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.
The student loan payment pause is extended until the U.S. Department of Education is permitted to implement the debt relief program or the litigation is resolved. Payments will restart 60 days later. If the debt relief program has not been implemented and the litigation has not been resolved by June 30, 2023 - payments will resume 60 days after that. We will notify borrowers before payments restart. Visit Mohela.com/covid19 or StudentAid.gov/coronavirus for updates.
Keep In Mind:
MOHELA's systems will reflect August 31, 2023 as the end of the payment pause however this date may change if the U.S. Department of Education is permitted to implement the debt relief program or the litigation is resolved before June 30, 2023.
Courts have issued orders blocking student debt relief. The Biden-Harris Administration is seeking to overturn those orders. For the latest information regarding the status of student debt relief, visit StudentAid.gov.
As of July 2022, MOHELA became the student loan servicer for Public Service Loan Forgiveness (PSLF). Borrowers pursuing PSLF will be transferred to MOHELA upon the approval of their submitted PSLF form. Check the status of your PSLF form.
Have you recently received notification that your loans will be transferring to MOHELA? Get more information about the transfer. We appreciate your patience during this transition period.
If you submitted a PSLF form or used the PSLF Help Tool on or before Oct. 31, 2022, to generate a PSLF form to take advantage of the PSLF Limited Waiver, MOHELA will continue to process these forms under the PSLF Limited Waiver rules. Get information about the PSLF Limited Waiver.
In April 2022, the U.S. Department of Education announced several updates that will bring borrowers closer to forgiveness under income-driven repayment (IDR) plans.
Based on the newly eligible months from the one-time account adjustment, borrowers who have reached 240 or 300 months' (as applicable) worth of payments for IDR forgiveness or 120 months of PSLF will begin to see their loans forgiven in spring 2023. The Department will continue to discharge loans as borrowers reach the months needed for forgiveness. All other borrowers will see their accounts update in 2024.
For more information, please visit Mohela.com/IDRAccountAdjustment.
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.
Log in to upload your documents. It's fast and easy.
Learn More if you are new to MOHELA
Find information about requirements for Public Service Loan Forgiveness (PSLF)
Manage your account on-the-go with the MOHELA App. You are just a click away from easy access.
See important account correspondence online sooner
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.
Borrowers can Self Certify for 6 months after the end of the Covid-19 Payment Pause.
No documentation of income required to apply, recalculate, or recertify.
Deferment & Forbearance
Forgiveness & Discharge
Pick a Student Loan Repayment Option external link
How to Repay Your Loans external link
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