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Former Spouse (Military) Debt Waivers

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Do I Qualify for a Waiver?

Former spouse claimants must submit a waiver application within five years of the date the debt was discovered by a pay official.

  • We cannot process your waiver request if you dispute your debt. You can ask your Retired Pay Office to conduct an audit before you proceed with the waiver application process. Once your audit is complete, you can pursue a waiver. If your account was audited, ensure that you attach the results of your audit, and a statement acknowledging the validity of the debt, with the waiver application.

What Do I Need for My Waiver to be Considered?

To apply for a waiver you must:

✓ Have a debt established on your pay account.
✓ Submit a waiver request within five years of the date the debt was discovered by a pay official.

​✓ Agree to the validity of the debt.
✓ Agree to the validity of the debt
Provide documentation to support your waiver request. ​ Required documentation may vary based on the type of debt you have incurred and your circumstances.  Provide all documents that describe how and why the debt occurred. If you reference a document in your waiver application you must provide the document. Supporting documentation MAY include:

  • Divorce Decree
  • Marriage License
  • Account Audit Results
Note: Failure to provide supporting documents may delay or prevent consideration of your waiver request.

How Do I Apply for a Waiver?

To submit your request for a debt waiver follow the steps below:

1. Contact the Retired Pay Office

This office should be able to explain the debt, ensure you understand the amount of the debt, and why it was established. If you did not receive a debt notification letter, you may call the Retired Pay Office at 1-800-321-1080. Once they have explained the debt, you may proceed with applying for a waiver.

2. Prepare

Complete boxes 1-19 on the DD Form 2789 – Waiver/Remission of Indebtedness Application, and gather supporting documents. *Please note: You may need to right click to download or the save the documents to your computer before you are able to fill them out.*

Decorative digital window icon SmartForm: For step-by-step guidance to help complete your DD Form 2789, click here.

Adobe Acrobat PDF Document Image PDF: Download and complete your DD Form 2789 in PDF format, click here.

To access DD Form 2789 instructions, click here.

3. Apply

Sign the DD Form 2789. Failure to do so may result in delayed processing. Submit the completed form and other required documentation to your Retired Pay Office. They will complete the remaining sections of the DD Form 2789 and submit the application to DFAS for consideration.

Return to the Debt and Claims DFAS Homepage

Page Updated July 7, 2023