Last Updated: December 12, 2025
-If you pay online or set up Recurring Payments (AutoPay) through our website or mobile app, you can direct your payment to be allocated across your loans in any manner that you choose.
-If you pay by paper check or through a bill payment service and you want to spread your payment across all of your loans, you must include your Document ID from the top of any statement.
- For checks, include the Document ID on the check and the statement coupon in the envelope.
- Using a Document ID means that the payment will be spread across all your loans in this way:
- Any payment amount above the Total Amount Due will be split proportionally among your loans based on outstanding balances.
- Payments less than or equal to the Total Amount Due will be first allocated based on Past Due Amounts of all loans, if applicable, and then any remaining amount would be split based on Monthly Amount Due plus Unpaid Fees for each loan. The oldest Past Due Amounts are covered first, and where loans are at the same stage of Past Due, the higher interest rate loan is paid first.
-If you pay by paper check or through a bill payment service and you want to allocate your payment to one loan, you must include your Account Number from any statement. Using a Account Number means that the payment will be allocated to that specific loan.
- For checks, include the Account Number on the check and do not include the statement coupon in the envelope. If the statement coupon is included, payment allocation will be based on the coupon and will spread your payment across all of your loans.