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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)
Credit cards are no longer accepted as a payment option for online payments. Amazon Pay and PayPal accounts (linked to credit cards) are no longer available as payment options. Pay.gov payment options are bank branded debit cards, checking and saving accounts (ACH) and PayPal (linked to checking and saving accounts only - ACH). Questions?

Checks and Money Orders

payDFAS App
Out of Service debt customers can now pay their debts via the payDFAS App. It's easy to use, just scan the QR code on your debt letter to download the App. Once downloaded, scan the code again to bring up your account and follow the simple instructions.

  • The payDFAS App is convenient to use
  • The payDFAS App allows for anytime access to account information
  • The payDFAS App is safe and secure to use

Need help navigating the App, check out this eTutorial

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 http://www.dfas.mil/debtandclaims/paymydebt/hardshipdefermentapplications

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?

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Page updated July 12, 2019