Disclosures & independence
Orders First is an independent educational service. It is not part of the Department of Defense, Department of Justice, a military department, a bank, a credit union, or a loan servicer. No government agency, bank, or credit union has endorsed Orders First.
Orders First is not a law firm and does not provide legal, tax, or financial advice. The information is general and may not fit every situation. For a court case, foreclosure, eviction, repossession, contested matter, or urgent deadline, seek qualified help promptly.
The interest estimate uses the dates, average balance, APR, and other facts you enter in a simplified federal 6% calculation. It does not calculate state relief or decide whether the law applies to your account. Your creditor or servicer decides whether you qualify and calculates any adjustment; the estimate is not a promised refund. Changing balances, rates, fees, account ownership, documents, and provider rules can change the result.
The basic federal 6% request you download contains the written request, your name, provider, account type, account last four, active-duty start, and optional email or phone. It does not include the account-opened date, balance, APR, estimate, or calculation. It does not request state relief, attach service documents, or capture a signature. You send it yourself; Orders First does not track a response or report an outcome.
Orders First summarizes federal and selected state protections and bank, credit-union, and servicer programs from official sources. Our state guides cover selected protections; choosing a state does not confirm that a law applies to you. Laws, guidance, programs, and contact details can change. If something looks wrong, send the page link, the statement you question, and an official source when possible—without sending sensitive personal information.
Organization names and trademarks identify the programs or contacts being discussed and do not imply affiliation or endorsement. Orders First does not currently display ads. If advertising is added later, it will be labeled and separated from editorial work, and it will not control which benefits, banks, credit unions, servicers, or sources appear.
Jordan Ellis is the pen name used for Orders First’s editorial work. Orders First uses AI-assisted tools to help research, organize, and draft editorial material. Those tools are not authors, experts, or independent reviewers. Orders First remains responsible for what it publishes, links to the sources behind material claims, and corrects supported errors.
Questions or corrections
Include the page address, a short description, and an official source when possible. Do not email military orders, statements, passwords, Social Security numbers, full account numbers, or birth dates.