SCRA benefits.
Made clear.
Learn how the SCRA may help with debt, housing, vehicles, family matters, and everyday contracts.
Start with what is changing.
Follow a short checklist, then go straight to the guidance you need.
What should I check first?
Work through your service dates, debts and contracts.
Start the checklist →Military movesWhat about my lease and bills?
Review housing, vehicles, services and professional licenses.
Plan your next steps →After active dutyWhich dates still matter?
Check the interest-request window and separate mortgage period.
See the dates →What can the SCRA help with?
Credit cards & borrowing
Interest relief on debt opened before service.
Mortgages & homeownership
Home-loan interest, foreclosure and home equity.
Vehicles
Auto loans, repossession and ending a lease.
Housing & leases
Rental leases, advance rent and eviction.
Phone, internet & services
Phone, internet and other service contracts.
Courts & collections
Court papers, judgments and legal deadlines.
Taxes, residence & voting
Taxes, residency, voting and spouse choices.
Insurance & professional coverage
Life, health and professional insurance.
Professional licenses & work
Professional licenses and business debts.
Storage, towing & property sales
Towing, storage and threatened property sales.
Family, dependents & survivors
Custody, shared obligations and family protections.
More SCRA protections
Waivers, allied service and other protections.
Check state protections
Some states offer extra help with debts, bills, leases, or service contracts during military duty.
See state guidesLook up your bank or credit union.
Find extra programs, account rules, and contact guidance where available.
Estimate interest relief.
Prepare a basic request.
Use your service dates, average balance, and APR to estimate a possible adjustment. Your creditor or servicer decides eligibility and the final amount.
Start an estimateReady to ask without estimating an amount? Prepare a basic request →
You control what you share.
Your balance, APR, account-opened date, and estimate stay out of the request. The download contains your written request and basic identifying facts.
Review and download it, then send it to your creditor or servicer with any required service documents.
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