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, 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
A federal court issued an injunction preventing the U.S. Department of Education from implementing parts of the Saving on a Valuable Education (SAVE) Plan and other IDR plans, including - for example - SAVE's monthly payment formula and loan forgiveness under SAVE, PAYE, and ICR plans. Please check StudentAid.gov/saveaction for more information.
Borrowers can now apply for income-driven repayment (IDR) plans electronically rather than needing to upload an application to our website. Please visit StudentAid.gov/IDR to submit your application. If you already submitted an application through our portal you do not need to apply again.
Your online account awaits. Head over to servicing.mohela.com to view and manage your Navient loans today!
Your online account awaits. Head over to mohela.studentaid.gov to view and manage your Federal Student loans today!
The U.S. Department of Education (ED) has announced that the customer service and processing work associated with the Public Service Loan Forgiveness (PSLF) and Teacher Education Assistance for College and Higher Education (TEACH) Grant programs was shifting to ED via StudentAid.gov.
As of July 1, 2024, the PSLF program has successfully transitioned from MOHELA and now is fully managed by ED on StudentAid.gov. ED has resumed processing PSLF forms and is currently working to update PSLF payment counts.
On May 1, 2024, MOHELA started transitioning the TEACH Grant Program to ED. During the transition period, there will be a TEACH processing pause. This transition will last into fall 2024. TEACH Grant Program recipients have two choices regarding form submission during this time. You can do either of the following:
Submit a form now by mail* for the current or upcoming school year. Processing of that form will be held until the fall, when the transition to StudentAid.gov is complete; or
Wait until fall 2024 to submit your form on StudentAid.gov.
* Send TEACH forms to TEACH Grant Program, P.O. Box 300010, Greenville, TX 75403. Forms may also be uploaded at StudentAid.gov/status-center/upload-tool.
NOTE: If you choose to submit forms during the pause, do not submit them again in the fall. Doing so could cause delays with your submission.
StudentAid.gov/streamlining will be updated as new information becomes available so check back often.
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.
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.