Military Benefits

If you are a member of the military, you may be eligible for student loan benefits. Refer to the table below to see which programs are available.

Type of Options Armed Forces
(Air Force, Army, Coast Guard, Marine Corps, Navy)
National Guard
Servicemembers Civil Relief Act (SCRA) Reduced interest rate with a cap of 6% Reduced interest rate with a cap of 6%
0% Interest (Direct Loans made on or after 10/1/2008 only) While you are serving in a hostile area that qualifies you for special pay, you do not have to pay interest on eligible loans. While you are serving in a hostile area that qualifies you for special pay, you do not have to pay interest on eligible loans.
Military Deferment Suspend payments while serving in war on terror, national emergency, or temporary change of station. Suspend payments while serving in war on terror, national emergency or temporary change of station. Must be called to active duty by the President or the Secretary of Defense and paid for with federal funds.
Post-Active Duty Student Deferment Suspend payments after active duty military service and any applicable grace period until the earlier of (a) the date you resume enrollment at an eligible school on at least a half-time basis, or (b) 13 months following the completion of your active duty military service and any applicable grace period. Suspend payments after active duty military service and any applicable grace period until the earlier of (a) the date you resume enrollment at an eligible school on at least a half-time basis, or (b) 13 months following the completion of your active duty military service and any applicable grace period.
National Guard Forbearance Not Eligible. Temporarily suspend payments during qualifying Active State duty or Full-time National Guard duty when you do not qualify for a military service deferment or other deferment; and you were activated no more than 6 months after the last date on which you were enrolled in school at least half time.
Military DOD Student Loan Repayment Program Forbearance Temporarily suspend payments while military repays your loans. Temporarily suspend payments while military repays your loans.
Corporation for National and Community Service Forbearance Not Eligible.

Only AmeriCorps qualifies.
Not Eligible.

Only AmeriCorps qualifies.
Public Service Loan Forgiveness Forgiveness after 120 separate qualifying payments.

Learn more at StudentAid.gov/publicservice
Forgiveness after 120 separate qualifying payments.

Learn more at StudentAid.gov/publicservice
Total Permanent Disability Discharge for Disabled Veterans Discharge for 100% service-connected disability.
For more information visit www.disabilitydischarge.com
Discharge for 100% service-connected disability.
For more information visit www.disabilitydischarge.com
Heroes Act of 2003 Immediate family or school request IDR extension Immediate family or school request IDR extension
Public Service Deferment Suspension of payment for loans with outstanding balance on/before July 1, 1993. Suspension of payment for loans with outstanding balance on/before July 1, 1993.

Before you Deploy

  1. Consider granting Power of Attorney to an individual you trust so they can act on your behalf regarding your student loan account. Military legal assistance, including help preparing a Power of Attorney, is located on many bases, ships and installations. Find a Legal Assistance Office near you.
  2. Create an online account with your service provider to help keep you up-to-date on your loans and to quickly and easily update your contact information, including your email address so you can receive important account information. Emails may be blocked by the Armed Forces so you may want to use an alternate email address on your account to ensure you receive timely information.
  3. Review your repayment options including deferments, forbearances and repayment plans. Certain repayment plans may provide a better long-term benefit should you qualify for lower payment and loan forgiveness.
  4. Sign up to have your payments automatically withdrawn to ensure it remains in good standing.
  5. Place an active duty alert on your credit report to reduce the risk that you’ll become a victim of identity theft.