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What this means to you

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.

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  • PSLF Waiver Offers Way to Get Closer to Loan Forgiveness

    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.

  • Income-Driven Repayment and Public Service Loan Forgiveness Program Account Adjustment

    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. 

  • COVID-19 Information

    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:

    Just Announced: Federal student loan flexibilities for the COVID-19 emergency have been extended through August 31, 2022. We are updating our websites and systems as quickly as possible to explain the types of relief now available for federal student loans held by the Department of Education. We appreciate your patience. 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).

  • Welcome FedLoan Servicing Borrowers!

    Have you recently received notification from FedLoan Servicing that your loans will be transferring to MOHELA? Get more information about the transfer.

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Important Features and Options

Auto Debit Confirmation Required:

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.

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Learn More about PSLF Limited Time Waiver Opportunity

Public Service Loan Forgiveness

Learn More about PSLF Limited Time Waiver Opportunity

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Apply for Auto Debit

  • You may qualify for a .25% interest rate reduction
  • Ensure on-time payments
  • Free to apply
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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.

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Parent Tips

Explore information and ways to help your student successfully manage their student loan.

Learn More about information for parents

Account Management Tools

New to MOHELA or in Repayment, we offer several online tools to manage your account.

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Income Driven Repayment (IDR)

Self-Certification Through November 1, 2022

No documentation of income required to apply, recalculate, or recertify.

Self-certify IDR Now

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Federal Direct Loans

  • Repayment Options

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  • Pick a Student Loan Repayment Option external link

  • How to Repay Your Loans external link


Family Education Loan Program (FFELP)

  • Repayment Options

  • Deferment & Forbearance

  • Forgiveness & Discharge

  • Pick a Student Loan Repayment Option external link

  • How to Repay Your Loans external link


CASHLoans
(Owned by MOHELA)

  • Loan Modification

  • Deferment & Forbearance

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  • CASHLoan Info Center


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Direct Loan (DL) and Federal Family Education Loan (FFEL) Programs:
7 AM – 10 PM CT
Monday
7 AM – 7 PM CT
Tuesday – Friday
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Saturday

CASHLoan:
7 AM – 9 PM CT
Monday – Thursday
7 AM – 5 PM CT
Friday

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Attention Massachusetts Borrowers



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