Debt Management Center

Letter update:  DMC will start monthly status letters beginning May 2021.  If you received a letter recently that proposed a different payment plan, please give us a call.  DMC will NOT systematically change payment plans from Veteran choice plans until we hear from you, and we apologize for any confusion.  If […]

Letter update:  DMC will start monthly status letters beginning May 2021.  If you received a letter recently that proposed a different payment plan, please give us a call.  DMC will NOT systematically change payment plans from Veteran choice plans until we hear from you, and we apologize for any confusion.  If you have questions or wish to confirm your current payment plan amount, please contact us at 1-800-827-0648 from 6:30 a.m. to 6:00 p.m. CT. 

VA Extends Debt Relief for Veterans

The Department of Veterans Affairs (VA) is extending debt relief for Veterans through September 30, 2021 due to the COVID-19 pandemic.To read more, pleaseclick here or here.

VA COVID-19 Debt Relief Q&A
Collection Paused for New Debts Created After April 1, 2020

Can I pay my debt during the suspension period?

Yes. We can work with you to establish a repayment plan/extended repayment plan that works for your situation, or if you choose you may pay the debt in full.

I received a notification from a VA Regional Office that I have a debt and will receive an additional letter from the VA Debt Management Center (DMC). When will I receive this letter?

Debts created after April 1, 2020 are automatically suspended. Issuance of the DMC letter mentioned by the Regional Office will be deferred until at least September 30, 2021.

What are my COVID-19 debt relief options?

COVID-19 debt relief options include:

– Automatic suspension of repayment through September 30, 2021 (no action required by you for new debts created beginning April 1, 2020)
– Extended repayment plan 
– Adjusting the debt amount through the compromise process
– Requesting a waiver of the debt

Am I able to extend my timeframe for payments?

We can extend your payments if you are experiencing financial hardship.

How can I lower my payment plan?

You can contact us through one of the below methods. We will work with you to develop a plan for your specific circumstances.

Are interest or fees accruing on my debt while it is suspended?

VA has stopped the accrual of interest and fees during the suspension period.

I have a medical co-payment debt; can DMC assist me?

Please contact VA Health Resource Center at 866-400-1238 to discuss your options for medical debt.

I have a separation, severance, or readjustment overpayment, are these also suspended?

Please contact the Regional Office at 800-827-1000 to discuss your recoupment options.

When does the suspension period end?

The suspension of new debts runs from April 1, 2020, through September 30, 2021.

If collection is paused, why am I getting a letter/statement from VA?

VA has several reasons for sending you information on your debt. We want to inform you of:

– Your current debt balances
– That collection on your accounts is suspended through September 30, 2021
– That relief options, such as an extended repayment plan, compromise or waiver are available
– How to contact us

I received a letter/statement saying I have a debt , but I do not need to make a payment, What do I need to do? What happens if I do not do aything

VA’s intent is to provide you with awareness and options:
– No action is necessary if you would like your account to remain suspended
– If you would like to take advantage of other options, please contact the DMC at 800-827-0648

Adverse actions including accrual of interest and fees will not occur while your debt is suspended

Why are you sending me a statement if I do not need to do anything?

To make you aware of your debt and available options should you choose to address your debt now.

You do not need to wait until after September 30, 2021 to take advantage of other relief options such as an extended repayment plan, waiver, or compromise.  

My debt was referred to the Treasury Offset Program (TOP), how does this affect me?

TOP will not offset your debt during the suspension period through September 30, 2021. If you have a remaining debt balance when the suspension period ends, TOP will send you a notification of when recurring offsets will begin or resume. VA may be able to accept payments if your debt has only been referred to TOP and not to Treasury’s Cross-Servicing Program (CS).

My debt was referred to Treasury’s Cross-Servicing Program (CS), how does this affect me?

CS will suspend your debt through September 30, 2021. If you had existing payment arrangements, those arrangements will continue unless you contact CS to update your arrangement. You can contact CS at 888-826-3127.

New Debt Landing Page for Veteran Debt Management   

A new online tool is available to view your debt letters, history, and repayment options. It provides a quick and easy way to manage your VA benefit debt in one convenient location. Veterans can access the tool at 


Veterans, members of the Armed Forces and family members who incur debts as a result of their participation in most VA compensation, pension and education programs as well as home loans closed before January 1, 1990, receive letters from DMC notifying them of their rights as well as their obligation to reimburse the Department of Veterans Affairs.  If you have a debt with us, you may have questions concerning payment plans, amounts offset from your benefit payments and what to do if payment of the debt would cause hardship.  Many answers can be found on this page and other pages of this Web site.

Our normal business hours are Monday through Friday from 6:30a.m. to 6:00p.m(CT). We experience our highest call volumes on Mondays and throughout the first week of each month.  The best time to call us is Tuesday through Thursday between 10:30a.m. to 12:15p.m. and 1:15p.m. to 3:30p.m. (Central).  We have added staff and telephone lines to handle your call.

Our Toll free number is 1-800-827-0648, for international callers 1-612-713-6415

 Additional fax numbers



Link for Information regarding COVID-19


If you have trouble reaching us by phone, please try again later in the day or consider these alternatives:


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

Your privacy is important to us.  Please read the following:

Privacy Act Information:  Information, including your VA claim number or Social Security Number, furnished on checks, cashier’s checks (bank drafts) and money orders made in payment of a debt is used to associate a payment with an accounts receivable record so we may properly credit the account.  Disclosure is voluntary.  However, without disclosure, we may require payment by some other methods.  Personally identifiable information is protected from unauthorized disclosure by 38 U.S.C. 5701.  The information may be disclosed outside the Department of Veterans Affairs (VA) only when authorized by the Privacy Act of 1974, as amended.  The routine uses for which VA may disclose the information can be found in VA systems of records, including 58VA21/22/28, Compensation, Pension, Education and Rehabilitation Records-VA, and 88VA244, Accounts Receivable Records-VA.  VA systems of records and alterations to the systems are published in the Federal Register and can be reviewed at VA Privacy Act System of Records.  Any information provided by you, including your Social Security Number, may be used in computer matching programs conducted in connection with any proceeding for the collection of an amount owed by virtue of participation in any benefit program administered by VA.

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