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Payment Options

Secure Online Account Management

Now Paying Your Bill Has Never Been So Easy! Here are the payment options available to you:

Pay Online - Make a one-time electronic payment via a checking or savings account. Payments made before 4:00 p.m. (Eastern) on business days will be posted the same day. Payments made after 4:00 p.m. (Eastern) or on weekends and holidays will be posted the next business day. Log in to your account to get started.


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KwikPay® - Have your monthly payments automatically deducted from your checking or statement savings account. Payments made via KwikPay® will be posted to your account on your due date or the next business day in the event of a holiday or weekend. Payments debited by Kwikpay® may not show on your GSM&R online account until 1 business day later. To sign up for KwikPay®, log in to Manage My Account and select "Manage KwikPay® (auto-debit)." By enrolling you may qualify for an interest rate reduction. Borrowers will continue to receive monthly statements while enrolled in KwikPay®.

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


Pay by Telephone - Our new automated and interactive phone system makes it even easier to quickly make a payment. Simply call our toll-free Customer Service number and input the requested account information by following the prompts. Please note: we must have your email on file in order to use this payment option. A confirmation email will be sent upon successful completion of your payment.

Questions? You can always contact our knowledgeable and helpful Customer Service team.


Pay by Customer Online Banking - Utilize your online banking system. Payments you make will be routed to the respective payee for electronic posting. Please make sure you are using the correct account number, payee and payment addresses:

GSM&R borrowers

Payee: GSM&R
Account Number: Your nine-digit account number as seen on your statement.

Payment Address:

GSM&R
PO Box 9560
Manchester, NH 03108-9560

Direct Loan borrowers

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
PO Box 105291
Atlanta, GA 30348-5291


Mail in Your Payment:

GSM&R borrowers

Payments Only
PO Box 9560
Manchester, NH 03108-9560

Defaulted Loan Payments
PO Box 877
Concord, NH 03302-0877

Direct Loan borrowers

Payments Only
U.S. Department of Education
PO Box 105291
Atlanta, GA 30348-5291

Defaulted Loan Payments
U.S. Department of Education
PO Box 5609
Greenville, TX 75403-5609


Visit Us - 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.