Technically, they are not supposed to be able to do that. Both loans require Direct Deposit of Navy pay to a USAA account, and automatic loan payment deductions. You can only have 1 Direct Deposit set up for your Navy pay. At some point, auditors may catch it, and the penalty clause jacking up the loan rate to 18% may kick in for non-compliance with loan terms, if they do not see Direct Deposit from DFAS for Navy pay twice a month. The loans start requiring payment about 60-90 days after commissioning. Thatās when they catch them. Sometimes they donāt, but life has a way of handling fools with their money.