Know Your Repayment Options

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.

LOGIN

To fill out a paper enrollment form, please visit our forms page.

FORMS

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 C7 Account Number

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 F8 Account Number

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 C7 Account Number

T: 800.719.0708
Monday - Friday 8AM - 6PM ET
Telecommunications Relay Service (TDD/TYY)
dial 711

Account begins with F8 Account Number

T: 888.556.0022
Monday - Friday 8AM - 6PM ET
Telecommunications Relay Service (TDD/TYY)
dial 711

Pay by Mail

Account begins with C7 Account Number

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

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

Account begins with F8 Account Number

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.