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:


7400 East Arapahoe Road

Englewood, CO 80112-1279

(800) 875-8910

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.

Please contact our office if you have any questions or concerns. We can be reached at 916-594-9513 or

Deferring Payments

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

Circumstances warranting deferment of payments:

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

Contact ABF if you are in the following situations:

  • Receiving unemployment assistance
  • Struggling with economic hardship