COVID-19 Information

  • Direct Loans

    Last Updated Jan. 21, 2021

    On March 20, 2020, the Secretary of Education directed the office of Federal Student Aid to provide the following relief on ED-held federal student loans:

    • suspend loan payments

    • stop collections on defaulted loans

    • set interest rates to 0% for a period of 60 days

    On March 27, 2020, Congress passed, and the president signed into law, the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), which provides for the above relief measures through Sept. 30, 2020.

    On Aug. 8, 2020, President Trump directed the Secretary to continue to suspend loan payments, stop collections, and waive interest on ED-held student loans until Dec. 31, 2020.

    On Dec. 4, 2020, federal student loan flexibilities for the COVID-19 emergency were extended through Jan. 31, 2021.

    On Jan. 20, 2021, the COVID emergency relief flexibilities were extended at least through Sept. 30, 2021. During this time no interest is accruing and no payment will be due before at least Oct. 1, 2021 - unless you opted out of the forbearance. We are updating our website and system as quickly as possible. We appreciate your patience.

    This page as well as will be updated with information for students, borrowers, and parents on a regular basis, so please check back frequently.

    Below are the actions being taken to provide continued relief:

    0% Interest Rate

    • As of March 13, 2020, your interest rate is 0% and this interest rate was extended through Jan. 31, 2021. This interest rate is in the process of being extended at least through Sept. 30, 2021.

    • Payments made on or after March 13, 2020 were automatically adjusted.

    • Payments are applied first towards the interest accrued prior to March 13, 2020 and the remainder is applied to the principal balance.

    Temporarily Postponed Payments Through Sept. 30, 2021

    • In addition to receiving a 0% interest rate effective March 13, 2020, an Administrative forbearance was automatically placed on your Direct Loans from March 13, 2020 through Sept. 30, 2020 and was extended through Jan. 31, 2021. This forbearance is in the process of being extended at least through Sept. 30, 2021.

    • Monthly billing statements stopped on April 2, 2020 No payments due.

    • Auto-Debit stopped for the April 3rd due date forward. No payments due.

    During the Administrative Forbearance

    • If your income has changed and you would like to recalculate or apply for Income-Driven Repayment (IDR), visit If approved, the IDR payment plan will begin after the forbearance ends.

    • If you are on a qualifying repayment plan prior to the suspension, and work full-time for a qualifying employer during the suspension, you will receive credit toward Public Service Loan Forgiveness (PSLF) for the period of suspension as though on-time monthly payments were made.

    • If you are currently on an IDR plan, the administrative forbearance period counts toward Income-Driven Repayment (IDR) forgiveness.

    • You can continue to make payments at any time on, by mail or through your bank (excludes our auto-debit program).

    • If you made a payment on/after March 13, 2020 and would like this refunded, please contact our customer service.

    • Please keep your contact information up to date on

    Opting Out (Ending) the Administrative Forbearance

    • If you prefer to be due for payment before Sept. 30, 2021, resume billing/auto debit, you can request to end this forbearance by contacting MOHELA through one of the methods listed below:

      • Calling Customer service

      • Logging in to to submit your request by secure email

      • Mailing your request to: MOHELA 633 Spirit Drive Chesterfield, MO 63005

      • If you choose to end this forbearance, please allow at least 21 days to begin billing you again.

    • If your loans become more than 30 days past due, this forbearance will automatically be applied again at least through Sept. 30, 2021. has information about topics such as the 0% interest period, forbearance (temporary suspension of payments), and defaulted loans.

  • FFELP Loans

    With the National Emergency declared by the President on March 13, 2020, due to the Coronavirus (COVID-19) situation, we want to provide you an update regarding your student loan account.  We are committed to assisting you with your student loan needs and will continue to provide updates regarding the actions we are taking to help you.

    • A National Disaster/National Emergency forbearance may be available for request by calling customer service at 888.866.4352 or sending a secure message through your online account.

    • If you are participating in Auto Debit and you need relief from making payments, you can suspend your Auto Debit by calling customer service at 888.866.4352.

    • To apply for or renew an Income-Based plan, please visit

    • If you decide to consolidate your loan(s) into a Direct Loan Consolidation to receive a 0% interest rate temporarily, please be aware of the following:

      • After the 0% interest rate period ends after Dec. 31, 2020, the interest rate on your consolidation loan may be higher than what you were paying before you consolidated your loans.

      • When you consolidate, any outstanding interest will capitalize, meaning that any outstanding interest will be added to your principal balance.

      • You will also lose credit for any qualifying income-driven repayment payments that you may have previously made.

      • Visit Loan Consolidation for more information.

    • All other options to defer or reduce your monthly payment remain in full force and are based on regulations and eligibility. Visit Repayment Options/My Situation for more information.

  • CASHLoans

    We are here to assist with you student loan needs during the Coronavirus (COVID-19) situation.  If you or your family has been impacted by COVID-19, please contact MOHELA at 888.866.4352 or send us a secure message through your online account at  Options are available to help manage your student loan repayment which include pausing of payments through forbearance or a modification to existing loan terms.