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Manage your VA debt

Use our online tool to check the status of your VA debt and find out what options you have to resolve it.

What types of debt can I check with this tool?

If you’re a Veteran or service member, you can check the status of debt related to your:

  • GI Bill or other VA education benefits
  • VA disability compensation
  • VA-backed or VA direct home loans
  • Veterans Pension

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

How can this tool help me manage my VA debt?

With this tool, you can:

  • Check the amount and status of your current debt 
  • Find out what to do next to resolve your debt
  • Download VA letters related to your debt

What type of account do I need to use this tool?

To use this tool, you must have one of these free accounts:

Who can I call for help with my debt questions?

This depends on your needs. Choose a category below to get contact information for the best department to call for help.

Paying or managing a debt or completing a Financial Status Report

Call our Debt Management Center:

If you have hearing loss, call TTY: 711

We’re here Monday through Friday, 7:30 a.m. to 7:00 p.m. ET. 

Sometimes, you may wait on hold due to high call volumes. To avoid this, the best times to call are Tuesday through Thursday from 10:30 a.m. to 12:00 noon, or from 2:15 p.m. to 4:30 p.m. ET. 

Benefit entitlement, why you have debt, or updating your information

Please call the VA office for your specific benefit type:

  • Disability compensation: 800-827-1000 (Monday through Friday, 8:00 a.m. to 8:00 p.m. ET)
  • GI Bill and other VA education benefits: 888-442-4551 (Monday through Friday, 8:00 a.m. to 7:00 p.m. ET)
  • VA health care copays: 888-827-4817
  • VA-backed home loans: 877-827-3702 (Monday through Friday, 8:00 a.m. to 6:00 p.m. ET)
  • Veterans Pension: 877-294-6380 (Monday through Friday, 8:00 a.m. to 4:30 p.m. ET)

You can also change your address and direct deposit information for some benefits online through your VA.gov profile.

Change your address on file with VA

Change your VA direct deposit information

More frequently asked questions about VA debt

  • There are many reasons you could have VA debt.

    You may have VA debt if you:

    • Had a change in your income or net worth. Your net worth includes all personal property you own (except your house, your car, and most home furnishings), minus any debt you owe. Your net worth includes the net worth of your spouse.
    • Had a change in your active-duty status 
    • No longer have a qualified dependent
    • Are sentenced to jail for a crime
    • Withdraw from or stop attending a class
    • Receive a duplicate payment or a payment you aren't eligible to receive

    These are not all the reasons you may have VA debt. If you have questions about why you have debt, please contact the office for your benefit type.

  • You can pay your VA debt using any of the 3 options listed below. 

    Note: Are you paying the full balance of a debt or do you receive monthly VA benefit payments? Please call us at 800-827-0648 (or 1-612-713-6415 from overseas) before making a payment. We’ll confirm the amount you owe so you don’t overpay.

    Option 1: Pay online

    Go to Pay.gov to pay by credit card or an ACH debit from your bank account (also called direct payment). Please pay each debt separately. 

    Option 2: Pay by phone

    Call us at 800-827-0648 (or 1-612-713-6415 from overseas) to pay by phone. We’re here Monday through Friday, 7:30 a.m. to 7:00 p.m. ET.

    Option 3: Pay by mail

    Please send us:

    • A separate check for each debt you owe, and
    • The payment remittance stub for each debt 

    Note: You’ll find these stubs at the bottom of each collection letter. If you don’t have them, include a note listing the debts you’re paying and the amount you want to pay toward each debt.

    Make checks or money orders payable to the “U.S. Department of Veterans Affairs.” On each check or money order, please print your:

    • Full name
    • VA file number or Social Security number
    • Deduction code

    Note: You’ll find the VA file number and deduction code printed on the left side of your payment remittance stubs and in the upper right corner of your collection letters.

    Mail your payment and remittance stubs to:

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

  • Contact us within 30 days of receiving your debt letter. We’ll work with you to set up one of the 4 options listed below.

    Our 4 debt payment options

    Option 1: Monthly offsets

    If you receive a monthly VA benefit payment, we may keep part or all of your payment each month to pay some of your debt. This is called offsetting your benefits. You can ask that we offset a smaller amount. 

    Option 2: Monthly payment plan

    If you can’t pay your debt in full, you can also propose a plan to pay in smaller monthly payments. 

