Important Announcement

The U.S. Department of Education is reviewing the recent Executive Order regarding the Public Service Loan Forgiveness Program. The Program is not changing today, and borrowers do not need to take any action. To learn more about the current program requirements, see your progress and payment counts, or submit a PSLF form, visit StudentAid.gov/publicservice.

A federal court issued an injunction preventing the U.S. Department of Education from implementing the Saving on a Valuable Education (SAVE) Plan and parts of other income-driven repayment (IDR) plans.

Income Driven Repayment (IDR) Status - As Directed by Federal Student Aid

Status of IDR Applications – No Action Required from You.

IDR esign is now available for submission on StudentAid.gov but still cannot be processed.
Pending IDR applications cannot be processed.
Forbearances are automatically being placed for borrowers on the SAVE Repayment Plan through 7/31/2025. Borrowers that have a pending IDR application may also be placed on a forbearance until no later than 7/31/2025.
Visit StudentAid.gov/Save-Action for more information or log in to check your loan status information.

Extending IDR Recertification of Family Size and Income (Anniversary Dates) – No Action Required from You.

Recertification of IDR plans will not be required until at least February 2026.
SAVE plan recertification dates were already extended.
Income Based Repayment (IBR), Pay As You Earn (PAYE), and Income Contingent Repayment (ICR) plans are in the process of being extended. Please allow a few weeks for this extension to occur. We will notify borrowers when this is complete.

Changing Your IDR Plan

You can choose to exit your IDR plan and move into a fixed payment repayment plan. Moving between IDR plans is not currently available as processing is still paused, but you can apply for an IDR plan online. Please visit StudentAid.gov/loan-simulator to review your options.

If you're having trouble making payments, please visit StudentAid.gov/loan-simulator to review your options. You can download a forbearance or deferment form, from StudentAid.gov/forms, and upload the form to your online MOHELA account.

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Auto Pay Interest Rate Reduction

Save yourself time and ensure your scheduled payments will be made on-time each month by setting up automatic payments. There is no need to rush to the mailbox each month or worry about logging in to make a manual payment online. It’s free to apply!

Enrolling in Auto Pay means we will automatically withdraw your monthly payment from a bank account you designate each month. This also provides an interest rate reduction benefit of 0.25% for borrowers with Direct Loans (DL) and federally-owned Federal Family Education Loan (FFEL) Program loans. Auto Pay saves time and saves you money by lowering your interest rate.

Keep in mind this reduction remains in effect while you are actively participating in the Auto Pay program. Please note:

Auto Pay will not be in effect during periods of deferment or forbearance, and as a result, you will not receive the 0.25% interest rate reduction during these periods. Auto Pay will resume at the end of your deferment or forbearance, as will the 0.25% interest rate reduction.
If three consecutive payments are returned due to insufficient funds, this will result in the removal of Auto Pay and the loss of the 0.25% interest rate reduction. (Other conditions may apply.)

Apply for Auto Pay through your online account and review the Auto Pay Authorization Agreement for complete information.