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***IMPORTANT SBA COVID EIDL UPDATE***
Treasury cannot return COVID EIDL or COVID PPP loan debts back to the Small Business Administration. We are aware that there may be misinformation online falsely suggesting that Treasury may return these debts to SBA, please refer to our online resources for reliable information.
As of September 2025, SBA started referring delinquent COVID EIDL debts to the Bureau of the Fiscal Service’s Cross-Servicing program. Once referred, it may take up to 21 days for a demand letter to be mailed to you. To make a payment, please follow the instructions provided in the letter sent to you by Fiscal Service or a Private Collection Agency.
The Bureau of Fiscal Service cannot help with debts being serviced at a Private Collection Agency. If you have questions about a debt being serviced at a Private Collection Agency, please review your demand letter for contact information for that Private Collection Agency.
Loans in default remain eligible for offset through the Treasury Offset Program.
General information and guidance for our debt collection programs is available at https://fiscal.treasury.gov/debt-management/index.html.
For specific questions about a debt that has been referred to Fiscal Service's Cross-Servicing program for collection, please contact the Cross Servicing Call Center between 7:30am – 5:30pm (Central Time) Monday to Friday for English. Spanish-speaking agents are available from 8:30am to 11:30am and 12:30pm to 3:30pm (Central Time).
If you have specific questions about a debt that has been referred to Fiscal Service’s Treasury Offset Program (TOP), you must call the referring creditor agency. If you do not know who that agency is, please call the TOP IVR.
- Cross-Servicing Call Center: 1-800-289-7388
- TOP IVR: 800-304-3107
- International callers: Consult our International Calls Phone List.
- For hearing impaired callers, Telecommunications Relay Service: 711
You may also send written correspondence to:
U.S. Department of the Treasury
P.O. Box 830794
Birmingham, AL, 35283-0794
Fax: (855) 292-9700
If you would like to correspond with Fiscal Service on behalf of a debtor, you must have authorization, such as a power of attorney or a completed authorization form.
For information about how to make a payment to a debt in the Cross-Servicing program, please visit https://fiscal.treasury.gov/cross-servicing/resources/make-a-payment.html.
If you would like to contact our Centralized Receivables Service (CRS), please call a CRS Payment Servicing Specialist at 1-888-618-3103 or send correspondence to PO Box 19296, Springfield, IL 62794-9296.
Are You Looking for a Specific Topic?
To find information for a single problem or program, select from the options below:
Pay my debt
You can do this through Pay.gov online, by mail, or by phone.
I received an invoice/past due notice
Find out more about CRS
Resolve a student loan
Contact the Department of Education
My federal payment was reduced
Learn more about TOP
My wages were garnished
Learn about Cross Servicing