VA Overpayment / Debt Waiver
When the VA pays a veteran more than they are entitled to receive (often due to rating reductions, dependent changes, or administrative errors), the VA issues a debt notice -- veterans have rights to dispute, waive, or repay the debt.
Veterans have 30 days from notice to request a waiver, compromise, repayment plan, or dispute.
Waiver: the VA can forgive the debt if repayment would cause financial hardship and the overpayment was not the veteran's fault.
Compromise: you offer a lump sum less than the full amount in settlement.
Hardship repayment plan: the VA can spread repayment over up to 5 years or longer with justification.
→ Contact the VA Debt Management Center (DMC) at 1-800-827-0648 immediately upon receiving an overpayment notice.
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Frequently asked questions about VA Overpayment / Debt Waiver
What is VA Overpayment / Debt Waiver?+
When the VA pays a veteran more than they are entitled to receive (often due to rating reductions, dependent changes, or administrative errors), the VA issues a debt notice -- veterans have rights to dispute, waive, or repay the debt. Veterans have 30 days from notice to request a waiver, compromise, repayment plan, or dispute.
Who qualifies for VA Overpayment / Debt Waiver?+
Veterans (and in some cases their dependents or survivors) who meet the program's specific service, discharge, and eligibility rules. Use the BK Calculator and Filing Success Score to check your situation.
How do I apply for VA Overpayment / Debt Waiver?+
Apply at va.gov (search for the program by name) or work with a free accredited Veterans Service Officer (VSO) through your state VA office.
Where can I get help?+
Run the VA Calculator to see your monthly amount, then the VA Filing Success Score to check what's missing from your claim. A VSO can review your filing for free.