Defense Finance
and Accounting Service

Providing payment services of the U.S. Department of Defense

1-888-332-7411

MyPay

INDIVIDUAL OUT-OF-SERVICE DEBTS

Payment Methods

An account statement with payment coupon and return envelope are provided for your convenience. If you elect to make regular monthly payments, you will receive your monthly account/billing statement approximately 3-4 weeks prior to the next payment due date. Accounts not paid-in-full within 30 days from the initial notification date are considered delinquent and assessed interest and other charges as required by law (see other charges on account below).

Online Payments (Pay.gov)

Checks and Money Orders

 

Minimum Monthly Payment Amounts

Generally, accounts must be repaid in full within 36 months of our initial notice. If the original debt amount is less than $1,500.00 the minimum monthly payment amount is $50.00. If the original debt amount is greater than $1,500.00 the required monthly payment amount will be greater than $50.00 and reflected on your monthly account/billing statement. Please contact the Customer Care Center at 866-912-6488 to make any adjustments to your established payment amount.

Lump Sum Payments

Provided your lump sum payment is received within 30 days from the date of our initial notice, your account is settled and you will receive a zero-balance/paid-in-full billing statement within 30 days.

Other Charges on Account

Interest
Your account statement reflects the Treasury interest rate for your debt, and interest will begin to accrue on the unpaid principal balance 30 days after the initial debt notification date.

Administrative Fees

A $15.00 administrative fee will be assessed on your account for each of the following:
  • No payments received within 62 days of the initial debt notification date.
  • Initial referral to the credit bureaus.
  • Initial referral to a private collection agency.
  • Initial referral to the Treasury Offset Program.
  • Any personal check not processed by your bank due to "insufficient funds."
Penalty Charges
Penalty charges equal to 6 percent of the unpaid principal balance will begin to accrue on your account if there are no payments received within 121 days of the initial debt notification date.

What happens if I don’t pay my debt?

Contact Us

Page updated June 10, 2011