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Debt Repayment Options

Make a Payment

We accept full and partial payments for out-of-service debts, including payments toward an installment agreement. Penalties and interest will continue to grow until you pay the full balance.

Payment Methods:

Pay the debt in full within 30 days of receipt of your demand (debt) letter. 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.

Make an Online Payment via Pay.gov

To quickly and securely submit a payment online, please visit Pay.gov. Payment options include debit cards, checking/saving accounts and PayPal (linked to checking and saving accounts).

Payments can take up to nine days to appear on your DFAS account. For any additional questions about Pay.gov, click here.

Other Ways You Can Pay

We also accept Personal Checks, Cashier's Checks, and Money Orders. If you pay by check, it will be converted into an electronic funds transfer (EFT). This means we will copy your check and use the account information to electronically debit your account for the amount of the check. The debit from your account will usually occur within 24 hours, and will show on your regular account statement.

If paying via check or money order, please allow sufficient time for your check to arrive before the due date on your account or billing statement. To ensure proper posting, please include your account number on the check or money order.

Where to send your payment?

If the last line at the bottom of your billing statement begins with: The payment mailing address is:


DFAS, PO Box 979038, St. Louis, MO 63197-9000


DFAS, PO Box 979057, St. Louis, MO 63197-9000


DFAS, PO Box 979045, St. Louis, MO 63197-9000


DFAS, PO Box 979048, St. Louis, MO 63197-9000



Are You Out-of-Service and Need More Time to Pay, or a Lower Payment Amount

Avoid a penalty by filing and paying your debt by the due date, even if you can’t pay the entire amount that you owe, visit  Apply for a Reduced Installment Payment.
Decorative image, click to apply for a reduced payment.


Return to the Debt and Claims DFAS Homepage

Page Updated: July 7, 2023