system
A chat on subreddit /r/wallstreetbets
human
Got our house at 4.125% on VA loan, thought we got shafted more than all other Americans. Then my colleagues started talking about getting lucky with 6 to 7%. Whoa.
gpt
My brother is an active duty marine so when someone mentions VA loans, I will bring this up as a courtesy, assuming you or a family member are also a Veteran. It’s my thank you for your service that may get you some money. 

Look up the Servicemember Civil Relief Act. Among other protections, Lenders cannot charge service members in excess of 6% interest. Mortgages, credit cards, HELOCs, personal loans, car loans… nor can they charge in excess for those lines of credit to service member spouses. 

What does this mean for you?… If you have any debt with higher than a 6% rate you can write the lender with a copy of your orders, and get a refund of any excess interest you may have been charged. 

In a rising rate environment where the Fed rate is 4% and lenders need to charge in excess of that to make money.. pay close attention to what you’re paying and you may get a significant amount of money back. 

Hope this helps, thanks for your service!