Joy Stokes Loan

Who services your Joy Stokes Loan?

Western’s Student Business Office is the servicer of your Joy Stokes Loan. How do I make a payment on my Joy Stokes Loan?

Mail your Joy Stokes Loan payments to the address on the right.


Sign up for AutoDraft

Autodraft is a service offered by Western that automatically drafts your monthly or quarterly student loan payment from your checking or savings account on the date you specify. AutoDraft is available to borrowers with all loan types and is processed electronically through the Federal Reserve National Clearinghouse. Signing up for AutoDraft is easy!

Enroll online by going to the Western Payment Portal and selecting ACH from the left-hand navigational bar. Need Help? Call 360-650-2865


Do Joy Stokes Loans have deferment privileges?

Joy Stokes loans do have unemployment/economic hardship deferment privileges. Also, if you return to school as at least a half-time, you can defer your loan with in-school status. This will defer your interest and principal payments.

Even though you may not qualify for a deferment, if you are experiencing economic hardship please call our office at (360)650-2865 and we can discuss a special billing arrangement that is sensitive to your economic needs.


Do Joy Stokes Loans have cancellation privileges?

Sorry, but Joy Stokes Loans cannot be cancelled.


Western Washington University


Perkins Payment Center
Old Main 110 MS9003
516 High St
Bellingham, WA 9825-9003






Monday - Friday 9am-4pm



Page Updated 10.02.2013