Why am I always past due when I pay each month?

Direct Loan payments must be received by the payment due date. If your payment is received after the date it is due, a past due notice will be mailed. Sometimes the past due notice may cross in the mail with the payment you sent. To avoid this, payments should be mailed to the payment center address at least 5-10 business days before the due date.

You can always check to verify that a payment has been posted to your account by visiting the Payment History page in the Your Account section of our Web site.