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Can I Use My Husband’s CLRP to Repay My Student Loans?

Author Ron Kness is no longer in the service.

Q: My husband is a Reservist. He signed a 6-year contract, I believe. He has the $40,000 student loan repayment. He never went to college. Can he transfer that to me to repay my education loans? If so, would we just complete the DD 2475 with my information? He has been in for 1 year and we got married a month ago. My repayment begins next month.

A:  No he can’t use his Student Loan Repayment Program (SLRP) to pay back your loans. The main reason is the loans are not his in the eyes of the military. While he may have inherited them as part of marriage, they were not his at the time he enlisted. As additional information, only the following types of loans, made under the Higher Education Act of 1964, qualify for repayment:

  • Stafford Loan Program (formerly Guaranteed Student Loans (GSL);
  • Federally Insured Student Loans (FISL);
  • Perkins Loan (formerly National Defense Student Loan and National Direct Student Loans (NDSL);
  • Auxiliary Loans to Assist Students (ALAS);
  • Supplemental Loans for Students (SLS);
  • Consolidated Loan Program (CLP);
  • SMART Loans.
Comments  (2)

I have a similar issue. I’ve been married for 8 years and my wife is completing her masters with 48k in loans. I have no loans but she took them out while we were married, and they are all qualifying loans. Can i use my SLRP for those loans?

posted by Michael
12:22 am on April 5, 2011

Most likely not. Usually the SLRP is limited to the member’s loans and not those of a spouse.

posted by Ron Kness
9:29 am on June 21, 2011
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