Learn About Waivers and Remissions

The first thing you need to do is to understand exactly why you are in debt. Questions regarding the debt, reason for the debt, and the validity of the debt should be addressed with your local finance, disbursing or payroll office.

Are You Attempting to Request a Waiver or Remission of Your Debt?

For information about each request, select the most appropriate option below.

What is a Waiver?

A waiver is an act of the government to intentionally relinquish its claim against an individual for a debt resulting from erroneous payments of wages or allowances. Financial hardship is not a consideration for a waiver. If you’re experiencing financial hardship, you have the right to establish a monthly installment repayment, click here for more information.

How do I Apply for a Waiver?

Waiver eligibility and submission requirements depend on who is applying. To determine what is required to apply, select your status below:

Image IconWe cannot process your waiver request if you dispute your debt. You do not have to agree that you should have to pay the debt back, but you must agree that the debt is valid against your pay account. If you state in the DD Form 2789 that you dispute or are protesting the amount, validity or type of debt against your account, DFAS will return your application to you.


Decorative information icon.DFAS does NOT have authority to process remissions for any military services. Inquiries should be directed to your service for application information and required documentation.

What is a Remission?

A remission is the cancellation of a debt or portion of a debt by the Secretary of a Military Department. 

Who is Eligible for Remission?

A remission is for military members or former military members who have a debt that was incurred on active duty after Oct. 7, 2001. Financial hardship, as well as other emotional aspects, may be considered for remission. The laws governing remissions may consider financial or personal hardship, a member’s value to the service, compassion, justice and good faith.

Finance/Disbursing Officials – click here for guidance concerning remissions.

DFAS Cannot Waive Debts From the Following Agencies:

Please contact the individual agency for applicable waiver procedures.

  • United States Coast Guard (USCG)
  • Department of Veterans Affair (VA)
  • DoD Education Activity (DODEA) 
  • Defense Intelligence Agency (DIA)
  • Health and Human Services (HHS) 
  • Environmental Protection Agency (EPA)

Do You Disagree With Your Debt?

Individuals reserve the right to dispute or protest a debt. To learn more about protesting/disputing your debt, visit Disputing/Protesting a Debt.

Decorative call-to-action, click to dispute or protest a debt.

Return to the Debt and Claims DFAS Homepage

Page updated July 7, 2023