SCRA 6% interest cap
What you getDebts you took on before active duty can be capped at 6% while you serve.
Key facts- Covers pre-service debts like car loans, credit cards, mortgages, home equity loans and student loans, including joint debts with a spouse.
- Interest above 6% is forgiven (not deferred), back to the first date you were eligible.
- Mortgages: the cap lasts during service plus 1 year. Other debts: during service.
- Send written notice plus your orders no later than 180 days after your service ends.
How to applyHow to get it: Send your lender a written request (their secure message portal counts) with a copy of your orders or a commander's letter.
Go to the official page →
Source: U.S. Department of Justice · checked Oct 20, 2026
Break a lease on orders
What you getThe SCRA lets you end a home lease when you get qualifying orders.
Key facts- Applies after you enter service, or when you get PCS orders or deployment orders.
- You must give written notice plus a copy of your orders.
- For month-to-month leases, the lease ends 30 days after the next rent due date.
How to applyHow to get it: Give your landlord written notice and a copy of your orders. Your legal assistance office can help if the landlord pushes back.
Go to the official page →
Source: U.S. Department of Justice · checked Oct 20, 2026
End a phone contract on orders
What you getNo early termination fee when orders move you out of your carrier's coverage.
Key facts- For relocations of at least 90 days to a place your provider doesn't serve.
- You must have signed the contract before you got the orders.
- The provider must refund prepaid amounts within 60 days (except the current billing month).
- Family plans can be ended for everyone relocating with you. Providers can hold your number up to 3 years.
How to applyHow to get it: Send your carrier written or electronic notice, a copy of your orders, and the date you want service to end.
Go to the official page →
Source: FCC.gov · checked Oct 20, 2026
Free wills and powers of attorney (JAG)
What you getMilitary legal assistance offices prepare wills and powers of attorney at no cost.
Key facts- Eligible service members, retirees and dependents can get free legal help, including wills and powers of attorney (10 U.S.C. § 1044).
- Services offered and hours vary by office.
How to applyHow to get it: Find your nearest office with the Armed Forces Legal Assistance locator.
Go to the official page →
Source: Armed Forces Legal Assistance (official locator) · checked Oct 20, 2026
