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. As a result, the IDR and online loan consolidation applications are temporarily unavailable on StudentAid.gov. Borrowers can still submit a paper loan consolidation application.
IDR eSign and forms are not available for submission.
Pending IDR applications cannot be processed.
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.
Recertification of IDR plans will not be required until at least February 2026.
SAVE plan recertification dates were already extended.
Income Based Repayment (IBR), Pay As You Earn (PAYE), and Income Contingent Repayment (ICR) plans are in the process of being extended. Please allow a few weeks for this extension to occur. We will notify borrowers when this is complete.
You can choose to exit your IDR plan and move into a fixed payment repayment plan. Moving between IDR plans is not currently available. Please visit StudentAid.gov/loan-simulator to review your 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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MOHELA offers many tools to assist you in managing your account on the go, or online. Log in to begin managing your account.
Pay online
Calculate pay-off amount
Enroll in or manage Auto Pay
View payment history
Update contact information
Edit username, password, and security questions
Update Paperless eDelivery email permissions
Loan details
Tax information
View received and sent secure messages
Upload a document or form
Help me select a repayment plan that's right for me
Loan consolidation information
Deferment and Forbearance
Loan Forgiveness and Discharge Programs
Disaster Assistance
Borrower Protection
Military Benefits
Financial Literacy Resources
Federal Student Aid Website
Glossary of Federal Student Aid Terms
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
MOHELA sympathizes with those impacted by the recent natural disasters. If you reside in a designated disaster area declared by FEMA, you may be able to temporarily postpone your student loan monthly payment. Contact us today to determine if you qualify.
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
Looking for a paper copy of your 1098-E for your records? Log in to your online account and select ‘More…' followed by ‘Tax Statements' to view and print your student loan interest statement.
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.