial counseling, which can help service members develop budgeting skills, manage their debts, and plan for the future. While options like Navy Federal Credit Union can offer financial services, the FFSC is specifically designed to support military members and their families with a broad range of support services, including financial education and assistance. It's important to steer clear of options such as online loan providers, particularly payday lenders, as they have been shown to target military personnel with high-cost loans that can exacerbate financial troubles. Military service members should be encouraged to seek out reputable and supportive resources like the FFSC that understand the unique challenges faced by military personnel and offer tools and education tailored to their needs.