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

• 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.