Other than to "support the troops" there is no reason to go below 6% unless you want to earn other fees. Most fees are considered interest under the SCRA by definition. So an interest rate of 6% means those fees are turned off. If you drop below 6% you can charge fees, but you still need to do the math to ensure you don't exceed the 6%.
After the mortgage foreclosure problems involving SCRA violations, some creditors have settled on 4% rates, as I recall from the press.
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AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell