Pay My Debt

Defense Finance
and Accounting Service
Providing payment services of the U.S. Department of Defense


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 (

Checks and Money Orders


Voluntary Repayment Agreement - Financial Hardship Application (VRA-FHA)

If you have received a debt notification and billing statement from our office and you would like to request a monthly repayment agreement due to financial hardship, you can access the additional information and the application at the following link:  VRA-FHA

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

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 March 12, 2015