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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.

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  • COVID-19 Information

    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.


  • Student Loan Debt Relief is Blocked

    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. 

  • 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. 

  • Income-Driven Repayment Account Adjustment

    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. Borrowers who have reached the required number of payments for IDR forgiveness will begin to see their loans forgiven in spring 2023.

    All other borrowers will see their accounts update in summer 2023. If you have Perkins loans or commercially held FFELP loans, you can only get the full benefits of the one-time account adjustment if you consolidate by May 1, 2023.

    For more information, please visit Mohela.com/IDRAccountAdjustment.

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

Public Service Loan Forgiveness

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

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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

Account Management Tools

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

Manage Your Account

Now for a Limited Time Income Driven Repayment (IDR) Self-Certification is available.

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.

Self-certify IDR Now

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Teacher Loan Forgiveness

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Welcome TEACH Grant Recipients

Find out more about TEACH Grants

Federal Direct Loans

  • Repayment Options

  • Deferment & Forbearance

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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

  • Forgiveness & Discharge

  • CASHLoan Info Center


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Federal Student Loan Management

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Contact Info

Direct Loan (DL) / Federal Family Education Loan (FFEL) Servicing:
888.866.4352 (Toll Free)
636.532.0600 (International)
TTY: Dial 711
Fax:
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 – 10 PM CT
Tuesday - Friday: 7 AM – 7 PM CT
Saturday: 9 AM – 1 PM CT


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

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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