Now all you can and should do is, as Joe said, "catch up". In that situation, I would make the payment anyway, then find out why they thought you were current. You had intended to pay, you had the $$$. If it turns out you made an extra payment, you just reduced your principal and chopped months off your payment schedule. That's almost always a good thing (exception is if you have a prepayment penalty - and even then, it may be a good thing).