Important Announcement

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.

Important Updates

Saving on a Valuable Education (SAVE) Plan Recertification Dates Extended

If you're enrolled in the SAVE Plan, there's good news. MOHELA, following guidance from the U.S. Department of Education, has extended your deadline to recertify your income-driven repayment (IDR) plan. No action is needed. Watch for communication on your new recertification date.

For the latest information on the SAVE Plan, visit StudentAid.gov/save.

Income-Driven Repayment (IDR) processing

A federal court issued an injunction changed how ED can implement certain parts of IDR plans. Because of these changes, the U.S. Department of Education has instructed federal student loan servicers to deny IDR applications where "lowest monthly payment" was selected, more than one IDR plan was selected, or an IDR plan was not selected. Visit Studentaid.gov/loan-simulator to review your options and apply for an eligible repayment plan.

Saving On A Valuable Education (SAVE) Plan Administrative Forbearance

In July 2024, a federal court injunction blocked parts of the SAVE Plan. As a result, eligible federal student loans were placed in forbearance with a 0% interest rate. During this forbearance interest had not accrued; therefore, loan balances (including principal and interest) have not increased during this forbearance. You will not have to make payments until the SAVE forbearance ends. In February 2025, a second federal court injunction ended the SAVE 0% interest rate. To comply with this injunction, loan(s) in the SAVE Administrative Forbearance began accruing interest on August 1, 2025.

You can view your interest rate, outstanding interest amount, or make payment toward interest via your online account. For more information, view our FAQs!

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Public Service Loan Forgiveness

If you are participating in the PSLF Program, you can use the following links to log in to your account at StudentAid.gov to

The PSLF Program allows you to receive forgiveness of the remaining balance of your Direct Loans after you have made the equivalent of 120 qualifying monthly payments under an accepted repayment plan while working full-time for an eligible employer.

Federal Family Education Loan (FFEL) Program loans and Perkins Loans do not qualify for PSLF. However, they may become eligible if you consolidate them into a Direct Consolidation Loan. To learn more about consolidation visit StudentAid.gov/loan-consolidation this link will open in a new window .

Visit StudentAid.gov/publicservice this link will open in a new window to learn more about how to apply for PSLF or to use the PSLF Help Tool at StudentAid.gov/pslf this link will open in a new window to complete your PSLF form online.