Repaying Your Loan

Deferral Request Queries

Robin Naik

ABF Loan Administrator

Phone:  (405) 482-5694

Xerox-ACS Loan Processing Service

We out-source our loan processing to a company called ACS (purchased by Xerox Education Services), so you will receive information and loan payment coupons on a regular basis from them. Go to, to register a username and password that you create where you can view payment information, make a payment for free, sign up for e-billing, and change your contact information.

When Are My Payments Due?

Payment begins one year after you graduate.  A few months before your first payment is due, ACS will contact you by mail regarding your payment schedule. Please refer to your individual promissory notes to determine the interest rate and repayment duration (term) as our rates and terms have changed over the years. There is no fee for paying off your loan prior to the required payment start date. If you have other loan accounts in ACS, please ensure that payments are made for your ABF account(s) starting with 36000-.

Making Payments

All payments should be made through ACS. You can pay by mail, phone, or online. You can even set up automatic debits from your bank account.

If you have a coupon book, you can send a check to:

The Albert Baker Fund
PO Box 3295
Milwaukee, WI 53201-3295

If you don’t have a coupon book, you can send a check to:

The Albert Baker Fund
PO Box 7061
Utica, NY 13504-7061

What if I Can’t Make My Payment?

If you are having financial difficulties, you can contact us directly at We genuinely want to help, and we will try to work something out.

Deferring Payments

You may defer payments under certain circumstances, but you must file a formal request.

Contact ACS directly if:

  • Resuming your education as a full-time student
  • Serving in the U.S. military or Peace Corps

Contact ABF directly if:

  • Receiving unemployment assistance
  • Struggling with economic hardship

1098 Tax Forms

All borrowers can download their 1098E tax form from  If you experience any difficulty in accessing the form please call ACS Customer Service department at 1 (800) 826-4470.