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.
Good news! Processing has resumed for IBR, PAYE, and ICR plans.
If you submitted an Income-Driven Repayment (IDR) application prior to April 27th, 2025, and your application has not been processed yet, you can now reapply at StudentAid.gov to use your IRS verified income and select an eligible plan which may expedite processing. Your previous application will be automatically canceled. You can track your application status by logging into your StudentAid.gov account.
Please Note:
Applications for the SAVE plan and “lowest monthly payment” requests are still on hold and loans will stay in an administrative forbearance.
You can opt out of this forbearance by moving to a different eligible repayment plan. Visit Studentaid.gov/loan-simulator to review your options.
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.
After you make 20-25 years of qualifying payments on an IDR plan, your remaining loan balance(s) may be forgiven. These repayment plans also work for Public Service Loan Forgiveness. If you are participating in an IDR plan, you can use the following link to log in to your account at StudentAid.gov to
View your IDR payment counts this link will open in a new window
Past periods of repayment, deferment, and forbearance might now count toward IDR forgiveness because of the payment count adjustment. To learn more, visit https://studentaid.gov/announcements-events/idr-account-adjustment this link will open in a new window for more information.
To learn more about Student Loan Forgiveness, visit https://studentaid.gov/manage-loans/forgiveness-cancellation this link will open in a new window or more information.
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
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, with the status as of 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.
For more information, visit mohela.studentaid.gov/credit.
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.