Making Payments

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. Business days do not include weekends. Payments received after 4 p.m. (Eastern) or on the weekend will be effective the next business day. Loan activity and reporting may continue to occur during this time, including interest accrual. Interest accrues daily and will continue to accrue between the receipt date and the effective date for loans in the applicable status.

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 out 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.

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

Pay by Phone

T: 800.719.0708

Monday - Friday 8AM - 6PM ET
Telecommunications Relay Service (TDD/TYY)
dial 711

Pay by Mail

Payments Only
P.O. Box 9560
Manchester, NH 03108-9560

Defaulted Loan Payments
P.O. Box 877
Concord, NH 03302-0877

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.