Our hours of operation are changing effective January 19, 2021. Our new hours will be Monday through Thursday from 7am to 6pm MT, and Friday from 7am to 5pm MT.


How to Make a Payment

Online Payments

How to make a one-time online payment:

  1. Sign into your online account
  2. Click “Make a Payment”
  3. Enter your payment information
  4. Click the “Make a Payment” button

Automatic Payments

Your payment will be automatically deducted from your account each month. Applying for automatic payments is quick and easy! 

Pay by Phone

To make a payment over the phone, contact one of our loan specialists. Payments can be schedule up to 60 days in advance.

Acceptable Payment Methods

UHEAA accepts electronic checks, paper checks and money orders. 

How Payments are Applied

Payments are applied first to any late fees, then any outstanding accrued interest, and finally to the principal balance.

How to Payoff Your Loans

If you planning on making a payment that will payoff your balance, please contact us to discuss your payoff amount or refer to the payoff amount listed in your online account. Your student loans accrue daily interest so it’s important that you reference the correct amount. 

Over Payments

Please be advised, if you reside in California, Colorado, or Rhode Island, we are required to contact you each time we receive an over-payment to determine how you’d like the over-payment applied to your account. Our standard practice for over-payments is to apply the excess amount proportionally to all remaining loans based on loan balance.

If you reside in one of the mentioned states, please contact us to let us know how you would like your over-payments applied. If we don’t receive instructions from you, you will receive communication each time an over-payment is received. Please be advised, any over-payment adjustment will be in effect for the life of the loan unless a request to cancel or adjust the payment is received.