What can be arranged when a payment is hard to make, what each option costs you, and when to call.
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.
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.
What changes
The date your payment is due
What does not
The amount. Payments stay monthly, and the figure stays the same
When it starts
The month after the due date on your latest statement. That payment is still due as printed
Who can
Accounts that are current. You do not need to have made a payment first
How often
Once, for the life of the account
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.
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.
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.
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.
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.
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.
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.