He's right. (I've got a turbo as proof.
) If you're not in the military, you just need to pay the $20 fee to the NMFA which is a program that supports military families. Anyone is eligible. It's a good cause, and a crazy rate. (That 3.99 was even crazier before other rates came down.) Just don't be a deadbeat and not pay your loan. You don't want to screw over an oganization that helps our troops' families.