Important Announcements

Starting on July 1, 2026, the interest rate reduction for borrowers enrolled in auto pay will go from 0.25% to 1%. This reduction is available to borrowers with Direct Loans disbursed on or after July 1st, 2012. Visit StudentAid.gov to learn more and enroll by 11:59 p.m. ET on Sept. 30, 2026, to receive the temporary benefit through June 30, 2028.

On March 10, 2026, a court order ended the Saving on a Valuable Education (SAVE) Plan. The U.S. Department of Education will contact impacted borrowers, who can explore and apply for other repayment plans. 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 Update

Repayment Plan Changes Starting July 1, 2026

The newest repayment plans—the Repayment Assistance Plan (RAP) and Tiered Standard Plan—are available effective July 1, 2026. Visit StudentAid.gov/bigupdates to learn more about these new repayment plans and other changes to the federal student aid programs. To apply, visit Studentaid.gov/repayment-calculator.

SAVE Plan is Ending

Borrowers who enrolled in or applied for the Saving on a Valuable Education (SAVE) Plan and have loans in forbearance must select a new repayment plan after receiving a notice from MOHELA. No need to call! For a quick and easy path to change plans or explore your options, log in to your Studentaid.gov account, and use the Repayment Calculator. For more information, visit our FAQ page.

Agents can't process IDR plans

If you are calling MOHELA to request an income-driven repayment plan including the new RAP plan, please know that our phone agents cannot sign you up for those plans. Visit Studentaid.gov/IDR to apply today.

If you've recently submitted an application on Studentaid.gov, it may take up to a few days for MOHELA to receive your application. You will be notified once your application is processed. Thank you for your patience.

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Important Announcements Contact Us

Repayment

Repayment doesn't have to be overwhelming. Explore your options, learn how to manage your monthly payments, and stay in control of your student loans.

There are a variety of options to help manage the repayment of your loans. You can choose from multiple repayment plans, lower or postpone payments if needed, or make extra payments anytime through your online account. As your dedicated resource, we're here to help you understand your account and successfully repay your loans, no matter where you are in your journey.

Repayment Plan Options

Repayment Plan Options

A variety of repayment plans are available to meet your needs.

Income-Driven Repayment Plans

Income-Driven Repayment (IDR) Plans

IDR plans may offer lower payments because they are based on your income and family size.

Options to Postpone Payments

Options to Postpone Payments

If you are experiencing short-term difficulty in making your student loan payment, you may be eligible for deferment or forbearance. If you need to temporarily postpone your payments, learn more about options that might work for you.