Benefits for our servicemembers

Military service means sacrifices from the entire family and we appreciate all that you do for our country.

Helping the families who serve our nation is an honor and a privilege. You have unique needs, so we have dedicated resources available to help you.

Manage your account during military service
  • Make payments while you're away
  • Establish power of attorney
  • Protect your credit with an active duty alert
Tips for military servicemembers
  • Address financial problems
  • Additional help
  • Answer commonly asked questions

Get to know the Servicemembers Civil Relief Act (SCRA)

The SCRA, enacted in 2003, is a federal law that protects military members when they enter military service. Under SCRA guidelines, the interest rate on a servicemember’s financial obligations obtained prior to military service is capped at 6% during eligible periods of military service.

Since January 2015, we’ve capped interest rates at 5% for accounts held by servicemembers eligible for the SCRA benefit—no matter when you opened your account. We extend the SCRA benefit for an additional year after military service ends and don’t charge any fees on eligible accounts.

Under the SCRA, "military service" includes:
  • Full-time, active duty members of the six military branches (Army, Navy, Air Force, Marine Corps, Space Force, and Coast Guard)
  • Reservists on federal active duty
  • Members of the National Guard on federal orders for a period of more than 30 days
The SCRA also includes:
  • Servicemembers absent from duty for a lawful cause or because of sickness, wounds, or leave
  • Commissioned officers in active service of the Public Health Service (PHS) or the National Oceanic and Atmospheric Administration (NOAA)
  • Individuals who co-signed a loan for, or took out a loan with, a SCRA-eligible servicemember

You can access and read a copy of the SCRA. For additional information about the SCRA, we recommend contacting Military OneSource.

Enroll in Sallie Mae SCRA benefits

Download the SCRA Notice of Eligibility form here and be sure to have it completed by your Commanding or Personnel Officer. You can also call us to request the benefits. Upload a copy of your military orders, if available, or send them by mail with the specific contact information below.

Contact information for servicemembers

Student loans

Reach us at 855-534-2668. If dialing internationally, please call 877-224-9408.

Need to send us orders or documents?

Upload through your account or mail to Sallie Mae, PO Box 6566, Wilmington, DE 19804-6566.

Related Topics