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

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.

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