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.
The U.S. Department of Education is contacting borrowers with federal student loans in default. This applies to you only if your loans are in debt collection.
If all your loans are serviced by MOHELA, you won't be contacted. MOHELA does not service defaulted student loans.
If you are behind in making payments, MOHELA can help you bring your loans current and avoid the consequences of default.
If you don't know who your loan servicer(s) is or to check if your loans are in default, log in to your StudentAid.gov account with your FSA ID.
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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
IDR processing has resumed for IBR, PAYE, and ICR applications for borrowers who file taxes as single, or married with no income. All other IDR applications will remain on hold at this time. We will notify you once your application has been processed.
IDR esign is available for submission on StudentAid.gov
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.
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.
Information about your student loans is reported to the four nationwide consumer reporting agencies. Based on the information provided, each individual consumer reporting agency uses their own unique scoring model to determine your FICO credit score.
These credit reporting practices apply to all student loans that are owned by the Department of Education.
We will begin to report a loan delinquent once it is 90 days or more past due on the last date of the month.
We report to the consumer reporting agencies (CRA's) monthly, on the last day of every month. Monthly reporting excludes loans that were previously reported in a final credit reporting status (for example, paid in full, transferred, etc.) and loans where credit reporting is bypassed or deleted. Please note the CRA's need time to update reporting once we have reported information to them.
We will report each individual loan to the consumer reporting agencies as one unique tradeline that will appear on your credit report.
We are not authorized to complete "goodwill requests" for credit updates, per the directive of Federal Student Aid.
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.