Does SCRA cover spouses?

Generally, SCRA protections cover both regular active-duty military members and Guard and Reserve members who’ve been activated under federal orders, and their spouses.

Does the military pay for spouse’s student loans?

Will the military pay off student loans? Yes, but not for spouses. The best-known is the military college loan repayment program (CLRP). That student loan repayment program is used as an enlistment incentive for those joining the military and is not available for commissioning officers.

Who is not eligible for SCRA benefits?

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.

Who qualifies for SCRA?

SCRA Eligibility The SCRA covers all active duty service members, reservists and the members of the National Guard while on active duty. The protection begins on the date of entering active duty and generally terminates within 30 to 90 days after discharge.

What is military spouse exemption?

The Military Spouses Residency Relief Act. It allows military spouses to maintain legal residence in the state where they lived before a permanent change of station move with their active-duty service member.

Are dependents covered under SCRA?

The SCRA protects both active-duty military members, reservists and members of the National Guard when called to active duty (starting on the date active-duty orders are received). In limited situations, it also covers dependents of military members (e.g., certain eviction actions).

Are military spouses eligible for student loan forgiveness?

Military spouses with federal loans can utilize the Public Service Loan Forgiveness (PSLF) program, which requires that borrowers make 120 payments while working for a qualifying employer in order to have their loan balance forgiven.

How do I request SCRA benefits?

If you’d prefer sending a paper request, you can fax your SCRA Benefits Request Form to 1-866-516-4023, or mail your request to the address listed below. Please be sure to include military orders or a letter from your commanding office on military letterhead that shows your active duty period(s).

What loans does SCRA apply to?

The following types of financial obligations, among others, are currently eligible for the six percent SCRA interest rate benefit: credit cards; automobile, ATV, boat and other vehicle loans; mortgages; home equity loans; and student loans.

Can SCRA be waived?

Your SCRA protections cannot be contracted away or waived except in certain circumstances. You should always first meet with a military legal assistance attorney to find out whether the SCRA applies to your situation, and whether your state may have similar protections, such as for residential lease agreements.

Do SCRA benefits extend to spouses?

In the tragic event that a service member dies while on active duty, SCRA benefits essentially end, but the Department of Defense (DoD) and the Department of Veterans Affairs (VA) provide many benefits for the surviving spouse and any children.