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.

Thanksgiving

In observance of Thanksgiving, we will be closed for business on Thursday, November 27. Our offices will reopen during normal business hours on Friday, November 28.

Due to the federal holidays, 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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Making Payments

After you graduate college or drop below half-time enrollment and following any applicable grace period, you are responsible for making your regular monthly payments.

Payment Methods

Payment Methods

MOHELA offers a variety of ways to make payments.

How Payments are Applied

How Payments Are Applied

Learn how payments are applied and how to submit special payment instructions.

Loan Payoff

Loan Payoff

When you’re ready to pay off one or more of your student loans, learn how to calculate your payoff amount.

Credit Reporting

What Happens If I Don't Make a Payment

Learn what happens if you don't make your payment or your payment is late.

Credit Reporting

How Federal Student Loan Payment Processing Works

Find out where your mailed payment goes and how it's processed.