Options to request help with VA debt

You can request a monthly repayment plan to pay back your overpayments over time.

If you can pay back an overpayment in less than 5 years

If you can pay back an overpayment in less than 5 years, you can request a repayment plan online, by phone, or by mail:

• Online: Contact us through Ask VA
• 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.
• Mail:

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

If you need more than 5 years to pay back an overpayment

If you need to request a repayment plan of 5 or more years, you need to submit a Financial Status Report (VA Form 5655).

The fastest way to submit your request is online.

Start your request for debt help online

You can also fill out a PDF version of VA Form 5655 and mail it to us.

Get VA Form 5655 to download

Mail your completed form to this address:

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

If you need debt relief, you can request:

• A compromise offer (ask us to accept a lower amount of money as full payment of the debt), or
• A waiver (ask us to forgive the debt)

If you need to request a waiver or compromise offer, you need to submit a Financial Status Report (VA Form 5655).

The fastest way to submit your request is online.

Start your request for debt help online

You can also fill out a PDF version of VA Form 5655 and mail it to us.

Get VA Form 5655 to download

Mail your completed form to this address:

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

Note: The time limit to request a waiver (debt forgiveness) is 1 year from the date you received your first debt letter.

If you think your debt 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. If you dispute the overpayment within 30 days, you can avoid collection actions.

You can submit your dispute statement through our online form, through Ask VA, or by mail.

Option 1: Online through our form

Using our online form is the fastest way to submit your dispute.

Dispute your VA debt online

Option 2: Online through Ask VA

Follow these steps to dispute overpayment debt through Ask VA:

1. Sign in with a verified account
2. For the category, select Debt for benefit overpayments and health care copay bills
3. For the topic, select the type of overpayment you’re disputing
4. Answer the questions about your information
5. 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
6. 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

You can submit a Supplemental Claim or request a Higher Level Review or a Board Appeal.

Learn more about choosing a decision review option

First, you can ask our Committee of Waivers and Compromises to reconsider your waiver. To do this, you’ll need to tell us why you think we should reconsider. You can submit your request online or by mail:

• Online: Contact us through Ask VA
• Mail:

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

If you disagree with our decision, you can request a Board Appeal. When you choose this option, you appeal to a Veterans Law Judge at the Board of Veterans’ Appeals in Washington, DC. A judge who’s an expert in Veterans law will review your case.

Learn how to request a Board Appeal

Note: You have 1 year from the date on your decision letter to request a Board Appeal, unless you have a contested claim.

Learn more about contested claims

You can request a monthly repayment plan to pay back your overpayments over time.

If you can pay back an overpayment in less than 5 years

If you can pay back an overpayment in less than 5 years, you can request a repayment plan online, by phone, or by mail:

• Online: Contact us through Ask VA
• 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.
• Mail:

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

If you need more than 5 years to pay back an overpayment

If you need to request a repayment plan of 5 or more years, you need to submit a Financial Status Report (VA Form 5655).

Get VA Form 5655 to download

Mail your completed form to this address:

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

If you need debt relief, you can request:

• A compromise offer (ask us to accept a lower amount of money as full payment of the debt), or
• A waiver (ask us to forgive the debt)

If you need to request a waiver or compromise offer, you need to submit a Financial Status Report (VA Form 5655).

Get VA Form 5655 to download

Mail your completed form to this address:

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

Note: The time limit to request a waiver (debt forgiveness) is 1 year from the date you received your first debt letter.

If you think your debt 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. If you dispute the overpayment within 30 days, you can avoid collection actions.

The fastest way to submit your dispute is online.

Dispute your VA debt online

You can also mail your statement to this address:

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

To appeal a benefit decision that caused an overpayment, submit a Supplemental Claim, request a Higher Level Review, or a Board Appeal.

Learn more about choosing a decision review option

To appeal a decision on a waiver request, you can ask our Committee of Waivers and Compromises to reconsider your waiver. To do this, you’ll need to tell us why you think we should reconsider. You can submit your request online or by mail:

• Online: Contact us through Ask VA
• Mail:

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

If you disagree with our decision, you can request a Board Appeal. When you choose this option, you appeal to a Veterans Law Judge at the Board of Veterans’ Appeals in Washington, DC. A judge who’s an expert in Veterans law will review your case.

Learn how to request a Board Appeal

Note: You have 1 year from the date on your decision letter to request a Board Appeal, unless you have a contested claim.

Learn more about contested claims

You can request a monthly repayment plan to pay back your copay bills over time.

To request a repayment plan, fill out a PDF version of the Veteran Repayment Plan (RRP) Agreement (VA Form 10-323) and mail it to your VA Consolidated Patient Account Center (CPAC).

Get VA Form 10-323 to download

Mail your completed form to your CPAC. Don’t mail it to the VA facility where you receive care.

Find the mailing address for your CPAC

If you need debt relief, you can request:

• A compromise offer (ask us to accept a lower amount of money as full payment of the debt), or
• A waiver (ask us to forgive the debt)

If you need to request a waiver or compromise offer, you need to submit a Financial Status Report (VA Form 5655).

The fastest way to submit your request is online.

Start your request for debt help online

You can also fill out a PDF version of VA Form 5655 and mail it to us.

Get VA Form 5655 to download

Mail the letter, or bring it in person, to the business office or health administration office at your nearest VA medical center.

Find the address for your nearest VA medical center

You have the right to dispute all or part of your VA copay charges.

Learn how to dispute your VA copay charges

If your income has decreased and you can't afford future copay bills, you can request a VA hardship determination and copay exemption.

Learn how to request a VA hardship determination and copay exemption