The military housing allowance, now called the Basic Allowance for Housing (or BAH), is nontaxable allowance paid to service members who do not live in government housing. Service members also receive a BAH if they are separated from their immediate family members.

If by better you mean “which will get more money,” then an allotment is the answer. An allotment can attach basic pay and the housing allowance (which you are not able to do under a garnishment). If by better you mean “which is easier to get,” then an allotment is again the answer. In most cases it is easier to obtain an involuntary allotment than a garnishment.