Repayment Methods

The debt may be repaid by one of the following methods:

Payroll Deductions: If the employee has signed Form NFC-1101 or Form NFC-1101TR, the employee can have the total amount deducted in a single pay period on or before the pay period specified on the agreement.

The employee may have less than 15 percent deducted, but not less than $50 per pay period, if the Agency’s approving official determines that the 15-percent deduction would create an extreme financial hardship on the employee. In this situation, the approving official’s signature and title must be on the Repayment Agreement. The authorized official's name must be established in TMGT Table Management System, Table 063, Department/Agency/Bureau Contact. It is the responsibility of every Agency to update and maintain authorized contact types within TMGT Table Management System, Table 063.

Specific details in the repayment of debts are listed below.

• If NFC National Finance Center issues the notice of a debt that is less than 15 percent of the employee’s disposable pay, the full amount is automatically deducted in the second pay period after the 30-day waiting period has expired or in a pay period requested by the Agency.
• If the employee’s debt exceeds 15 percent of disposable pay and he/she does not sign the Repayment Agreement or has not paid the debt in full, 15 percent of disposable pay is deducted from the employee’s pay until the debt is repaid. The deductions begin on the second pay period after the 30-day waiting period has expired.

  Note: Treasury Department Agency employees must sign and submit the NFC-1101TR to avoid delinquency.

• If two or more debts have been incurred, the total deductions cannot exceed 15 percent of disposable pay unless the employee consents in writing to a larger amount.

Pay.gov: All debtors, separated and on-the-rolls, can make electronic payments through the Department of the Treasury's (Treasury) application Pay.gov by logging on at https://www.Pay.gov HyperText Transfer Protocol. Pay.gov is a secure site, used to process electronic payments, for debts owed to Agencies of the Federal Government. This system allows debtors to make online payments against non-tax Federal debts established in the NFC National Finance Center's ABCO Administrative Billings and Collections System system using debit and/or via Automated Clearing House from their back account. Payments made through Pay.gov are sent to NFC National Finance Center in a file on a daily basis. The files are processed and applied to the debtor's account in ABCO Administrative Billings and Collections System.

Cash Payment: A check or money order for the full amount can be submitted to the address identified below. All checks and/or money orders must include the employee's SSN Social Security number and bill number. They must be made payable to the following: USDA United States Department of Agriculture, National Finance Center, Administrative Collections.

USDA United States Department of Agriculture, National Finance Center, Administrative Collections
P.O. Box 790342
St. Louis, MO 63179-0342