Veterans Crisis Line. Call 988, then press 1. Text 838255. Chat at https://www.veteranscrisisline.net/get-help-now/chat/
NCO brief kit · Free
SCRA 6% — drill deck
Drill weekend does not cap the interest. Active-duty orders plus a written notice can.
8 min · Soldiers going on active-duty orders · Education only. Not a claim. Not Army or VA product.
Slide 1 · The cap · TOP's
6% on debt from before active duty. Not on a new loan you take now.
- Mortgage, car, credit card — if the debt predates the orders.
- One letter per account. Attach a copy of the orders.
- Keep the sent copy. The creditor has to answer.
1 / 3 · Verify on SCRA (Military OneSource) before anyone enrolls.
Slide 2 · How long · TOP's
Mortgages and other debt do not end on the same day.
- A mortgage rate reduction runs one year after active service.
- Other debt is while you are serving.
- Read the letter they send back. Do not assume the rate moved.
2 / 3 · Verify on SCRA (Military OneSource) before anyone enrolls.
Slide 3 · Not a 1SG signature · TOP's
The Soldier writes the creditor. Legal assistance can help.
- A drill weekend with no active-duty orders does not open this door.
- Walkthrough: /signup/scra-interest.
- Nobody collects account numbers in the bay.
3 / 3 · Verify on SCRA (Military OneSource) before anyone enrolls.
