Making Payments
Making payments has never been so convenient! Manage one time and automatic payments online or choose one of the options below.
Pay Online with Manage My Account
All payments must be received by 4 p.m. (Eastern) on a business day to be effective the same day. Payments received after 4 p.m. (Eastern) will be effective the next business day. Business days do not include weekends.
Automatic Debit
Automatically deduct monthly payments from your checking or statement savings account, while still receiving monthly statements. Payments made via automatic debit will be posted to your account on your due date or the next business day in the event of a holiday or weekend, even though they may not show on your GSM&R account until 1 business day later.
To sign up for automatic debit, log in to Manage My Account and select "Payments." By enrolling you may qualify for an interest rate reduction.
To fill out a paper enrollment form, please visit our forms page.
Online Bill Pay with Your Bank
Make your payment directly from your bank account by utilizing its online bill pay system. Please make sure you are using the correct account number, payee and payment address as detailed below.
Account begins with 
Payee: GSM&R
Account Number: Your nine-digit account number as seen on your statement.
Payment Address:
GSM&R
P.O. Box 9560
Manchester, NH 03108-9560
Account begins with 
Payee: U.S. Department of Education
Account Number: Your nine-digit account number as seen on your statement.
Payment Address:
U.S. Department of Education
P.O. Box 4414
Portland, OR 97208-4414
Pay by Phone
Account begins with 
T: 800.719.0708
Monday - Friday 8AM - 6PM ET
Telecommunications Relay Service (TDD/TYY)
dial 711
Account begins with 
T: 888.556.0022
Monday - Friday 8AM - 6PM ET
Telecommunications Relay Service (TDD/TYY)
dial 711
Pay by Mail
Account begins with 
Payments Only
P.O. Box 9560
Manchester, NH 03108-9560
Defaulted Loan Payments
P.O. Box 877
Concord, NH 03302-0877
Account begins with 
Payments Only
U.S. Department of Education
P.O. Box 4414
Portland, OR 97208-4414
Defaulted Loan Payments
U.S. Department of Education
P.O. Box 5609
Greenville, TX 75403-5609
In Person
Running late? You may drop off payments, applications, or forms after 5 p.m., by using the drop box in the front of our offices at 3 Barrell Court, Concord, NH 03301. Get directions.