Repaying Your Loan

When Are My ABF Loan Payments Due?

Students who received a 3% loan as a part of their financial aid award begin repaying their loan 12-months after graduating. Payments are amortized over a 10 year period at which time the loan will be completely repaid. There is no fee for paying off your loan prior to the required payment start date or at any time during the 10-year period. Payments are made directly to our loan service provider, UNISA, Inc.

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 will try to work out something that meets your needs.

Contact: Robin Naik, ABF Loan Administrator
Direct Phone: 405-482-5694

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