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.
Need help with VA debt after a natural disaster?
For help with debt from benefit overpayments
Call our Debt Management Center at 800-827-0648 (TTY: 711). If you’re outside the U.S., call +1-612-713-6415. We’re here Monday through Friday, 7:30 a.m. to 7:00 p.m. ET.
Or contact us online through Ask VA. Select Veterans Affairs - Debt as the category.
Contact us online through Ask VA
For help with debt from health care copay bills
Call our Health Resource Center at 866-400-1238 (TTY: 711). We’re here Monday through Friday, 8:00 a.m. to 8:00 p.m. ET.
Review your benefit debt and copay bills online
Who can sign in to manage debt online
At this time, only Veterans and service members can use this tool to review their benefit overpayments 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 copay billing statements
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.
For copay bills
Copay bills include bills for services at VA health facilities or in-network community providers.
Other ways to make a payment
How to repay benefit debt by phone or mail
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
(1- 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
How to pay copay bills by phone, mail, or in person
You can also pay your VA copay bills in any of these 3 ways:
- Pay by phone: Call us at
(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
If you’re struggling to pay your VA benefit debt or copay bills, we’re here to help.
You can request help for VA debt online if all of these descriptions are true for you:
- You’re a Veteran, and
- You need to request a repayment plan of more than 5 years or debt relief (a waiver or compromise offer), and
- You need to request help for a VA disability compensation, pension, or GI Bill benefit overpayment or a VA health care copay debt
Request help with VA debt for overpayments and copay bills online
If this list doesn’t describe you, you can still request help with VA debt in other ways.
Learn about other ways to request help with VA debt
Note: The time limit to request a waiver (debt forgiveness) has changed. You now have 1 year from the date you received your first debt letter or copay bill to request a waiver.
Dispute charges
If you think your debt is an error, you can dispute all or part of the debt. You’ll need to submit a written statement explaining why you think the debt is incorrect. The time limit to dispute a debt is 180 days from the date you received your first debt letter. If you dispute the debt within 30 days, you can avoid collection actions.
You can submit your dispute statement by mail.
Send your statement to this address:
Debt Management Center
P.O. Box 11930
St. Paul, MN 55111-0930
What to do if you have questions about your VA debt
For questions about benefit overpayments
Call our Debt Management Center at
For questions about copay bills
Call our Health Resource Center at
More helpful information
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Get answers to common questions about managing debt related to VA disability compensation, non-service-connected pension, and education benefits.