Serving Our Heroes

Military Service Student Loan Benefits

Active duty service members, veterans, and military families deserve comprehensive support with their student loans. Discover exclusive military benefits including discharge programs, interest rate caps, deferment options, and specialized forgiveness opportunities.

6%

Max Interest Rate Cap

100%

Discharge Available

36

Month Deferments

Check Military Benefits View All Benefits
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SCRA
Protected
Honor Service

Military Service Student Loan Benefits

Comprehensive loan benefits available exclusively to military service members, veterans, and their families. From interest rate caps to complete loan discharge, we help you access every benefit you've earned.

SCRA Interest Rate Cap

6% maximum interest rate protection

The Servicemembers Civil Relief Act (SCRA) provides active duty military members with a 6% interest rate cap on all pre-service student loans. This benefit applies retroactively and can save thousands in interest payments during military service.

Automatic Reduction

All loans above 6% reduced to 6% during active duty

Retroactive Benefits

Rate reduction applies from start of military service

All Loan Types

Federal and private loans both covered

SCRA Savings Example

Original Rate: 8.5%
SCRA Rate: 6.0%
Monthly Savings: $125+

Example: $60,000 loan saves $1,500+ annually

Discharge Conditions

  • Service-Connected Disability

    VA rating prevents employment

  • Death in Service

    Died while performing military service

  • POW/Missing Status

    Prisoner of war or missing in action

Benefit: 100% loan discharge + refund of previous payments

Military Service Discharge

Complete loan forgiveness for qualifying situations

Service members who are unable to complete their education or repay loans due to military service-related circumstances may qualify for complete loan discharge. This benefit also includes refund of any payments already made.

All Loan Types

Federal Direct, FFEL, and Perkins loans

Tax-Free Discharge

No federal income tax on forgiven debt

Payment Refunds

Refund of payments made before discharge

Military Service Deferment

Payment postponement during service

Active duty service members can defer student loan payments during military service and for an additional 180 days after demobilization. This includes National Guard and Reserve activations.

Up to 36 months total deferment

No interest on subsidized loans

180-day post-service extension

Applies to: Active duty, National Guard, and Reserve members

PSLF for Military

10-year forgiveness pathway

Military service with the federal government qualifies for Public Service Loan Forgiveness. After 120 qualifying payments while in military service, remaining loan balance is forgiven.

All military branches qualify

Income-driven payment required

Direct Loans only

Benefit: 100% remaining balance forgiven after 10 years

Military Family Student Loan Benefits

Comprehensive benefits extending to military spouses and dependents

Military Spouse Benefits

  • SCRA spouse protection
  • Deployment deferments
  • Career scholarship programs

Military Dependents

  • GI Bill transfer benefits
  • Survivor benefit programs
  • Scholarship opportunities

Veterans Benefits

  • Total & permanent disability discharge
  • VA employment programs
  • Federal employee PSLF

Honor Your Service with Maximum Benefits

You've served our country with honor. Now let us serve you by ensuring you receive every student loan benefit you've earned through your military service, sacrifice, and dedication.

$18M+
Total Military Benefits Secured
3,500+
Service Members Helped
97%
SCRA Success Rate
$2,400
Average Annual SCRA Savings

Our Military-Focused Service Process

Service Verification

Complete review of military service records and qualification documentation

Benefit Analysis

Comprehensive assessment of all available military loan benefits and programs

Application Support

Expert assistance with SCRA requests, discharge applications, and benefit claims

Ongoing Advocacy

Continued support throughout your military career and veteran transition

Why Military Families Trust Our Service

Military Experience

Team includes veterans and military family members who understand your unique situation

SCRA Expertise

Specialized knowledge of military benefit requirements and application processes

Family-Focused Approach

Comprehensive support for service members, spouses, and military dependents

Deployment-Flexible Service

Support that works around deployments, PCS moves, and military schedules

Military Family Success Story

"As an Army sergeant with three kids, my student loans were crushing our family budget. The team helped me apply SCRA to reduce my interest rates from 9.2% to 6%, saving us $280 monthly. They also guided me through military service discharge when I was medically retired. Our entire $47,000 debt was forgiven, and we even received refunds of previous payments."

SSG Jennifer K., U.S. Army (Ret.)

Fort Bragg, North Carolina

Serving All Branches of Military

Navy

Active, Reserve, Veterans

Air Force

Active, Reserve, Guard

Army

Active, Reserve, Guard

Marines

Active, Reserve, Veterans

Coast Guard

Active, Reserve, Veterans

Get Your Free Military Benefits Assessment

Speak with a military student loan specialist who understands your service and sacrifice

Schedule Free Assessment Call Our Specialists

Confidential consultation • Veteran-owned business • Military family focused

Deploying Soon? Contact us immediately for expedited SCRA and deferment processing