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.
In observance of Labor Day our offices will be closed on Monday, September 2. Please note, payments may take up to five business days to post to your account. This delay will not change the effective date of your payment.
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Mail or fax your forms to:
Fax: 866-222-7060
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Below is a list of forms to assist you in managing your student loan account.
For borrowers who are pursuing PSLF or TEPSLF this link will open in a new window, you can use this form to update your count of qualifying payments or apply for PSLF and TEPSLF.
You can use the online PSLF Help Tool to check if your employer qualifies, learn what actions you may need to take to become eligible for PSLF or TEPSLF, and generate the PSLF form.
For borrowers whose school misled them or violated state law in relation to the borrower?s loan or education, this form allows you to apply for borrower defense to repayment.
For borrowers with a qualifying disability, you can use this form to apply for total and permanent disability discharge this link will open in a new window.
For borrowers with a qualifying disability, you can use this form to designate another person to act on your behalf.
For borrowers who are qualifying teachers, you can use this form to apply for Teacher Loan Forgiveness this link will open in a new window.
For borrowers whose school closed during the borrower?s enrollment or within 120 or 180 days after the borrower withdrew, depending on when the loans were disbursed, you can use this form to apply for a closed school discharge this link will open in a new window.
For borrowers who believe they do not owe the full loan amount because the school should have returned some of the money it received, this form allows you to apply for an unpaid refund discharge this link will open in a new window. This form may also be used by parent PLUS borrowers.
For borrowers whose school certified their eligibility for a loan and who had a condition that would disqualify them from meeting state requirements for employment in the job they trained for. Use this form to apply for a false certification discharge this link will open in a new window. This form may also be used by parent PLUS borrowers.
For borrowers who did not have a high school diploma or GED when they enrolled or do not think the school properly certified the student?s ability to benefit from the education the borrower paid for with this loan, You can use this form to apply for a false certification discharge this link will open in a new window. This form may also be used by parent PLUS borrowers.
For borrowers who believe that a loan in their name was falsely certified as the result of the crime of identity theft this link will open in a new window. Use this form to apply for a false certification discharge. This form may also be used by parent PLUS borrowers.
For individuals whose school signed loan documents on their behalf without their authorization or signed authorization for electronic funds transfer without their knowledge, and the loan money wasn?t given to the individual or applied to charges the individual owed to the school. This form allows you to request a false certification discharge this link will open in a new window. This form may also be used by parent PLUS borrowers.
Keep in mind, you cannot receive a false certification discharge if you received the loan funds or if the school applied the funds to school charges you owed.
For individuals who believe they were the victim of forgery and who have loans held by the U.S. Department of Education.
For borrowers who are seeking lower payments based on their income. This form allows you to apply for income-driven repayment plans this link will open in a new window. The online application is more efficient and allows you to estimate your loan payments before you apply.
For borrowers who want to combine multiple federal student loans into one loan.
This form is for borrowers who want to add one or more eligible federal education loans to their Direct Consolidation Loan.
This form allows Direct Loan borrowers to choose either a Standard, Graduated, or Extended Repayment Plan this link will open in a new window to repay your loans.
For borrowers and their spouses who wish to revoke their consent allowing the U.S. Department of Treasury to disclose federal tax information (FTI) to the U.S. Department of Education related to eligibility for, or repayment obligations under, income-driven repayment (IDR) plans.
For borrowers who received a student loan amount that is more than their annual or aggregate loan limit, you can use this form to confirm how you will repay the extra amount and regain eligibility for future student aid.
If you want to repay the entire excess amount immediately, contact us.
This form is for borrowers who want to separate a joint consolidation loan (JCL). For example, if you and your current or former spouse shared the loan but then wanted to separate the JCL.
Loan deferment or forbearance means you won't have to make a payment, but you usually will not be making progress toward forgiveness or paying back your loan. During deferment, interest accrues (adds up) on unsubsidized loans. During forbearance, interest accrues on both subsidized and unsubsidized loans. If you do not pay interest that accrues during deferment or forbearance, it may be capitalized (added to your principal balance), and the amount you pay in the future will be higher.
For borrowers who can't make payments due to financial hardship, illness, or other reasons.
For borrowers who can?t make payments due to financial hardship, including Peace Corps volunteers.
For borrowers who are enrolled at least half-time at an eligible school.
