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Call before you miss a payment if you can. More can be arranged on an account that is current than on one that is months behind, and the call is not the difficult conversation people expect it to be.

Call (888) 233-2302

Monday to Friday, 7:00 AM – 7:00 PM Central. Or open a request under I Have a Hardship. To move your due date, see Changing your due date.

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Changing your due date

If your due date falls at the wrong point in your month — before payday rather than after — you can ask to have it moved. A due date change is one of the options UAS offers when a payment is hard to make, but you do not need to be in hardship to ask. If you have not made your first payment yet, you can ask to change your first payment date too.
You get one change. It cannot be undone or repeated later. Pick the date that works for the whole year, not the nearest one.
Your new date will be between the 1st and the 28th of the month. See when payments post.

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The due date on your latest statement does not change

Your new due date starts the month after the due date on your latest statement. The payment on that statement is still due on the date printed, even if you ask for the change before then. The next date on your calendar is not the one that moves.
Each statement closes about 25 days before its due date, and the due date is set when it closes. By the time you call, your next payment is usually already on a statement. That payment keeps its date. The change applies to the payment after it. For example, your statement closed on September 5 and shows a payment due October 1. On September 20 you call and ask to move your due date to the 15th. The October 1 payment stays due October 1. Your next payment, in November, is due November 15. If you use AutoPay, it follows your new due date. You do not need to change it.

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How to ask

The fastest way is to call. An agent can make the change while you are on the phone. You can also open a request, which is reviewed against your account, so a request alone does not guarantee the change.

Call (888) 233-2302 to change your due date

Monday to Friday, 7:00 AM – 7:00 PM Central. Have the day of the month you want ready.
To ask in writing instead:
1

Open a billing request

In uPortal360, select Help, then Start Inquiry. Sign in first if you are not already in. Under Billing, select I Have a Question About My Bill.
2

Choose Payment Due Date

For What is Your Billing Question About, select Payment Due Date.
3

Say which date you want

In Additional Details, write that you want to change your due date and the day of the month you want, from the 1st to the 28th. Then select Submit.
A request goes into a queue, so it takes longer than a call. See Reading your ticket. Keep paying on the due date on your latest statement. It does not move. If your account is not current, a due date change is not available. Call us about the options in the next section.

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If you need more than a date change

Depending on your account and your circumstances, there may be other options — a short pause in payments, a longer term with a smaller monthly payment, or bringing a past-due account back to current. What is available depends on your program, how your account stands, and in some cases on the lender that funded it, so the only way to find out is to ask. Two things to understand before you agree to anything:
Pausing payments does not pause interest. Payments that are postponed are not forgiven — they move to the end of your term, and interest keeps accruing the whole time. You end up paying more in total than if you had not needed the pause.
A longer term costs more. If your monthly payment is reduced by stretching the term, the total interest goes up, and so does the total you will have paid by the end. The finance charge and total of payments quoted in your original agreement no longer apply — the real figures are higher.Ask what the new total is before you accept. It is a fair question and we should answer it.
Neither of those makes these options a bad idea. A pause that keeps you out of default is usually worth the extra interest. But you should choose it knowing the price.

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If you have a promotional offer

Say so on the call. A promotional offer can end early if a payment is missed, and the interest that has been accumulating is then owed — an amount that is often far larger than the payment you are struggling with.Anything arranged needs to account for the promotional deadline as well as the monthly payment.
Changing your due date does not change your Promotional Period Expiration Date. Tell the agent about the promotion anyway, so anything arranged accounts for both dates.

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Free help with debt

Every statement prints a credit counseling referral number. It is free, independent, and we receive nothing from it. If you are already working with a credit counselor, tell us. We review what they propose case by case.

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What happens if nothing is arranged

An account that stays past due accrues interest and late fees, may be reported to the credit bureaus, and eventually stops being serviced by UAS. At that point it goes back to the lender or is placed elsewhere, and your options narrow considerably. That outcome takes months, and every one of those months is a chance to arrange something instead.