Frequently Asked Questions for the PSLF Limited time Waiver that ended Oct. 31, 2022
What if I’m waiting on ED to review my employer’s eligibility?
As a result of the incredible response to the limited PSLF waiver, we are experiencing high volumes of employer reviews. Many
factors contribute to review times including the complexity associated with determining if an organization provides a qualifying
service, the accuracy of the information submitted (e.g. EIN and employer name), and your employer’s organizational structure. Once
the U.S. Department of Education (ED) completes its review of your employer’s eligibility, you will be notified.
As long as you used the PSLF Help Tool on or before Oct. 31, 2022, and a review is pending, you will receive the benefits of the
limited PSLF waiver if ED determines the employer is eligible.
What if the processing of my consolidation is not complete by Oct. 31, 2022?
If you have FFEL, Perkins, or other loan types that are not Direct Loans, your consolidation application must have been
submitted online through
StudentAid.gov by 11:59 p.m. ET on
Oct. 31, 2022, in order for you to receive the benefits of the limited PSLF waiver.
What if I submitted my PSLF form and I’m waiting for a response?
Due to the flexibilities offered under the limited PSLF waiver and this rare opportunity, there are unprecedented volumes of PSLF
form submissions and consolidation applications. It will take time for MOHELA to process all of the form submissions and make adjustments
to your accounts.
We expect that it may take at least 90 business days for MOHELA to process these forms. Many factors impact processing times, including
if your loans were with another servicer and require a transfer, if the form had any missing fields such as an employer’s EIN, the number
of PSLF forms we receive, and if ED is reviewing your employer’s eligibility, among other factors.
If the processing of your form is not complete until after Oct. 31, 2022, you will still receive the benefit of the limited PSLF
waiver if your form is later approved.
In the meantime, you may receive several auto-generated communications from MOHELA’s system to inform you of intermittent actions such
as your employment has been approved, the transfer of your loans is complete, or your consolidation has been processed. For the most
up-to-date status of your payment count, we recommend periodically checking MOHELA’s borrower portal for real-time actions.
To learn more about the limited PSLF waiver, please visit