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Manage your VA debt

Check the status of debt related to VA disability compensation, non-service-connected pension, or education benefits. And make payments or request help now if you’d like.

Check the status of your VA benefit debt

Here’s what you can do when you sign in:

  • Check the amount and status of each VA benefit debt
  • Find out what to do next
  • Download 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.

What type of account do I need to sign in?

You must have one of these free accounts:

If you don’t have any of these accounts, you can create an account now

Make payments on or request help with your VA benefit debt

As of October 1, 2021, we’re starting to send debt notification letters again. We’ll send these letters over the next several months. You don’t need to take action until you receive your debt notification letter. But if you choose, you can still repay your debt in full or request help now.

Learn more about how this debt collection restart may affect you 

What about VA medical care and prescription charges?

As of October 1, 2021, we’re starting to collect copays again. We continue to offer options for financial hardship assistance.

If you need help with debt related to VA medical care and pharmacy services, contact our Health Resource Center at 866-400-1238. We’re here Monday through Friday, 8:00 a.m. to 8:00 p.m. ET. If you have hearing loss, call TTY: 711.

You can also review your copay bills and current balances online and find out how to make a payment or request help.

Review and pay your VA copay bill

Make a payment 

You can make payments on your VA benefit debt online, by phone, or by mail.

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

Are you paying the full balance of a debt or do you receive monthly VA benefit payments?

Call us at 800-827-0648 (or 1-612-713-6415 from overseas) before you make a payment. We’ll confirm the amount you owe so you don’t overpay.

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.

Please send us these items:

  • A separate check or money order for each debt you owe (made payable to the “U.S. Department of Veterans Affairs”), 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.

Print this information on each check or money order:

  • Your full name
  • Your VA file number or Social Security number
  • Your 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

Request help

You don’t have to wait until you receive your debt notification letter to take advantage of debt relief options. Here’s how to request help with VA benefit debt now.

How to request a repayment plan of up to 5 years

We can work with you to set up a repayment plan that works for your situation. This will allow you to repay the debt in smaller monthly amounts over time. 

You can request a plan of up to 5 years in any of these 3 ways:

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

How to request other debt relief options

You can also request these other debt relief options:

  • Repayment plan of more than 5 years. This would allow you to repay the debt in smaller monthly amounts over more than 5 years.
  • Compromise offer. This means you offer a lesser one-time lump sum amount as full payment of the debt. If we accept your request, you’ll have to pay the one-time amount within 30 days.
  • Waiver. This means you ask us to forgive (or “waive”) part or all of the debt. If we accept your request, you won’t have to pay the amount waived.

Request help with VA debt

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