MOHELA Is a Servicer to Federal Student Aid
You have a network of support to help you succeed with your federal student loan repayment. Find out how Federal Student Aid partners with loan servicers to be here when you need help.
Support You Can Trust
You can visit StudentAid.gov to see a list of our trusted federal student loan servicers, or submit a complaint directly to the FSA Ombudsman.
On Oct. 6, 2021, the U.S. Department of Education (ED) announced a change to Public Service Loan Forgiveness (PSLF) program rules for a limited time as a result of the COVID-19 national emergency. Now, for a limited period of time, borrowers may receive credit for past periods of repayment that would otherwise not qualify for PSLF. Check mohela.com/pslfwaiver.
Just Announced: U.S. Department of Education (ED) revealed several changes and updates that will bring borrowers closer to forgiveness under income-driven repayment (IDR) plans. ED will begin work on implementing these changes immediately, but borrowers will not see the effect in their accounts until fall of 2022. Learn more at StudentAid.gov.
Beginning July 2022, MOHELA will transition to become the student loan servicer for Public Service Loan Forgiveness (PSLF). Borrowers pursuing PSLF whose loans are serviced by FedLoan Servicing will transfer to MOHELA. Learn more about the transition of Public Service Loan Forgiveness.
We appreciate your patience during the transition period.
Check mohela.com/covid19 for information regarding student loan payments restarting, updates about student loan processing, and COVID-19.
New Message For Direct Loan Borrowers Serviced by MOHELA:
Federal student loan flexibilities for the COVID-19 emergency was extended through August 31, 2022. Our websites and systems have been updated to explain the types of relief now available for federal student loans held by the Department of Education. Visit StudentAid.gov/coronavirus for updates.
During this time no interest is accruing. In addition, no payment will be due until after the payment pause ends, unless you opted out of the forbearance (payment pause).
Have you recently received notification that your loans will be transferring to MOHELA? Get more information about the transfer.
Register to access your loan details, account information, make your payment, learn about different repayment plans, sign up for paperless delivery and more.
Act now if you're enrolled in Auto Debit to ensure your Auto Debit payments resume after the COVID-19 payment pause ends. Failure to act may result in the loss of benefits associated with Auto Debit. Visit Auto Debit Confirmation for information.
There are options to lowering your payment.
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Learn More if you are new to MOHELA
Learn More about PSLF Limited Time Waiver Opportunity
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Log in to use the Repayment Plan Evaluator to compare repayment plans and choose the one that best fits your needs.
You may qualify for a $0.00 monthly payment.
Explore information and ways to help your student successfully manage their student loan.
New to MOHELA or in Repayment, we offer several online tools to manage your account.
Self-Certification Through February 28, 2023
No documentation of income required to apply, recalculate, or recertify.
Repayment Options
Deferment & Forbearance
Forgiveness & Discharge
Pick a Student Loan Repayment Option external link
How to Repay Your Loans external link
Loan Modification
CASHLoan Info Center
If you are struggling with your student loans, please fill out this form to get help from the Ombudsman’s Student Loan Assistance Unit.
State of Massachusetts- Ombudsman’s Student Loan Assistance Unit (888) 830-6277