    Option 3: Compromise offer

    If you don’t receive a monthly VA benefit payment and can’t pay monthly, you can propose a compromise offer. This means you ask us to accept less money than you owe and consider it to be full payment. If we accept your offer, you’ll have to pay the lesser amount within 30 days.

    Option 4: Debt waiver

    If you feel you shouldn’t have to pay your debt or if paying the debt would cause financial hardship, you can ask us to stop collection. This is called a waiver. If we accept your request, you won’t have to pay the amount waived. 
    Learn more about waiver requests

    To request an option for help with your debt

    Send us:

    • A letter. Explain the reason you need one of these options. If you’re requesting a monthly payment plan, monthly offsets, or a compromise offer, tell us how much you’d like to pay or have offset from your benefits.
    • A completed Financial Status Report (VA Form 5655). Include this if you’re requesting a compromise offer or waiver. Also include it if it’ll take you longer than a year to pay your debt in full through monthly payments or offsets. 
      Download VA Form 5655 (PDF)
    • Your first payment, if you’re requesting monthly payments or offsets. If you’re requesting a compromise offer, please don’t send payment with your request.


    Mail your letter and Financial Status Report to:

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

    Or fax them to us at 612-970-5688.

    We’ll contact you to confirm whether we’ve accepted your request and tell you how to make payments.

  • You can submit a waiver request to ask us to stop collection on your debt. If we receive your request within 30 days of when we sent your debt letter, we’ll stop collection until we make a decision on your request.

    To have your waiver request considered, you must submit it within a certain period of time from when you received your first debt notification letter. If we receive your request after 30 days, we won't stop collection while we make a decision.

    You must submit a waiver request within:

    • 180 days for disability, education, or pension debt
    • One year for home loan debt

    If we accept your request, you won’t have to pay the amount waived.

    To submit a waiver request

    Send us:

    • A letter. Explain why you feel you shouldn’t have to pay the debt or why paying the debt would cause financial hardship.
    • And a completed Financial Status Report (VA Form 5655). 
      Download VA Form 5655 (PDF)

    Mail your letter and Financial Status Report to:

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

    Or fax them to us at 612-970-5688.

    We’ll contact you to confirm whether we’ve accepted your request and tell you how to make payments.

    Learn more about waiver requests

  • Follow the steps below:

    1. Open or download VA Form 5655 (PDF)

    2. Complete the form on your desktop computer or laptop and then print it. Or, print a copy of the blank form and fill it out by hand. 

      Note: If you’re requesting a monthly payment plan, be sure to complete block 24B. Include the amount you propose to pay each month. 

    3. Sign the form.

    4. Mail your completed form to: 

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

      Or fax them to us at 612-970-5688.

    If you have more questions about how to complete the form, read our Financial Status Report FAQs.

  • You have 30 days from the time you receive your debt letter to pay us the full amount or request a waiver or other payment options.

    If you don't take action within

    30 days

    We’ll begin adding late fees to the amount you owe. 

    90 days

    We’ll take action to collect your debt. This may include keeping part or all of your monthly VA benefit payments to pay your debt (called offsetting your benefits).

    We’ll also notify federal and private credit reporting agencies. This may cause your credit score to decrease and affect your ability to get a loan.

    120 days

    We’re required by law to transfer your debt to the U.S. Department of the Treasury. At this point, we can’t help you manage your debt.

    The U.S. Treasury will add more fees and interest to your debt. They may collect your debt by keeping part or all of your federal or state payments. This may include your tax refunds, Social Security benefits, or any federal or state salary or retirement benefits. They may also refer your account to a private collection agency. 

    Learn more about debt referral

    Get answers to questions about debt management and referral

  • If you get a letter from us

    Contact us to pay your debt or ask about your payment options. Please contact us within 30 days to avoid having late fees added to the amount you owe.

    You can call us at 800-827-0648 (or 1-612-713-6415 from overseas). We’re here Monday through Friday, 7:30 a.m. to 7:00 p.m. ET.

    If you get a call or letter from the U.S. Department of the Treasury or a private collection agency or law firm

    Call the phone number on your collection letter, or talk to the representative, to ask about payment options. Call right away to avoid having more fees added to the amount you owe.

    Don’t send us payment directly. This will delay posting of payment to your account. And the U.S. Treasury or the private agency or law firm may keep adding fees and interest. 

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