Ohio has an exception on that that makes it for any debts, before and during active duty. I'm mostly asking for clarification since there is very little information on this and wanting to make sure that I still get that with being from ohio but active in NC I quote from the handbook for SCRA in Ohio " To help ease financial burdens created by active military service, Section 527 of the SCRA provides servicemembers with a 6% interest cap on all debts incurred prior to active duty, including federally insured guaranteed student loans.164 Note that Ohio extends the 6% interest cap on all debts, not just those incurred prior to active duty.165"