You have options if you need to change your due date. As long as your account is current, you can make a one-time change to your next payment date—or even permanently move your due date. It’s important to note that adjusting your due date can affect how much interest you pay on your loan.
Sections in this article cover:
- Make a one-time date change for your next payment
- Permanently move your due date
- How changing your due date affects interest
- Late payments
Make a one-time date change for your next payment
If you need to delay your next payment, contact us at firstname.lastname@example.org or call us at 888-596-4478 at least three days before it’s due. Please have your bank information ready when you call to help our team process your request.
Permanently move your due date
You may want to adjust your monthly due date to align better with when you’re paid or so that your loan payment isn’t due at the same time as other bills. You can permanently move your payment up to 15 days before or after your original due date. If you've already permanently moved your payment due date once and want to move it again, call us at 844-227-5011.
- Sign into your Member Center.
- In the Payment Due Date section, click Change Due Date.
- Use the menu to choose your new monthly due date, then click Continue.
When you choose a new day, we’ll calculate and display any differences in the interest for your upcoming payment.
- Click Got It.
- Review your change, then click Confirm Change.
You’ll know you’re all set when the page says Success!
How changing your due date affects interest
If you have a fixed-rate loan, it accrues interest daily, so changing your due date can affect the amount of interest you pay at the end of your loan. Moving your due date doesn’t change your monthly payment amount, however.
Moving your due date later may result in a larger final loan payment to cover the extra interest. Moving your due date earlier may lower the total interest you pay. Changes in interest are calculated when you pay off your loan.