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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Repayment

We have options to help you where you are.

MOHELA offers you a variety of options to manage the repayment of your loans including repayment plans and ways to lower or postpone your payments. We understand that some borrowers want to pay off their loan as quickly as possible, and we encourage those borrowers to make extra payments. (It’s easy through your online account!) Those same borrowers could encounter a time when they become unemployed or ill and they need to lower or temporarily postpone their payments.

As your dedicated resource expert we will ensure you have an accurate understanding of your account so you can successfully repay your loans.

Repayment Options

Repayment Options

A variety of repayment plans are available to meet your needs, including plans based on your income and family size.

Income-Driven Repayment Plans

Income-Driven Repayment Plans

Income-driven repayment plans may offer lower payments because they are based on your income and family size. Payments can be as low as $0 per month, depending on your circumstances.

Repayment Options to lower or Postpone Payments

Repayment Options to Lower or Postpone Payments

If you need a lower monthly payment or need to temporarily postpone your payments, learn more about options that might work for you.