Don't get me wrong. I was not saying to take a hard stance. There will be a PR issue here if the customer decides to take it to the media. However with that said, I have read military sources that state the same thing, and this web page
by Andy Z better explains what I was trying to say.
JAG also emphasises the material effect point. JAGCNET.ARMY.MIL
My situation: My husband became active duty on 11/12/03. I have not asked for any of my loans to be reduced (jointly, or seperate) based on the fact that our income was not materially effected by his active duty. In fact, since he was unemployed for 10 months prior to active duty, his current status had benefited us.