Servicemember Student Loan Affordability Act of 2025

This bill amends the Servicemembers Civil Relief Act to create a new 6% interest rate cap for student loan consolidation or refinancing. Specifically, it limits interest to 6% on loans consolidated or refinanced during military service to cover student debt incurred *before* service (not new debt during service). This applies to active-duty servicemembers (or jointly with their spouse) who refinance pre-service loans while serving. The change affects how military members manage existing student debt during their service, without altering interest rates on other loans or providing debt forgiveness.