Cut your interest rates to 6%. It's federal law.
If you had debt before you joined (or before your Guard/Reserve activation), the Servicemembers Civil Relief Act caps its interest at 6% — and the lender must forgive the difference, back to your first day of service. Three steps: check, calculate, send the letter.
1. Do you qualify?
90 seconds. No account needed.
Which describes you?
2. Your debts
Approximate dates and balances are fine — the lender verifies exact figures.
No debts added yet. Start with the one that has the highest interest rate — usually the car loan or a credit card.
FreedomOps provides financial information and document preparation, not legal advice. The SCRA (50 U.S.C. § 3901 et seq.) has additional protections and edge cases — your installation legal assistance office reviews SCRA matters for free. We will never sell you a loan.