SCRA question concerning credit card debt???

[cjhill059]

So, before entering the military I defaulted on a student loan, my dad then used his bank of america credit card for an settlement offer. I've been paying the credit card for the past 5 years, so my question is can my dad authorize me as a user or whatever and then can I apply for SCRA? Also my dad was active duty military at the time.

[ICANHASMUNY?]

your Dad should have had the interest rate reduced to 6% if he was active duty

 

Zero percent interest for service in an area of hostile fire

and he could have had them deferred

For federal student loans, you can defer payment during certain periods of military service

 

https://s3.amazonaws.com/files.consumerfinance.gov/f/documents/201604_cfpb_servicemember-student-loan-guide.pdf

[cjhill059]

Thx for the info I thought the scra was only available for debt prior to entering military in regards to it being my dads acct

[ICANHASMUNY?]

but it was your debt, not his?