For borrowers whose total student loan debt is 20 percent or more of their total monthly gross income. Keep in mind that additional conditions apply.
For borrowers who are unemployed or can't find full-time employment.
For parent PLUS loan borrowers whose student is enrolled at least half-time.
For borrowers who qualify for Teacher Loan Forgiveness this link will open in a new window, you can use this form to request forbearance while working toward teacher loan forgiveness.
For borrowers who are cancer patients, you can use this form to request a deferment on your eligible loans and a forbearance on your ineligible loans for the duration of your cancer treatment and for six months afterward.
For borrowers who are in an eligible graduate fellowship program.
For borrowers who are attending a full-time rehabilitation training program.
For borrowers who do not qualify for a deferment for a medical or dental internship or residency, or for military service, you can use this form to apply for a Medical or Dental Internship/Residency Forbearance, a National Guard Duty forbearance, or a Department of Defense Student Loan Repayment forbearance.
For borrowers who are performing military service or have completed their active-duty service, you can use this form to request a deferment during certain periods of active duty, right after active duty, or while preparing to go back to school after active duty.
For borrowers serving in an AmeriCorps position for which they received a National Service Award, use the link below to learn more about how to request an AmeriCorps forbearance.
http://www.nationalservice.gov/ this link will open in a new window
The Servicemembers Civil Relief Act (SCRA) caps the interest rate on eligible loans at 6% for service members who qualify. MOHELA regularly checks with the U.S. Department of Defense's Defense Manpower Data Center (DMDC) and automatically apply the SCRA interest rate limit to qualified service members. You can use these forms if your military active-duty periods are different or if the benefit is not applied to your loans.
For borrowers who do not qualify for a deferment for a medical or dental internship or residency, or for military service, you can use this form to apply for a medical or dental internship or residency forbearance, a National Guard duty forbearance, or a Department of Defense Student Loan Repayment forbearance.
For borrowers who are temporarily unable to teach because their spouse has received military orders for a deployment with a military unit or change of permanent duty station, you can use this form to request a suspension of the 8-year period for completing your service obligation.
For borrowers who are temporarily unable to teach because of their qualifying military service, or who want to request a discharge of some or all of their service obligation based on extended military service, you can use this form to request a suspension of the 8-year period for completing your service obligation, or a military service discharge of some or all of your service obligation.
The Master Promissory Note (MPN) this link will open in a new window is a legal document you must complete promising to repay your loan(s) and any accrued interest and fees. The terms and conditions of your loan(s) are included in the form.
For undergraduate or graduate students.
For borrowers who are graduate students and parents of undergraduate students.
The Teacher Education Assistance for College and Higher Education (TEACH) Grant Program this link will open in a new window can provide funds to you if you are enrolled in a TEACH Grant-eligible program of study, at a school that participates in the TEACH Grant Program.
For borrowers who are eligible for TEACH Grant Program this link will open in a new window, you must complete this online form in order to receive a TEACH Grant.
This form explains the terms and conditions for receiving a TEACH Grant. By signing the agreement, you agree to these terms and conditions and acknowledge that if you don?t fulfill the service obligation, your TEACH Grant funds will be converted to a loan that you must repay.
For TEACH Grant recipients, you can use this form to provide us with documentation of each completed year of teaching.
For TEACH Grant recipients who are temporarily unable to teach because they are receiving further education or training, you can use this form to request a suspension of the eight-year period for completing your service obligation.
For TEACH Grant recipients who are temporarily unable to teach because of a condition that is a qualifying reason for leave under the FMLA, you can use this form to request a suspension of the eight -year period for completing your service obligation.
For TEACH Grant recipients who are temporarily unable to teach because they are residing in or are employed in a federally declared major disaster area, you can use this form to request a suspension of the eight -year period for completing your service obligation.
For borrowers who are temporarily unable to teach because of their qualifying military service, or who want to request a discharge of some or all of their service obligation based on extended military service, you can use this form to request a suspension of the eight -year period for completing your service obligation, or a military service discharge of some or all of your service obligation.
For individuals without Social Security numbers, you can use this form to verify your identity so you can create an account on StudentAid.gov.
For parents or guardians of minors, you can use this form to access records related to the minor. Additionally, this form can be used to give consent to a trusted third-party, like a family member, attorney, or other representative.
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.