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Checkmate IITM (ACH)
Make monthly recurring payments (free of charge). Log in to your account to apply online or download the application. You must be an authorized signer on the checking or savings account (or the account must be in your name).

Log in to your account to make or schedule a one-time payment (free of charge).

Mobile web
Already registered? Login to mobile web with your User Name and Password to make or schedule a payment free of charge. Not yet registered? Register.

Automated Phone System
Make a payment by phone 24 hours a day (free of charge).

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Experiencing difficulty making your payments?
Log in to your account and view Loan Options (on the left side of the screen) for information on Deferments , Forbearances, and Repayment Plans.

Campus Based Student Loans
Please include your remittance coupon and mail to the lockbox address on your coupon. If you do not have your coupon, send your check to:

P.O. Box 7061
Utica, NY 13504-7061

Please include your full account number on your check or money order.

Customer Service
Make a payment (free of charge) by speaking with a Customer Service Representative during regular business hours.

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Authorized Payer
Log in to your account to give online access to a third party to make a payment on your account with ExpressPaySM.

Bill Payer Service
Find out how to set up your account with a bill payer service.