MOHELA Is a Servicer to Federal Student Aid
You have a network of support to help you succeed with your federal student loan repayment. Find out how Federal Student Aid partners with loan servicers to be here when you need help.
Support You Can Trust
You can visit StudentAid.gov to see a list of our trusted federal student loan servicers, or submit a complaint directly to the FSA Ombudsman.
Register to access your loan details, account information, make your payment, learn about different repayment plans, sign up for paperless delivery and more.
If your income or family size has changed, you can request your IDR plan payment be recalculated to potentially reduce your monthly payment or you can switch IDR plans at any time. This includes the SAVE (formerly the REPAYE program), PAYE, IBR, and ICR plans.
The SAVE plan provides the lowest monthly payments of any IDR plan available to nearly all student borrowers.
Visit our Repayment Plan Evaluator to recalculate or switch your IDR plan.
New to MOHELA or in Repayment, we offer several online tools to manage your account.
There are options to lowering your payment.
Log in to upload your documents. It's fast and easy.
Learn More if you are new to MOHELA
Find information about requirements for Public Service Loan Forgiveness (PSLF)
Find Answers
Manage your account on-the-go with the MOHELA App. You are just a click away from easy access.
See important account correspondence online sooner
Log in to use the Repayment Plan Evaluator to compare repayment plans and choose the one that best fits your needs.
You may qualify for a $0.00 monthly payment.
Explore information and ways to help your student successfully manage their student loan.
Repayment Options
Deferment & Forbearance
Forgiveness & Discharge
Pick a Student Loan Repayment Option external link
How to Repay Your Loans external link
Loan Modification
CASHLoan Info Center
Beginning May 1, 2024, The U.S. Department of Education (ED) will transition servicing of the Public Service Loan Forgiveness (PSLF) Program and the Teacher Education Assistance for College and Higher Education (TEACH) Grant Program from MOHELA to ED via StudentAid.gov. This means that if you are already working toward PSLF, are interested in PSLF, or are a TEACH Grant recipient, you will work directly with ED. Your federal student loans will remain with a loan servicer.
To allow for the transition of PSLF and TEACH program servicing to StudentAid.gov, the processing of all PSLF and TEACH grant documentation will be temporarily paused beginning May 1, 2024. For document processing related to PSLF, this pause is expected to last through July 2024. The pause on processing of TEACH Grant documentation is expected to last through September 2024.
Beginning May 1st, 2024, MOHELA will no longer have any specific PSLF or TEACH Grant data related to your account or loans, including PSLF qualifying payment counters, PSLF employment information, or information related to the status of your TEACH Grant application. If you want to save screenshots and correspondence for your personal records, we recommend doing this by April 30, 2024.
All pending requests and applications will be processed by the U.S. Department of Education once the transition is complete and the processing pause ends.
After the pause ends, you will be able to log in to your StudentAid.gov account to find information about all your eligible and qualifying payments for PSLF. For more information, please visit StudentAid.gov/streamlining.
You may have additional 2023 interest paid:
Log in to your mohela.com account to access the amount of interest paid on your student loans in 2023 while serviced on MOHEL's legacy platform via mohela.com.
If you've received notice that your account has transitioned to MOHELA's new loan servicing platform, log in to mohela.studentaid.gov to access the amount of interest paid on your student loans in 2023 after the transition of your account.
It is important to note you may have interest payment information located on both platforms depending on the timing of the transition of your student loan account.
If you have questions about how your student loan interest paid amount may affect your taxes, please contact your tax advisor. For more information on your student loan tax information, visit our Tax FAQ.
We're making enhancements! MOHELA is part of Federal Student Aid's (FSA's) long-term servicing solution that will eventually allow you to fully manage your federal student loans on StudentAid.gov. Transitioning to StudentAid.gov will ensure borrowers can continue to successfully manage repayment of their federal student loans in a secure, long-term servicing environment.
MOHELA is currently transitioning to our new StudentAid.gov platform. We will continue to be your student loan servicer and will remain in contact with you regarding updates to your account regarding this transition. You may notice a new look and feel to our website after the transition of your account is complete, as well as changes to our communications. Visit mohela.com/system-transition for more information. To learn more about USDS and how FSA is changing your student loan web experience, visit StudentAid.gov/streamlining.
Due to the unprecedented event of millions of student loan borrowers returning to repayment at the same time, you may experience longer than normal wait times to speak to a Customer Service Representative. Self-service is available 24/7 by logging in to mohela.com or StudentAid.gov. There you can explore your repayment plan options which may help to lower your monthly payment amount. We appreciate your patience.
The SAVE plan provides the lowest monthly payment of any income-driven repayment plan available to nearly all student borrowers. If you were previously participating in the Revised Pay as You Earn (REPAYE) plan, you will automatically be enrolled in the SAVE Plan and your payment recalculated before payments resume, no action is required. If you want to enroll in the SAVE plan and calculate what your estimated monthly payment may be, use Loan Simulator.
Note: If you are on the REPAYE alternative plan, you will need to apply for the SAVE plan.
Update: If you received an email from Federal Student Aid regarding income-driven repayment forgiveness, please know that we are working to process your forgiveness as soon as possible. Once the forgiveness has been applied, you will be notified. Our customer service representatives do not have any further information about this forgiveness to provide at this time.
Based on the newly eligible months from the one-time account adjustment, borrowers who have reached 240 or 300 months' (as applicable) worth of payments for IDR forgiveness or 120 months of PSLF will begin to see their loans forgiven in spring 2023. The Department will continue to discharge loans as borrowers reach the months needed for forgiveness. All other borrowers will see their accounts update in 2024.
For more information, please visit StudentAid.gov/IDRAdjustment.
If you are struggling with your student loans, please fill out this form to get help from the State of Massachusetts Ombudsman's Student Loan Assistance Unit.