7:30 a.m. to 4:00 p.m. EST

Contact Us
Privacy Information


Reduced Installment Payment Request

If you have a Financial Hardship and need to make different payment arrangements you will need to complete, sign, and return the Voluntary Repayment Agreement (VRA) and the Financial Hardship Application (FHA). 
How to Apply for a Reduced Installment Payment Request
  1. Access the DFAS Reduced Installment Application and Voluntary Repayment Agreement (VRA) and the Financial Hardship Application (FHA). **Please note: You may need to right click to download the documents to your computer before you are able to fill them out.**
  2. In the opening paragraph, enter full name and indicate the date of the demand (debt) letter.
  3. Under payment obligation, indicate your proposed monthly payment amount, in the block provided in paragraph one.
  4. Complete, print, and sign the VRA and the FHA.
  5. Submit the completed form and other required documentation to DFAS via askDFAS. 
  6. Once you have submitted your request for installment payments, begin making your monthly payments while your packet is in review. If no payments are received on your account, you are running the risk of your account being forwarded to the credit bureaus, Department of Treasury, and Treasury Offset Program. Please send payments to the address shown on your demand (debt) letter.
It’s imperative to read all instructions and include your account number on all forms, which is provided in the original debt letter you received. Fill out, print, and sign the Voluntary Repayment Agreement (VRA) and Financial Hardship Application (FHA) prior to submitting it to DFAS. 

Note: Please be aware that processing times may be delayed or returned if Voluntary Repayment Plans and Financial Hardship (VRA/FHA) forms are handwritten and not legible. For faster processing, we recommend you complete the forms electronically or submit typewritten forms.
How to Submit your Packet to Request an Installment Payment 
  1. Access askDFAS here
  2. Under Categories, select ‘Debt Repayment’
  3. Under Subcategories, select ‘DFAS Proposed Installment Payment’
  4. Enter your information
  5. Upload completed and signed VRA/FHA/Supporting Documents
  6. Click Submit
For step-by-step guidance for submitting your application on askDFAS click here.

If you would like to submit an Electronic Repayment Agreement , you can use the tool, click here to access.
Payment Methods:
  • Online Payments (Pay.gov)
Pay.gov payment options are bank branded debit cards, checking and saving accounts and PayPal (linked to checking and saving accounts). 

Questions about Pay.gov, click here 
  • payDFAS App
Scan the QR code on your demand (debt) letter to download the App. Once downloaded, scan the code again to bring up your account and follow the instructions.

 If you need help navigating the App, visit this eTutorial.
  • Checks and Money Orders

We accept: Personal Checks/Cashier's Checks/Money Orders/Paying by check. If you send us a check, it will be converted into an electronic funds transfer. 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. Link here to learn more.
If paying via check or money order, please mail your 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.

Payment Mailing Address:
If the last line at the bottom of your billing statement begins with: The payment mailing address is:
PO Box 979038
St. Louis, MO  63197-9000
PO Box 979057
St. Louis, MO 63197-9000
PO Box 979045
St. Louis, MO 63197-9000
PO Box 979048
St. Louis, MO 63197-9000
Return to Debt Repayment Options
Page updated May 13, 2022