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Learn what the PACT Act means for your VA benefits

Manage your VA debt for benefit overpayments and copay bills

Review your current VA benefit debt or copay bill balances online. And find out how to make payments or request help now.

Review your benefit debt and copay bills online

What you can do when you sign in

  • Check the amount and status of your VA debt related to VA disability compensation, non-service-connected pension, or education benefits
  • Check the amount and status of copay bills at each VA health facility where you receive care
  • Find out how to make payments or request help
  • Download billing statements, debt notices, and collection letters

Note: At this time, dependents of Veterans or service members can’t use this tool to check the status of their VA debt.

Make a payment now

Avoid late charges, interest, or collection actions. Pay your full balance or request help by the due date on your collection letter or billing statement.

Make a payment online

For VA benefit debt

Benefit debt includes debt related to VA disability compensation, non-service-connected pension, or education benefits. 

Repay your VA benefit debt at Pay.va.gov

Information you’ll need to repay benefit debt online

Heres what youll need:

  • Your VA file number or Social Security number
  • Your deduction code for each debt
  • Your credit card, debit card, or bank account information

You’ll find your VA file number or deduction code in your online debt information or paper payment remittance stubs or collection letters.

Note: Are you paying a full debt balance? Or do you get monthly VA benefits? Call us first at 800-827-0648 (or 1-612-713-6415 from overseas)(TTY: 711). We’re here Monday through Friday, 7:30 a.m. to 7:00 p.m. ET. We’ll confirm the amount you owe so you don’t overpay.

For copay bills

Copay bills include bills for services at VA health facilities or in-network community providers.

Pay your copay bill at Pay.gov

Information you’ll need to pay copay bills online

Heres what youll need:

  • Your account number
  • Your credit card, debit card, or bank account information

You’ll find your account number by signing in to manage your VA debt online. You’ll also find this number on your paper billing statement.

Other ways to make a payment

You can also repay debt related to VA disability compensation, non-service-connected pension, or education benefits in any of these 3 ways:

  • Pay by phone: Call us at 800-827-0648 (1-612-713-6415 from overseas)(TTY: 711). We’re here Monday through Friday, 7:30 a.m. to 7:00 p.m. ET. 
  • Pay by mail: Send a separate check or money order for each debt, payable to “U.S. Department of Veterans Affairs.” On each, print your full name, VA file number or Social Security number, and deduction code. Include your payment stubs or a note with the amount you’re paying on each debt.

    Mail to this address:

    U.S. Department of Veterans Affairs
    Debt Management Center
    PO Box 11930
    St. Paul, MN 55111

You can also pay your VA copay bills in any of these 3 ways:

  • Pay by phone: Call us at 888-827-4817 (TTY: 711). 
  • Pay by mail: Send your payment stub and a check or money order made payable to “VA” to the address listed here. Include your account number on the check or money order. 

Department of Veterans Affairs 
PO Box 3978 
Portland, OR 97208-3978

  • Pay in person: Go to the VA health facility that sent the bill. Ask for the agent cashier’s office. Bring your payment stub, along with a check or money order made payable to “VA.” Include your account number on the check or money order.

    Find your VA health facility

Request financial help or dispute charges

If you’re struggling to pay your VA benefit debt or copay bills, we’re here to help. We’ll work with you to find a repayment plan or other option. If you think your debt is an error, you can dispute the debt.

Request financial help or dispute charges for benefit debt or copay bills