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Give Your Finances a Boost with EdFed's Winter Skip-a-Pay1

Celebrate the Season with a Little Extra Cash in Your Pocket

Skip Your December or January Loan Payment

Need extra cash this winter? Skip your December or January loan payment for just $25 with EdFed's Winter Skip-a-Pay1 program and boost your cash flow for the holidays.

Act now to skip your December or January payment (either one monthly or two bi-weekly payments) on select EdFed loans:

  • Auto
  • Boat
  • Motorcycle
  • RV
  • Computer
  • Personal Signature
  • Personal Line of Credit
  • Share Secured
  • Share Certificate
  • Summer Bridge
  • Payday

If you have an eligible loan, you can participate.

Whether you are holiday shopping, planning a special trip, or simply saving for the new year, skipping a payment gives you the freedom to spend on what matters most.

To skip an EdFed loan payment this winter, log into EdFed 24/SEVEN, call our Member Contact Center, or visit your nearest EdFed branch today!

If you need additional financial assistance during the holidays, an EdFed Personal Loan can help. Speak to a Lending Center representative today for more information.

*The Winter Skip-a-Pay Program is available between 11/17/2025-1/28/2026 for loans disbursed by 09/30/2025 and in good standing. Requests must be submitted at least three (3) days prior to the loan due date. The "Winter Skip Period" is your next scheduled payment(s) for December or January. Number of payment(s) skipped for the period selected will vary depending on payment agreement. During the Winter Skip Period, interest and finance charges will continue to accrue on your loan(s); however, you will not be required to make your regularly scheduled payment(s) and late payment charges will not be imposed. Participating in the Winter Skip-A-Pay Program will extend the term of your loan and will increase the total amount of interest and finance charges you will pay on your loan. Your regularly scheduled payments will resume in the billing cycle following your Winter Skip Period. Additional loan eligibility criteria includes that: the loan must not be a mortgage, home equity loan, Visa credit card, new/used Beat-the-Lease auto loan or workout loan; for bi-weekly or semi-monthly payments, the loan must have two remaining payments due in the month; for weekly payments, the loan must have four remaining payments due in the month; the loan must not have delinquency in the last 60 days; and the loan minimum payment must be equal to or greater than $50.00/month.