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 * Home
 * VA Benefits and Health Care
   
 * About VA
   
 * Find a VA Location
   
 * My VA
   


Learn what the PACT Act means for your VA benefits
 * Home
 * Manage your VA debt


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.


REVIEW YOUR BENEFIT DEBT AND COPAY BILLS ONLINE


SIGN IN TO MANAGE YOUR VA DEBT

Sign in with your existing Login.gov, ID.me, DS Logon, or My HealtheVet account.
If you don’t have any of these accounts, you can create a free Login.gov or
ID.me account now.

Sign in or create an account


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 billing statements, debt notices, and collection letters


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

Information you’ll need to repay benefit debt online

Here’s what you’ll need:

 * Your VA file number or Social Security number
 * Your deduction code for each debt
 * Your credit card, debit card, or bank account information

You’ll find your VA file number or deduction code in your online debt
information or paper payment remittance stubs or collection letters.

Note: Are you paying a full debt balance? Or do you get monthly VA benefits?
Call us first at 800-827-0648 (or 1-612-713-6415 from overseas)(TTY: 711). We’re
here Monday through Friday, 7:30 a.m. to 7:00 p.m. ET. We’ll confirm the amount
you owe so you don’t overpay.

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

Information you’ll need to pay copay bills online

Here’s what you’ll need:

 * Your account number
 * Your credit card, debit card, or bank account information

You’ll find your account number by signing in to manage your VA debt online.
You’ll also find this number on your paper billing statement.


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 OR DISPUTE CHARGES

If you’re struggling to pay your VA benefit debt or copay bills, we’re here to
help. We’ll work with you to find a repayment plan or other option. If you think
your debt is an error, you can dispute the debt.

Request help with VA debt for overpayments and copay bills


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.


MORE HELPFUL INFORMATION


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

Last updated: May 30, 2023

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GET ANSWERS

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 * TTY: 711


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      Find a VA location

 * Veteran programs and services
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    * Women Veterans
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    * Mental health
    * Adaptive sports and special events
    * VA outreach events
    * National Resource Directory

 * More VA resources
    * VA forms
    * VA health care access and quality
    * Accredited claims representatives
    * VA mobile apps
    * State Veterans Affairs offices
    * Doing business with VA
    * Careers at VA
    * VA outreach materials
    * Your VA welcome kit

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    * Email updates
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    * All VA social media


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WE’RE HERE ANYTIME, DAY OR NIGHT – 24/7

If you are a Veteran in crisis or concerned about one, connect with our caring,
qualified responders for confidential help. Many of them are Veterans
themselves.

 * Call 988 and select 1
 * Text 838255
 * Start a confidential chat

 * Call TTY if you have hearing loss800-799-4889

Get more resources at VeteransCrisisLine.net.