SCRA HELP

Hello, i’ve been doing some digging but I want to hear from others who have successfully benefited from the SCRA.

Can SCRA be applied on closed out loans? Loans were acquired prior to enlistment (active duty) and paid off while still active duty. Just now seeing if applying SCRA to those loans would be worth it, would they honor paying the difference in interest that I have paid.

If I had a co-signer on a loan acquired prior to enlistment, and I use the SCRA, would the check of reimbursement just be in the service members name or the cosigner’s as well.

Thank you