VA, Manage your VA debt for benefit overpayments and copay bills

Manage Your VA Debt For Benefit Overpayments And Copay Bills | Veterans Affairs Skip to Content An official website of the United States government Here’s how you know The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you're on a federal government site. The site is secure. The https:// ensures that you're connecting to the official website and that any information you provide is encrypted and sent securely. Talk to the Veterans Crisis Line now Manage your VA debt for benefit overpayments and copay bills Review your current VA benefit overpayment or copay bill balances online. And find out how to make payments or request help now. Be aware of a new scam targeting VA benefit overpayments Read our VA news article for more information Learn how to protect your identity and your VA benefits from scammers Review your benefit overpayments 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 overpayments and copay bills online. What you can do when you sign in Check the amount and status of your VA overpayments 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 overpayments Overpayments include debt related to VA disability compensation, non-service-connected pension, or education benefits. Information you’ll need to repay overpayments 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 (TTY: 711), or 1- from overseas. 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. 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 overpayments by phone or mail You can also repay overpayments related to VA disability compensation, non-service-connected pension, or education benefits in any of these 2 ways: Pay by phone: Call us at (TTY: 711), or 1- from overseas. 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 (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 overpayments or copay bills, we’re here to help. Learn about options 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 an overpayment or copay bill is an error, you have the right to dispute all or part of the charges. You’ll need to submit a written statement explaining why you think the debt is incorrect. Overpayments debt 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 through our online form, through Ask VA, or by mail. Option 1: Online through our form Option 2: Online through Ask VA Follow these steps to dispute overpayment debt through Ask VA: Sign in with a verified account For the category, select Debt for benefit overpayments and health care copay bills For the topic, select the type of overpayment you’re disputing Answer the questions about your information When you get to the Your question section, enter if you’re disputing all or part of the overpayment and why you’re disputing this debt Upload your written statement and any supporting evidence Dispute VA debt through Ask VA Option 3: By mail Send your written statement to this address: U.S. Department of Veterans Affairs Debt Management Center PO Box 11930 St. Paul, MN 55111 Copay bills You can dispute your copay charges online through Ask VA, by mail, or in person. Learn how to dispute 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 (TTY: 711). If you’re outside the U.S., call +1- . 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 (TTY: 711). We’re here Monday through Friday, 8:00 a.m. to 8:00 p.m. ET. More helpful information Get answers to common questions about managing debt related to VA disability compensation, non-service-connected pension, and education benefits. Last updated: February 9, 2026