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.
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.
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.
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.
A .gov website belongs to an official government organization in the United States
A lock () or https:// means you've safely connected to the .gov website. Share sensitive information only on official, secure websites.
Here are some sample documents you may receive from us or other entities regarding your student loan. If you have additional questions, please contact us for assistance.
Federal Student Aid (FSA) is your federal loan provider. FSA uses servicers (private companies) like MOHELA to manage billing, questions, and payments, and to help you enroll in the best repayment plan for you.
Learn more about Federal Student Aid this link will open in a new window
See your repayment options with Loan Simulator this link will open in a new window
MOHELA sympathizes with those impacted by the recent natural disasters. If you reside in a designated disaster area declared by FEMA, you may be able to temporarily postpone your student loan monthly payment. Contact us today to determine if you qualify.
Looking for a paper copy of your 1098-E for your records? Log in to your online account and select ‘More…' followed by ‘Tax Statements' to view and print your student loan interest statement.
Due to changes in PSLF regulations, you can now buy back certain months of your payment history to make them qualifying payments for PSLF. Specifically, you can buy back months that do not count as qualifying payments because you were in an ineligible deferment or forbearance status.
The buyback opportunity is only available if you already have 120 months of qualifying employment and buying back months in forbearance or deferment would result in forgiveness under PSLF or Temporary Expanded PSLF (TEPSLF). Please note: The PSLF program is managed by the U.S. Department of Education, not MOHELA. To learn more about next steps, and general information on the program, visit Studentaid.gov/PSLFbuyback.