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 is available. 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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Repayment

Repayment doesn't have to be overwhelming. Explore your options, learn how to manage your monthly payments, and stay in control of your student loans.

There are a variety of options to help manage the repayment of your loans. You can choose from multiple repayment plans, lower or postpone payments if needed, or make extra payments anytime through your online account. As your dedicated resource, we’re here to help you understand your account and successfully repay your loans, no matter where you are in your journey.

Repayment Plan Options

Repayment Plan Options

A variety of repayment plans are available to meet your needs, including plans based on your income and family size.

Income-Driven Repayment Plans

Income-Driven Repayment (IDR) Plans

IDR plans may offer lower payments because they are based on your income and family size. Payments can be as low as $0 per month, depending on your circumstances.

Options to Postpone Payments

Options to Postpone Payments

If you need to temporarily postpone your payments, learn more about options that might work for you.