The SCRA interest-rate cap is available for federal and private student loans, for both borrowers and cosigners.

Interest rate is capped at 6% during periods of active duty on federal student loans you received before your military service.

You won’t be assessed fees or any other charges while taking advantage of this benefit.

This benefit applies to loans that were obtained prior to active-duty service.

It is important to know the earliest benefit effective date for federal loans is August 14,2008, and active duty periods that fall on or after servicer who proactively checks the U.S Department of Defense Database, and will automatically apply the benefit to your eligible loans.

If the military active duty periods are different or the benefits is not applied to your loans, you’ll need to submit valid military documentation.

The fastest way to request SCRA is online or fill out the form.


Docufi Solutions is a private company committed to full transparency to our customers.  With that in mind please read the following disclaimers and Agree before continuing to our website.  We look forward to assisting you!

  •   Docufi Solutions is not a government agency, the Department of Education, or your loan servicer.
  • Docufi Solutions does not make loan payments on your behalf and loans remain in your name.
  1. All payment made to Doc U Fi Solutions are fees for our document preparation services.
  • You can do this yourself without a fee – all programs are freely available for enrollment through the Department of Education.