• Must be a member of the uniformed services on active duty or absent from that duty due to sickness, wounds, leave, or other lawful cause, or a U.S. citizen serving with a U.S. allied force in prosecution of war or military action, if such service is similar to "military service" as defined under the SCRA.

  Uniformed service includes:

  • Army
  • Navy
  • Air Force
  • Marines
  • Coast Guard
  • Space Force
  • National Guard (must be called to active duty for more than 30 consecutive days for purposes of responding to a national emergency declared by the President and supported by Federal funds.)
  • Commissioned Officer of the Public Health Service or National Oceanic and Atmospheric Administration
  • State Service, if your state provides such protection under the law

NOTE: Depending on the eligibility requirements of your lender, the spouse or dependent of an active duty servicemember may be eligible for SCRA benefits. Some lenders may require your loan to be obtained before your active duty start date. Your lender may also require you to request the benefit within 180 days of your active duty end date. Please contact us for more information.

To meet the eligibility requirements for SCRA, we may need a request for the benefit from you or your representative (as defined by your lender). The request may be provided via one of the following methods:

• Email
• Fax
• Phone
• Postal Mail
• Chat
  
  

  NOTE: Sign in to your online account and select Contact Us to chat during our office hours.

If you are unsure if you are receiving this benefit, you can call us toll free at 1-800-233-0557 for additional information. You may also send the SCRA form (PDF), along with a copy of your military orders, by one of the following methods:

Mail: American Education Services
ATTN: SCRA
P.O. Box 2461
Harrisburg, PA 17105-2461

Fax: 717-720-3916

NOTE: If you cannot provide your military orders, you may return the form. We encourage you to send your orders as soon as possible.