SCRA Eligibility Checker
Four questions, thirty seconds. This is a quick screen, not a legal ruling. Your orders control.
- Covered
- Covered only if the conditions are met
- Not covered by the federal SCRA
Eligibility is binary and on paper: 50 U.S.C. § 3911 defines who counts, and § 3917 opens the window at receipt of orders. On State active duty, your state's protections are what to check.
How this works
Whether the SCRA covers you, and which protections attach.
The arithmetic
- Asks about your service component and status, and whether the debt predates your service.
- Maps your answers onto the coverage tests each protection uses.
- Returns the protections that attach, each linked to its guide.
The law behind this: 50 U.S.C. § 3911
Definitions: read the statute , or see where it sits in the whole Act .
What this does not account for
- A screening aid, not a determination. Coverage is decided by your orders and the statute, not by a checkbox.
- The pre-service test is the one that most often decides a real case, and only your loan documents settle it.
- Guard and Reserve coverage attaches to qualifying orders rather than to membership, so the dates on your orders govern.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.