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.