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Veteran & Military Debt
Service members and veterans have some legal protections most creditors don't advertise — including interest-rate caps during active duty and specific consumer-protection rules. Debt relief options are the same broad menu as everyone else's, but it's worth knowing what's specific to your situation first.
Sound familiar?
- •Active duty and dealing with debt taken on before deployment
- •Using VA disability or retirement income and unsure how it factors into repayment plans
- •Predatory lending targeted at military addresses/bases
- •Transitioning out of service with a gap in income
Options people in this situation weigh
- The Servicemembers Civil Relief Act (SCRA), which can cap interest rates on pre-service debt while on active duty
- Military OneSource financial counseling, a free benefit for active duty and some veterans
- VA-specific hardship programs for VA-backed loans
- The standard consolidation/settlement paths for anything not covered by a military-specific protection
Related reading
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