SCRA Refund Calculator

The 6% cap is retroactive to your first day of duty. Every month a pre-service lender charged you more is money they owe back. Estimate your claim.

Turn the estimate into a claim:

Never sent notice? You have until 180 days after separation. Generate the letter; it demands retroactive recomputation.
Cap applied late or only from your letter date? Dispute per the refund guide.
Guard/Reserve: run this per activation. Each period is its own claim.

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.