VA DEBTS

Manage your VA debt for benefit overpayments and copay bills

Review your current VA benefit debt or copay bill balances online. And find out how to make payments or request help now.

Need help with VA debt after a natural disaster?

Review your benefit debt and copay bills online

Who can sign in to manage debt online

At this time, only Veterans and service members can use this tool to review their benefit overpayments and copay bills online.

What you can do when you sign in

  • Check the amount and status of your VA debt related to VA disability compensation, non-service-connected pension, or education benefits
  • Check the amount and status of copay bills at each VA health facility where you receive care
  • Find out how to make payments or request help
  • Download copay billing statements

Make a payment now

Avoid late charges, interest, or collection actions. Pay your full balance or request help by the due date on your collection letter or billing statement.

Make a payment online

For VA benefit debt

Benefit debt includes debt related to VA disability compensation, non-service-connected pension, or education benefits. 

Repay your VA benefit debt at Pay.va.gov

For copay bills

Copay bills include bills for services at VA health facilities or in-network community providers.

Pay your copay bill at Pay.gov

Other ways to make a payment


How to repay benefit debt by phone or mail

You can also repay debt related to VA disability compensation, non-service-connected pension, or education benefits in any of these 3 ways:

  • Pay by phone: Call us at  800-827-0648 (1- 612-713-6415 from overseas)(TTY: 711). We’re here Monday through Friday, 7:30 a.m. to 7:00 p.m. ET. 

  • Pay by mail: Send a separate check or money order for each debt, payable to "U.S. Department of Veterans Affairs.” On each, print your full name, VA file number or Social Security number, and deduction code. Include your payment stubs or a note with the amount you’re paying on each debt.

    Mail to this address:

    U.S. Department of Veterans Affairs
    Debt Management Center
    PO Box 11930
    St. Paul, MN 55111

How to pay copay bills by phone, mail, or in person

You can also pay your VA copay bills in any of these 3 ways:

  • Pay by phone: Call us at  888-827-4817 (TTY: 711).
  • Pay by mail: Send your payment stub and a check or money order made payable to "VA” to the address listed here. Include your account number on the check or money order. 

Department of Veterans Affairs 
PO Box 3978 
Portland, OR 97208-3978

  • Pay in person: Go to the VA health facility that sent the bill. Ask for the agent cashier’s office. Bring your payment stub, along with a check or money order made payable to "VA.” Include your account number on the check or money order.
    Find your VA health facility

Request financial help

If you’re struggling to pay your VA benefit debt or copay bills, we’re here to help. 

You can request help for VA debt online if all of these descriptions are true for you:

  • You’re a Veteran, and
  • You need to request a repayment plan of more than 5 years or debt relief (a waiver or compromise offer), and
  • You need to request help for a VA disability compensation, pension, or GI Bill benefit overpayment or a VA health care copay debt

Request help with VA debt for overpayments and copay bills online

If this list doesn’t describe you, you can still request help with VA debt in other ways.

Learn about other ways to request help with VA debt

Note: The time limit to request a waiver (debt forgiveness) has changed. You now have 1 year from the date you received your first debt letter or copay bill to request a waiver.

Dispute charges

If you think your debt or copay bill is an error, you have the right to dispute all or part of the charges.

Overpayment debts

You’ll need to submit a written statement explaining why you think the debt is incorrect. If you dispute the debt within 30 days of receiving your first debt letter, we’ll stop collection actions until we make a decision on the dispute.

You can submit your dispute statement online or by mail.

Option 1: Online

Dispute your VA debt

Option 2: By mail

Send your statement to this address:

Debt Management Center
P.O. Box 11930
St. Paul, MN 55111-0930

Copay bills

You can start the process to dispute your copay bills by phone, by mail, or in person.

Learn more about disputing your VA copay charges

What to do if you have questions about your VA debt

For questions about benefit overpayments

Call our Debt Management Center at  800-827-0648 (TTY: 711). If you’re outside the U.S., call +1- 612-713-6415. We’re here Monday through Friday, 7:30 a.m. to 7:00 p.m. ET. 

For questions about copay bills

Call our Health Resource Center at  866-400-1238 (TTY: 711). We’re here Monday through Friday, 8:00 a.m. to 8:00 p.m. ET.

  • VA debt management

    Get answers to common questions about managing debt related to VA disability compensation, non-service-connected pension, and education benefits.