> ## Documentation Index
> Fetch the complete documentation index at: https://knowledge.uportal360.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Overpayments

> NOTE: If an account is delinquent, overpayment will go to the monthly payment and the past due amount before applying to any future payments.

### What is considered an Overpayment?

* An overpayment occurs when a consumers pays more than their required monthly payment amount.

### How can the system handle the overpayment?

* Keep Due Date - The consumers next monthly payment amount and due date remain the same. Any extra amount paid is applied to the outstanding principal, unless the account is delinquent.
  * EX: Monthly payment is $100, Payment made is $300. The next payment is still $100 and the due date will not change. The extra $200 goes to reducing the principal.
* Push Due Date - The system will calculate how many monthly payments were covered by the payment and the next due date will be pushed out by that number of months.
  * EX: Monthly payment is $100, Payment made is $300. Three payments were made, the next due date will be pushed out two more months. (because one payment covers the current month and the additional two push the schedule forward).

### Who decides how the overpayment is used?

* The overpayment method is configured when the program was originally set up.

### Can the consumer request for the overpayment to be applied differently?

* Yes, the consumer can request for their overpayment to be applied either by Keep due date or Push due date.
* If a consumer requests a different handling method than what is configured for their Finance Program:
  * UAS will create a support ticket.
  * A UAS representative will manually adjust the account as requested by the consumer.

### Who should I contact if I have additional questions?

* Please reach out to your client success point of contact for additional clarification or (888) 842-2461.