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Military Benefits Eligibility

How military benefits can work for you

Eligibility is based on your status and type of active duty. Review the guidelines below to determine if you can apply.

You may be eligible if you are:

  • On full-time active duty as a member of the United States Army, Navy, Air Force, Marine Corps, Coast Guard or a reserve component that is called to active duty. Active duty includes full-time training duty, annual training duty and attendance (while in the active duty service) at a school designated as a service school by law or by the secretary of the military department concerned.
  • On active service as either a member of the National Guard called to service by order of the Federal Government, or as a commissioned officer of the Public Health Service or NOAA.
  • Called to active duty under state-issued orders; some state laws provide similar benefits for National Guard members.
  • The spouse, domestic partner or dependent of a covered servicemember.

Those not eligible include:

  • Individuals who received their loan or credit while on active duty in military service are not eligible under the federal SCRA for the 6% interest rate cap or the protection from non-judicial foreclosure or repossession.
  • National Guard members, except when called to service by federal or some state-issued orders.
  • Military veterans whose service completion date is beyond 180 days are no longer eligible under the federal SCRA to request the 6% interest rate cap.