Repaying Your Loan

Deferral Request Queries

Robin Naik

ABF Loan Administrator

Phone:  (405) 482-5694

When Are My Payments Due?

Payments begin one year after you graduate. There is no fee for paying off your loan prior to the required payment start date. Please make your payments to our loan service provider, UNISA, Inc.  UNISA’s contact information is:

PO Box 4385
Englewood, CO 80112-1279
(800) 875-8910

What if I Can’t Make My Payment?

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

Current Options for Deferring Payments

You may be eligible to defer your student loan payments due to changing circumstances or status. However a formal request must be filed with our loan administrator.

If you would like to request a 3-month deferment, or you need an extension to a previous approved loan payment deferment, we encourage you to contact Robin Naik, our loan administrator, at

Circumstances warranting deferment of payments:

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

Contact ABF at if you are in the following situations:

  • Receiving unemployment assistance
  • Struggling with economic hardship