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Military Service Benefits

Aspire Servicing Center recognizes and appreciates the sacrifices made by members of the military and their families.

If you are or have been serving in the military and have federal loans, please visit https://studentaid.gov/publicservice.

SCRA Interest Rate Limitation

Under the Servicemembers Civil Relief Act (SCRA), the maximum interest rate that may be charged on an eligible loan is 6.00% during the period of the service member's qualifying military service.

Aspire Servicing Center will check the U.S. Department of Defense's Defense Manpower Data Center (DMDC) on a regular basis and automatically apply the SCRA interest rate limitation if the information in the DMDC shows that you qualify.

How to Apply

The SCRA interest rate limitation is automatically applied to your account if the DMDC indicates you qualify. If you have evidence of your military service that is more accurate than the information in the DMDC or if you are performing military service not reflected in the DMDC, you may either:

Armed Forces Interest Reduction Program

You may be eligible to have interest on your private student loans reduced to 0.00% for up to 24 months on your private student loans through the Armed Forces Interest Reduction Program if you meet all the following requirements:

  • While on federal active duty, you have a non-defaulted private student loan serviced by Aspire Servicing Center during the period of eligibility.
  • You are deployed between Sept. 11, 2001, and June 30, 2023.

Participating lenders include:

  • Alliant Credit Union
  • American State Bank
  • Arkansas Student Loan Authority (ASLA)*
  • Capitol View Credit Union
  • Community 1st Credit Union
  • Family Credit Union
  • Iowa Student Loan Liquidity Corporation
  • Louisiana Education Loan Authority (Lela)
  • Premier Credit Union
  • Veridian Credit Union

Note: We are required to issue a 1099-C form to the IRS and the borrower reporting a reduction of indebtedness of $600 or more. Consult your tax adviser regarding any tax consequences resulting from an interest reduction.

How to Apply

Call us at (800) 243-7552. See additional contact information.

Postpone Payment

You may qualify for a military service deferment or a post-active duty student deferment if you meet eligibility requirements.

If you have private student loans, assistance is also available if you are serving in the military. Contact us for details.

How to Apply

Complete, sign, have certified and return a Military Service and Post-Active Duty Student Deferment form (PDF).

Account Authorization

You may allow another person access to your account while you are on active duty or away from home.

If You Are... Then...
A service member who wants to allow another person access to your account Fill out and submit a Third-Party Authorization Form (PDF).
A service member who wants to allow another person to make decisions about and changes to your account Provide Power of Attorney and submit documentation, with your name and account number.
A family member or friend who wants to apply for military deferment on a service member's behalf Submit a completed deferment form and required supporting documentation to Aspire Servicing Center. Contact Aspire Servicing Center for assistance.
A family member or friend who wants to ensure the service member is receiving SCRA benefits Contact Aspire. (You must be an authorized third party on the account.)

Additional Resources

For more information:

* The Arkansas Student Loan Authority, a Division of the Arkansas Development Finance Authority, offers this benefit for the Arkansas Education Loan, Arkansas Family Education Loan and Arkansas Refinance Education Loan.

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