Important Announcements

On Dec. 9, 2025, the U.S. Department of Education announced a proposed settlement agreement that would end the Saving on a Valuable Education (SAVE) Plan. The settlement must be approved by the court before it can be implemented. Borrowers can use the Loan Simulator to begin exploring other repayment options. For more information, visit StudentAid.gov/courtactions.

On Oct. 30, 2025, the U.S. Department of Education published final Public Service Loan Forgiveness (PSLF) program regulations that will be effective on July 1, 2026. We'll provide updates when the regulations are implemented. For now, there are no impacts to borrowers, payment counts, or discharges.

Visit StudentAid.gov/publicservice for more information about PSLF and current program requirements.

For more information about employer eligibility, visit StudentAid.gov/pslf/employer-search.

To apply for PSLF, use the PSLF Help Tool at StudentAid.gov/pslf.

Important Updates

PSLF and PSLF Buyback

The PSLF program is managed by the U.S. Department of Education not MOHELA. To learn more about your next steps, and general information on the programs, visit Studentaid.gov/PSLF or Studentaid.gov/PSLFbuyback.

SAVE (Saving On A Valuable Education)

On August 1, 2025, interest began accruing on the SAVE Administrative Forbearance. Visit StudentAid.gov/SAVE to learn more. You can leave the forbearance by switching to an eligible repayment plan using Loan Simulator.

2025 Tax Information

Tax information will be available by January 31. Log in and select "More" then "Tax Statements" from the navigation bar to view your tax information on or after January 31.

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Total and Permanent Disability Discharge

If you are unable to work because of a total and permanent disability, or are a veteran who is unable to work due to a service-related disability, you may qualify to have your federal student loans discharged. To learn more about TPD Discharge, eligibility requirements, how to apply or check the status of your application, please contact the U.S. Department of Education (ED) using the information below.

Tax Implications if Your Loans are Discharged

As a result of a change in tax law, loan balances that are discharged due to TPD are not considered income for federal tax purposes if you receive the discharge during the period from January 1, 2018, through December 31, 2025. If you qualify for a TPD discharge based on documentation from the VA, the date you are considered to have received the discharge for tax purposes is the date that we approve the qualify for a TPD discharge based on documentation from the Social Security Administration or a physician's certification, the date you are considered to have received the discharge for tax purposes is the completion date of your three-year post- discharge monitoring period.

If you receive a Form 1099-C, you should keep the form for your records, but you do not need to include it when filing your federal tax return. For additional information, visit irs.gov  this link will open in a new window .

The discharged loan amount may be considered income for state tax purposes. You may want to consult with your state tax office or a tax professional before you file your state tax return.