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.

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Borrower Defense Loan Discharge

You may be eligible for borrower defense discharge of your federal student loan if

  • you took out the loan to attend a school that misled you or engaged in other misconduct in violation of certain laws, and

  • you have a Direct Loan. *

* Federal Family Education Loan (FFEL) Program loans and Federal Perkins Loans may become eligible for borrower defense discharge if you consolidate your loans into the Direct Loan Program.

Learn More Before You Apply

If you think you may be eligible, learn more about borrower defense loan discharge before you apply at StudentAid.gov/manage-loans/forgiveness-cancellation/borrower-defense. For additional information about applying and managing your borrower defense application, visit StudentAid.gov/borrower-defense/.