Avoiding interest capitalization

If your account is in a situation where accrued interest is going to capitalize and you want to pay off the interest before it capitalizes, you can mail in a check for the anticipated capitalization amount or you can make a payment online. Be aware that any interest that accrues from the time your payment is applied to your account until the capitalization occurs will still capitalize. Be sure to mail your payment at least 10 days prior to your capitalization date to insure that your payment is applied on time. Instructions and the address for mailing in your payment can be found in our Question Center. You can make an online payment simply by clicking the Make Online Payment link on the left navigation bar.