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Important Announcement

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.

Important Announcement

The U.S. Department of Education is contacting borrowers with delinquent federal student loans. We’re here to support you if you're having trouble making payments. Visit StudentAid.gov/loan-simulator to make sure you're on a repayment plan that works best for you, or to review temporary relief options such as forbearances or deferments.

Stay on track with your payments by enrolling in Auto Pay. You could also receive a 0.25% interest rate discount.

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Public Service Loan Forgiveness

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

  • View your PSLF payment counts this link will open in a new window
  • View your payment history this link will open in a new window
  • View your employment history this link will open in a new window
  • View your PSLF form status this link will open in a new window

Please note: The PSLF program is managed by the U.S. Department of Education (ED), not MOHELA. Additionally, ED determines the eligibility of employment and payments towards PSLF. 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.

Waiting for forgiveness? Even after you reach 120 qualifying payments, MOHELA can only discharge your loans once we receive a file from ED.

Please note: Refunds are issued directly from the Department of Treasury.

PSLF Buyback: 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 buyback 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 this link will open in a new window .

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Need Help Creating an Account or Logging In?

Welcome to our new online portal! Here are a few tips for creating and logging into your online account:

  • Mohela.com login information didn't transfer over with your loan(s). You need to create a new account if you haven't already.

  • User ID - Your User ID must be between 6 and 62 characters. User ID's cannot include special characters such as parenthesis "()" or brackets, "{}, []".

  • Password - Your password must be between 8 and 32 characters with at least three of the following:

    • a lowercase letter, an uppercase letter, a number, and a special character, except for parenthesis "()", brackets, "{}, []", and an ampersand, "&".

  • Password Hint - your password hint cannot contain any special characters

Struggling to afford your payment? You have options!

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.

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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.

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About Federal Student Aid

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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

Important Announcements

  • Status of IDR Applications – No Action Required from You.

    • 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.

  • Credit Reporting

    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.

  • Public Service Loan Forgiveness (PSLF) Buyback

    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.