Skip to Main Content
Financial Student Aid Official Servicer of Federal Student Aid.  
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.

MOHELA Logo
Main Navigation
  Search
  • Make a Payment
  • Repayment Options
  • Payment Methods
  • PSLF
    • Public Service Loan Forgiveness
    • PSLF Overview
    • PSLF Form Status
    • Seven Steps for PSLF Success
    • Still Have Questions
    • Employer Resource Center
    • PSLF Discharge Information
  • TEACH Grant
    • TEACH Overview
    • Completing the TEACH Grant Certification Form
    • Qualifying for a Temporary Suspension
    • Converting to a Loan
  • Info Center
  • Contact Us
  • Create an Account

MOHELA Homepage

Federal Student Aid Badge
Close Account Access Popup 

Secure Login

  Log In Now
Forgot User Name? Forgot Password?

Don't Have an Account?

Register to access your loan details, account information, make your payment, learn about different repayment plans, sign up for paperless delivery and more.

  Register  Help Logging In

Important Features and Options

For a Limited Time, Income-Driven Repayment (IDR) Self-Certification is Available

Direct Loan borrowers can self-report income for an IDR plan. No documentation required to apply, recalculate, or recertify.

The option to self-certify income ends six months after the payment pause ends.

Self-Certify IDR Now

Update Your Income Driven Repayment (IDR) Plan

If your income or family size has changed, you can request your IDR plan payment be recalculated to potentially reduce your monthly payment or you can switch IDR plans at any time. This includes the SAVE (formerly the REPAYE program), PAYE, IBR, and ICR plans.

The SAVE plan provides the lowest monthly payments of any IDR plan available to nearly all student borrowers.

Visit our Repayment Plan Evaluator to recalculate or switch your IDR plan.

Account Management Tools

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

Manage Your Account

Need a Lower Payment?

There are options to lowering your payment.

Explore Repayment Options

Upload Documents

Log in to upload your documents. It's fast and easy.

Upload Documents

New to MOHELA

Learn More if you are new to MOHELA

Public Service Loan Forgiveness

Find information about requirements for Public Service Loan Forgiveness (PSLF)

FAQ's

Find Answers

Mohela Mobile App

Check out our MOHELA App


Manage your account on-the-go with the MOHELA App. You are just a click away from easy access.

Apply for Auto Debit

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

Go Paperless

See important account correspondence online sooner

Learn More about Paperless

Trouble making payments?

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.

Learn More by trying the Repayment Plan Evaluator

Parent Tips

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

Learn More about information for parents
 Pause
 Play

Military

Work for the government or not-for-profit?

Teacher Loan Forgiveness

Tax Information

Avoid Student Loan Scams

Payment options based on your situation

Welcome TEACH Grant Recipients

Find out more about TEACH Grants

Federal Direct Loans

  • Repayment Options

  • Deferment & Forbearance

  • Forgiveness & Discharge

  • 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

  • Forgiveness & Discharge

  • CASHLoan Info Center


Important Announcements


  • High Call Volume

    Due to the unprecedented event of millions of student loan borrowers returning to repayment at the same time, you may experience longer than normal wait times to speak to a Customer Service Representative. Self-service is available 24/7 by logging in to mohela.com or StudentAid.gov. There you can explore your repayment plan options which may help to lower your monthly payment amount. We appreciate your patience.

  • Saving on a Valuable Education (SAVE) Repayment Plan (formerly the REPAYE Plan)

    The SAVE plan provides the lowest monthly payment of any income-driven repayment plan available to nearly all student borrowers. If you were previously participating in the Revised Pay as You Earn (REPAYE) plan, you will automatically be enrolled in the SAVE Plan and your payment recalculated before payments resume, no action is required. If you want to enroll in the SAVE plan and calculate what your estimated monthly payment may be, use Loan Simulator.


  • Return to Repayment

    Student loan interest started accruing again on Sept. 1, 2023. Payments will be due starting in October. We will send a billing statement at least three weeks before payment is due. Log in to your account to ensure your contact information is current, enroll in paperless delivery, and sign up for Auto Debit, which could lower your interest rate by 0.25%.

    If you need a lower monthly payment amount, consider signing up for an income-driven repayment plan, like the new SAVE Plan, now. We encourage you to visit Federal Student Aid's Loan Simulator. There you can review repayment plans, see estimated payments and costs, and apply for the repayment plan that works best for you.

  • Income-Driven Repayment Account Adjustment

    Update: If you received an email from Federal Student Aid regarding income-driven repayment forgiveness, please know that we are working to process your forgiveness as soon as possible. Once the forgiveness has been applied, you will be notified. Our customer service representatives do not have any further information about this forgiveness to provide at this time.



    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 StudentAid.gov/IDRAdjustment.

  • Public Service Loan Forgiveness

    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. 

    An Update on Regulation Changes to the PSLF Program

    Federal Student Aid is implementing regulatory changes to the Public Service Loan Forgiveness (PSLF) Program effective July 1, 2023. MOHELA's communication channels regarding these regulatory changes will be updated in the coming weeks. Please visit StudentAid.gov for current updates to the PSLF Program.


Footer

Federal Student Loan Management

  • Postpone Payments
  • Loan Forgiveness & Discharge
  • Loan Consolidation
  • Military Benefits

Help & Support

  • Contact Us
  • Info Center
  • FAQs
  • Schools
  • Sitemap

About Us

  • New to MOHELA
  • About MOHELA
  • Careers
  • Feedback
  • WebMaster

Connect

Facebook icon LinkedIn icon Twitter icon

Mobile Apps


Contact Info

Direct Loan (DL) / Federal Family Education Loan (FFEL) Servicing:
888.866.4352 (Toll Free)
636.532.0600 (International)
TTY: Dial 711
Fax:
1.866.222.7060 (Toll Free)
636.787.2790 (International)

Public Service Loan Forgiveness:
855.265.4038 (Toll Free)


Direct Loan (DL) / Federal Family Education Loan (FFEL) Servicing & Public Service Loan Forgiveness (PSLF) Information:

Hours of Operation:
Monday: 7 AM – 8 PM CT
Tuesday - Wednesday: 7 AM – 7 PM CT
Thursday - Friday: 7 AM – 5 PM CT


CASHLoan Servicing:
888.866.4352 (Toll Free)
Monday - Thursday: 7 AM – 9 PM CT
Friday: 7 AM – 5 PM CT

  • Privacy Policy
  • Security
  • Accessibility
  • StudentAid.gov
  • Massachusetts State Ombudsman
NMLS Resource Center NMLS # 1442770
Copyright © 2023 Higher Education Loan Authority of the State of Missouri(MOHELA). All Rights Reserved.
5

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