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
  • Making payments while you're away
  • Establishing power of attorney
  • Protecting your credit with an active duty alert
Tips for military servicemembers
  • Addressing financial problems
  • Additional resources
  • Answers to commonly asked questions

Understanding the Servicemembers Civil Relief Act (SCRA)

The SCRA, enacted in 2003, is a federal law that provides protections for military members as they enter military service. Under SCRA guidelines, the interest rate on financial obligations obtained by a servicemember 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 five military branches (Army, Navy, Air Force, Marine Corps 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 regarding the SCRA, we recommend contacting Military OneSource.

Enroll in Sallie Mae SCRA benefits

You can request the SCRA benefit online or by calling us. You can also upload a copy of your military orders, if available, or send them by mail or fax. Please refer to the specific contact information below.

Contact information for servicemembers

Student loans

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

Our dedicated advisors are standing by to help you: Monday – Thursday 8 a.m. to 9 p.m.
Friday 8 a.m. to 8 p.m.
Saturday 9 a.m. to 6 p.m. ET.

Need to send us orders or documents?
Mail:
 Sallie Mae, PO Box 6566, Wilmington, DE 19804-6566

Credit cards

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

Our dedicated advisors are standing by to help you: Monday – Thursday 8 a.m. to 9 p.m.
Friday 8 a.m. to 8 p.m.
Saturday 9 a.m. to 6 p.m. ET.

Need to send us orders or documents?
Mail: Sallie Mae, PO Box 3009, Wilmington, DE 19804-0009

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