TIL of the Servicemembers' Civil Relief Act. While in active duty military, you can submit a request to your credit card lenders to lower your interest rate to a maximum of 6%,
Servicemembers Civil Relief Act (SCRA) & VA Loans
How Will Debt Settlement Affect My Credit Score?
Debt Relief Programs: Explore Your Options and Make a Plan
Servicemember Civil Relief Act: Creditors Literally Pay It Forward | Military Spouse