Command your financial future
Federal law caps the interest on debt you took on before active duty at 6% — but only if you ask your lender in writing. FreedomOps works out what you are owed, writes the letters, and tracks the replies. Then it builds the payoff plan around your actual pay.
Not a DoD system. FreedomOps is not affiliated with, endorsed by, or sponsored by the Department of Defense or any government agency.
- Auto loan opened before active duty
- $18,400
- Rate on the contract
- 21.9%
- Rate once the cap is applied
- 6.0%
- Interest removed
- $2,918
Illustration only, over the remaining term of a sample loan. Your figures depend on your balance, rate, and dates — the tool calculates them from your own debts.
Three steps, about ten minutes
The rate-cap tool is free and always will be. You do not need an account to find out whether you qualify.
Check eligibility
A short quiz on when you enlisted and when each debt was opened. The 6% cap applies to debt you took on before active duty.
See what it saves
Add your debts and we show the interest the cap would remove from each one, before you send anything.
Send the letters
We generate the written request each lender requires, with their specific mailing or upload instructions, then track who has responded.
What you get with an account
Debt payoff planner
Snowball or avalanche, scheduled against your real pay dates. See the payoff date move when you change the extra payment.
Military pay tools
Read your LES into the plan so BAH, BAS, and special pays are part of the math instead of an afterthought.
Credit tracking
Record score snapshots over time and see which payoff order moves utilization fastest.
Budgets and goals
Category budgets and savings targets, including a starter emergency fund sized to your own expenses.
AI advisor
An optional read on your numbers with three concrete next actions. Educational only, never a recommendation to buy anything.
Formation Accountability
A separate module for platoon-level daily PERSTAT. Feature-flagged and kept fully isolated from any financial data.
Where we stand
We do not sell your data
Not to lenders, not to advertisers. Data from linked financial accounts is never used for advertising.
We are not selling you a loan
No referral fees, no lender partners, no products of our own. The rate-cap tool exists to take interest away from lenders, not to route you to another one.
This is not financial advice
FreedomOps is an informational tool. Payoff plans and AI output are estimates. Verify pay and benefit figures against DFAS, myPay, and official .mil sources.