How to Check My DFAS Debt & What to Do Next
Check, understand, and resolve your DFAS debt. Get clear guidance on managing your financial obligations with the Defense Finance and Accounting Service.
The Defense Finance and Accounting Service (DFAS) manages the financial operations for military members, retirees, and federal civilians. Individuals may find they owe money to DFAS due to various circumstances, such as overpayments or unfulfilled obligations. This article provides guidance on accessing your debt information, interpreting the details of a debt statement, and navigating the options available for resolution.
Accessing Your DFAS Debt Information
Checking your DFAS debt typically begins with MyPay, the primary online portal for active military personnel, retirees, and some civilian employees. To access MyPay, you will need your login credentials. Once logged in, navigate to sections related to debt or overpayment statements, usually found under pay information or financial documents. MyPay allows for viewing, printing, and saving pay-related documents, including notices of indebtedness.
For those unable to use MyPay, alternative methods are available. You can contact the DFAS Debt and Claims Customer Care Center directly by phone at 1-866-912-6488, available Monday through Friday during business hours. Another option for inquiries is the AskDFAS online system, which provides a way to submit questions directly to DFAS personnel and track the status of your request with a ticket number. When contacting DFAS, be prepared to provide personal identifying information for secure access to your account details.
Interpreting Your DFAS Debt Statement
Once you have accessed your DFAS debt statement, understanding its components is the next step. These documents outline the original debt amount, current balance, and the reason for the debt. Common reasons for DFAS debt include overpayments of pay or allowances, unfulfilled advance pays, or outstanding travel debts. The statement should also indicate the effective date of the debt and provide agency contact information.
Carefully review the type of debt listed and cross-reference it with your personal financial records and any relevant orders or agreements. This comparison helps identify potential discrepancies or errors. Understanding the specific reason for the debt is important for determining the appropriate course of action, whether disputing the debt or arranging for repayment.
Managing and Resolving DFAS Debt
If you find a discrepancy or disagree with a DFAS debt, you have the option to dispute it. You can initiate a dispute by submitting a protest online through the AskDFAS portal. When submitting a dispute, include a clear explanation of why you disagree with the debt and provide supporting documentation. A cursory review can be requested within 30 days of the original notification letter’s issue date.
Even while a dispute is pending, make payment arrangements to prevent the account from becoming delinquent. DFAS offers several ways to make payments, including lump-sum payments via Pay.gov using debit cards, checking/savings accounts, or PayPal. If a lump-sum payment is not feasible, you can explore establishing an installment plan. Maintain thorough records of all communications, submissions, and payments related to your DFAS debt.