Good question. While the core of the matter is, did his circumstances change between the loan and the re-up, likely not, the SCRA doesn't address this as I recall. I think I'd weigh the interest differential to attorney's cost to research it. Then look further at the risks/costs of defending your position.
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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