1 Star! Skyla FCU Flatly Denied All Hardship Help to a 31-Yr 100% Disabled Navy Veteran
1 Star! Unacceptable Treatment of a 31-Year 100% Disabled U.S. Navy Veteran in Extreme Financial Hardship.
I am a retired U.S. Navy Lieutenant Commander (31 years of active service, E-1 to E-9 Master Chief -> LDO LTJG to LCDR) and a 100% Permanent & Total (P&T) Service-Connected Disabled Veteran. Following a DOGE defense contractor layoff that caused a sudden loss of civilian income, I reached out proactively and in good faith to Skyla Federal Credit Union regarding our family's primary residence 2nd Mortgage HELOC (*0802 / #XXXXXX3464-L82).
I did NOT ask Skyla Credit Union to forgive a single dollar of principal. I pledged 100% full repayment of every penny owed and requested a temporary 12-month hardship workout at $500.00/month (from my guaranteed U.S. Navy retirement and 100% VA disability compensation) with past-due interest deferred to the rear of the loan until our veteran-owned business launches, after which the loan returns to its normal contractual interest-only rate.
Today (October 26, 2026), Skyla Credit Union Credit Solutions Assistant Manager Barbara Joyce flatly denied our hardship request in writing, claiming "an interest only home equity has been denied a hardship due to this is interest only. There are no other options for this loan."
Telling a 31-year 100% disabled Navy veteran fighting to keep his family's home after a layoff that "there are no other options"—when NCUA guidance explicitly authorizes temporary hardship rate reductions, rear deferral of past-due interest, and forbearance cure plans—is heartless and unacceptable. I am escalating this to the Better Business Bureau (BBB), NCUA, and CEO Eric Gelly.