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You'll need to submit a Financial Status Report (VA Form 5655) as part of your request for help with certain VA repayment or debt relief options. Read below to learn more about this report and how to submit one.
You need to submit a Financial Status Report (VA Form 5655) when you want to request any of these debt repayment or relief options:
There are certain cases when you can request help without a Financial Status Report:
In these cases, call us at 800-827-0648 (or 1-612-713-6415 from overseas). We’re here Monday through Friday, 7:30 a.m. to 7:00 p.m. ET. If you have hearing loss, call TTY: 711.
When you request help with a VA debt, we want to make sure we fully understand your financial situation. If you’re married, we also need to understand your spouse’s financial situation. This helps us accurately assess your household's finances.
Your report gives us details about your finances and other factors that affect how much you can pay on your debt. This helps us make the best decision on your request.
When you submit a Financial Status Report, we sometimes ask for a personal statement.
We ask you to tell us why you’re requesting a certain debt relief option. This helps us understand your situation so we can make the best decision on your request.
If you request one of these debt relief options, you’ll need to include a personal statement:
If you request help with debt online, we give you space to add your statement. If you request help by mail or in person, you’ll need to write a letter and include it with your report.
For debt related to VA disability compensation, non-service-connected pension, or education benefits
You can submit your completed VA Form 5655 and personal statement in either of these 2 ways:
Mail your form and statement to:
U.S. Department of Veterans Affairs
Debt Management Center
PO Box 11930
St. Paul, MN 55111
For debt related to VA health care copays
Fill out and sign VA Form 5655. Write your personal statement in a separate document.
Send your form and statement by mail, or bring them in person, to the business office or health administration office at your nearest VA medical center.
Get VA Form 5655 to download
Find the address of your nearest VA medical center
You can contact a Veterans Service Officer (VSO) or other accredited representative. These trusted professionals are trained and certified to help you with VA-related needs.
To find a VSO:
You'll need this information (for both you and your spouse if you’re married):
Estimate the amount of money you think you would get if you sold the item in your local community. To get an idea of prices, you can check these places:
We accept estimated amounts.
If you work different hours or earn different amounts each month:
Tell us the average amount you earn each month, as best you can. If you reported wages on your tax return for last year, you can divide those reported wages by 12 and use that amount.
If you have expenses that vary from month to month:
Tell us the amount you paid on your last month's bill. Or, add up how much you spent over the past year and divide by 12 to get an estimated monthly amount.
This may apply to expenses like gas, electricity, or cell phone bills.
If you have expenses you don't pay each month:
Try to find receipts for the past year. Then, add up how much you spent for the year and divide by 12 to get an estimated monthly cost.
This may apply to expenses like clothing or health care copay costs.
Note: You don't need to send us copies of your bills or receipts when you request help. We may ask you to share more information as we review your request.
You’ll find the VA file number and deduction code for each debt printed in these 2 places:
In many cases, we use your Social Security number for your VA file number.
Thank you for your feedback.
VA COVID-19 debt relief options for Veterans and dependents
Disability
File a claim for disability compensation for conditions related to your military service, and manage your benefits over time.
Education and training
Apply for and manage your GI Bill and other education benefits to help pay for college and training programs.
Pension
Apply for monthly payments for wartime Veterans and survivors with limited or no income who meet certain age and disability requirements.
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