u/BackgroundYou2042

I need some advice about applying for Ohio SCRA for a debt incurred after I joined. TLDR I am an Ohio resident, currently in the space force stationed in Colorado, I got a loan for a vehicle that I bought while in service using a Ohio bank, I reached out to my bank requesting for them to apply SCRA and they replied I only qualify for the SCRA if I am deployed or deployed OCONUS. Is this true or should I qualify for SCRA?