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The Servicemembers Civil Relief Act (SCRA) provides a wide range of protections for individuals entering, called to active duty in the military, or deployed servicemembers. It is intended to postpone or suspend certain civil obligations to enable service members to devote full attention to duty and relieve stress on the family members of those deployed servicemembers.

When does the SCRA protect me?
Most SCRA protection begins the day you receive your orders to active duty or deployment. As a practical matter, you should be ready, and expect to present a copy of those orders to whomever you ask for some right or benefit under the Act.

How does the SCRA protect me?
SCRA protection covers issues such as rental agreements, security deposits, prepaid rent, eviction, installment contracts, credit card interest rates, mortgage interest rates, mortgage foreclosure, civil judicial proceedings, automobile leases, life insurance, health insurance and income tax payments. You may be eligible for certain protections. Consult your attorney to verify your eligibility.

I have heard about 6% loans. How do I get them?
You may be entitled to have the interest rate on some of your loans reduced to 6% for the time you are on active duty. There are a number of special requirements. You may be eligible if you and your loan meet the following conditions: 

• You took out the loan during a time when you were not on any form of active duty in any branch of the military. 
• The interest rate is currently above 6% per year.
• Your military service affects your ability to pay the loan at the regular (pre-service) interest rate. Generally this requirement means that you make less money in the military than you made as a civilian. There are some special legal issues here - you should be ready to talk to your attorney about your entire financial situation.
• You notified the lender. 
  
  Source:  Military.com