A waiver may be an option if you can’t repay a VA debt. Keep reading to learn about waivers for debt related to VA disability compensation, non-service-connected pension, or education benefits. Find out how to request a waiver—and what to expect if you do.
A waiver means that we agree to forgive (or “waive”) a VA debt. You can request a waiver if you can’t afford to repay your full debt balance—even with smaller monthly payments over time. We may grant a waiver for part or all of a VA debt.
If we grant your waiver request, you won’t have to repay the amount we agree to waive.
Note: If we waive an education benefit debt and you have remaining entitlement, we’ll reduce the amount of your remaining entitlement as part of the waiver.
Yes. Here's what to know about waiver time limits.
Time limit to avoid late fees, interest, or other collection actions while we make our decision
We'll stop collection while we make our decision if you request a waiver within a certain time. This is how many days you have from when you receive your first debt letter:
If we receive your request after the time limit, we won't stop collection while we make our decision.
Time limit for considering waiver requests
We can only consider waiver requests within a certain time. This is how many days you have from when you receive your first debt letter:
By law, we must deny waiver requests received after these time limits. We'll explain your right to appeal in the denial letter.
Note: Need a waiver for VA health care copays? Learn how to request copay financial hardship assistance
Yes. A representative who has the legal authority to act on the Veteran’s behalf can request a waiver for the Veteran’s debt. A representative may be someone in any of these roles:
You'll need to submit these 2 items:
Note: Need help with VA health care copayment debt? Learn how to request financial hardship assistance for copayment debt
If you requested an oral hearing, we’ll contact you to tell you the date, time, and location of the hearing. We'll hold the hearing before we make our decision on your waiver request.
We'll mail you a letter with our decision. You'll receive one of these 3 decisions:
If we grant you a partial waiver or deny your request, we’ll tell you how to contact us to set up a payment plan. If you get VA benefit payments and don’t set up a different payment plan, we’ll keep all or some of your benefit payment each month to pay down the debt.
We'll also tell you about your right to appeal our decision.
Note: Want more information about student loan forgiveness for federal student loans? Go to the U.S. Department of Education student aid website