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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Public Service Loan Forgiveness

The PSLF Program allows you to receive forgiveness of the remaining balance of your Direct Loans after you have made the equivalent of 120 qualifying monthly payments under an accepted repayment plan while working full-time for an eligible employer. If you are participating in the PSLF Program, you can use the following links to log in to your account at StudentAid.gov to

Please note: The PSLF program is managed by the U.S. Department of Education (ED), not MOHELA. Additionally, ED determines the eligibility of employment and payments towards PSLF. Visit StudentAid.gov/publicservice this link will open in a new window to learn more about how to apply for PSLF or to use the PSLF Help Tool at StudentAid.gov/pslf this link will open in a new window to complete your PSLF form online.

Waiting for forgiveness? Even after you reach 120 qualifying payments, MOHELA can only discharge your loans once we receive a file from ED.

Please note: Refunds are issued directly from the Department of Treasury.

PSLF Buyback: 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 buyback 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 this link will open in a new window .