Important Announcements

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.

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.

Important Updates

Income-Driven Repayment (IDR) processing

A federal court issued an injunction changed how ED can implement certain parts of IDR plans. Because of these changes, the U.S. Department of Education has instructed federal student loan servicers to deny IDR applications where "lowest monthly payment" was selected, more than one IDR plan was selected, or an IDR plan was not selected. Visit Studentaid.gov/loan-simulator to review your options and apply for an eligible repayment plan.

Saving On A Valuable Education (SAVE) Plan Administrative Forbearance

In July 2024, a federal court injunction blocked parts of the SAVE Plan. As a result, eligible federal student loans were placed in forbearance with a 0% interest rate. During this forbearance interest had not accrued; therefore, loan balances (including principal and interest) have not increased during this forbearance. You will not have to make payments until the SAVE forbearance ends. In February 2025, a second federal court injunction ended the SAVE 0% interest rate. To comply with this injunction, loan(s) in the SAVE Administrative Forbearance began accruing interest on August 1, 2025.

You can view your interest rate, outstanding interest amount, or make payment toward interest via your online account. For more information, view our FAQs!

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Important Announcements Contact Us

Tax Information

You may be eligible to deduct the interest you paid on your student loans from your income, which could reduce the amount you owe in income tax. Tax form 1098-E reports the amount of interest paid on student loans in a calendar year.

Tax information is available by January 31 each year. Log in and select 'More' then 'Tax Statements' from the navigation bar to view your tax information.

Frequently Asked Questions

I paid MORE than $600 of interest I paid LESS THAN $600 of interest

Are you signed up for eDelivery?

  • Yes. Your form will be emailed to you.

  • No, but you have a valid email address on your account. Your form will be emailed to you.

  • No, and you do not have a valid email on your account. Your form will be mailed to you via the U.S. Postal Service.

Do you have a valid email on file?

  • Yes. Your form will be emailed to you.

  • No. A form will not automatically be sent to you. To receive a copy, go to your online account to sign up for eDelivery or provide your valid email address prior to December 31. You can also contact us for a copy.

MOHELA sends borrowers Form 1098-E by January 31, reporting the prior year of student loan interest paid.

We provide the amount of interest you paid on your student loan(s) during the prior year because you may be able to deduct some or all of your interest paid from your income on your tax return. Deducting your paid interest could reduce the amount you owe in federal income tax.

Each of your federal loan servicers will provide you with a Form 1098-E if you paid interest of $600 or more to that individual servicer in a calendar year. Your servicer may send your Form 1098-E to you electronically or via U.S. Postal Service.

If you paid less than $600 in interest to any of your federal loan servicers, you may contact each servicer to find out the exact amount of interest you paid during the year.

You may be eligible to deduct the interest you paid on your student loans from your income, which could reduce the amount you owe in income tax. For more information about this deduction, contact a tax advisor or the Internal Revenue Service at 1-800-829-1040 (Toll Free). You can learn more by visiting IRS.gov/newsroom/tax-benefits-for-education-information-center  this link will open in a new window or reading IRS Publication 970, Tax Benefits for Education.

Please contact the Internal Revenue Service at 1-800-829-1040 (Toll Free) or a tax advisor with questions. You can learn more by visiting IRS.gov/newsroom/tax-benefits-for-education-information-center  this link will open in a new window or reading IRS Publication 970, Tax Benefits for Education.

The federal tax identification number for the U.S. Department of Education is 52-1198289. Please consult the Internal Revenue Service at 1-800-829-1040 (Toll Free) or a tax advisor regarding how to use this information.

No, a physical copy of IRS Form 1098-E is not required to file your taxes. You only need the amount of interest paid and the tax identification number (EIN) to file your taxes. The actual IRS Form 1098-E is not required.

Log in to your MOHELA account. After logging in, select "More" from the menu, and then "Tax Statements". The tax statement can be downloaded from your account so you can print a copy.

To request a transcript of your tax return from the IRS, you may complete Form 4506, Request for Copy of Tax Return. Visit irs.gov/forms-instructions for more information. Please note that if you are applying for or recertifying an Income-Driven Repayment (IDR) plan, you may complete an application online through StudentAid.gov and electronically transfer your federal tax return information to your application.

For borrowers who transferred from our Legacy system to our new system, you may be able to obtain prior tax information by logging into mohela.com using your log in information for mohela.com. If you need help logging in, please follow the prompts to reset your password.

For information about tax benefits for education including tax credits for higher education expenses, visit IRS.gov/newsroom/tax-benefits-for-education-information-center  this link will open in a new window and read IRS Publication 970, Tax Benefits for Education.