It is getting confusing and it depends on the definitions. Maybe I read the question wrong? Above I did say that it sounded from the description like the debt preceded the active duty date and would be covered.
In answer to your question, if I sign up for a delayed enlistment today, borrow from the bank tomorrow, and report for active duty the day after, that is pre-service debt and that would be eligible for SCRA rate protections. I volunteered for duty and my reporting date is two days from now. That is my active duty date.
I had a similar question from a banker some time ago. As I recall it was a reservist who received their orders, but wasn't reporting to active duty for some weeks or months. Debt that person had now could be claimed under the SCRA and revert to 6%. But this reservist went and borrowed money. The contractual rate was higher than 6% and they claimed after the loan was funded, that they wanted relief. Because they had not yet reported for active duty, they could create a gray area that by definition seemed to protect them. This was pre-service debt. I contacted a JAG officer who agreed that the reservist who borrowed between getting orders and reporting would be covered. He emphasized that this would be unethical. But that didn't do the bank any good. Yes, they could have fought it. But where would they have gotten? And the negative press would have been much more costly than the difference between the contract rate and 6%.
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AndyZ CRCM
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