Are Mohela Loans Being Forgiven

Fill out this form to contact the Student Loan Assistance Unit of the Ombudsman if you need assistance with your student loans.

Income-driven repayment forgiveness

IDR plans can lower your monthly student loan payments by capping your payment at 10% to 20% of your discretionary income. But they can also make you eligible for MOHELA loan forgiveness after 20 to 25 years of qualifying payments.

Don’t Have an Account?

Register to make payments, access account information, learn about different repayment options, enroll in paperless delivery, and more.

Important Features and Options

If you are enrolled in auto debit, take action right away to ensure that your auto debit payments resume once the COVID-19 payment pause is over. Failure to take action could result in the loss of Auto Debit benefits. Visit Auto Debit Confirmation for information.

Need a Lower Payment?

There are options to lowering your payment.

Log in to upload your documents. Its fast and easy.

Public Service Loan Forgiveness

Manage your account on-the-go with the MOHELA App. You are just a click away from easy access.

Apply for Auto Debit

  • You may qualify for a .25% interest rate reduction
  • Ensure on-time payments
  • Free to apply
  • See important account correspondence online sooner

    To compare repayment plans and select the one that best suits your needs, sign up to use the Repayment Plan Evaluator.

    You may qualify for a $0.00 monthly payment.

    Find out how you can assist your student in successfully managing their student loan by doing some research.

    We provide several online tools to manage your account, whether you’re new to MOHELA or in Repayment.

    Income Driven Repayment (IDR)

    Self-Certification Through June 30, 2023

    No documentation of income required to apply, recalculate, or recertify.

    Welcome TEACH Grant Recipients

    If you are struggling with your student loans, please fill out this form to get help from the Ombudsman’s Student Loan Assistance Unit.

    State of Massachusetts- Ombudsman’s Student Loan Assistance Unit (888) 830-6277


    Will my MOHELA student loan be forgiven?

    You might be eligible for loan forgiveness if you have made 120 payments on your Direct Loans and work in certain public service positions. If some or all of your payments on a repayment plan that qualifies for PSLF were missed, you might be eligible for loan forgiveness through a limited window of opportunity.

    Is MOHELA federal student loan?

    Federally-Owned Loans Serviced by MOHELA With more than 40 years of experience in the student loan servicing sector, we have the knowledge to help you manage your loans. We can assist with any account inquiries, process payments, and help you learn about your benefits and repayment options.

    Will I be notified if my student loans are forgiven?

    If your PSLF application is accepted, you will be informed that your eligible Direct Loans’ entire outstanding balance—including all accrued interest and principal—will be forgiven.

    Are MOHELA student loan payments suspended?

    Your Direct Loans were automatically given an administrative forbearance (payment pause) from March 13, 2020, through December 31, 2021. 31, 2022, unless you opted out. Monthly billing statements stopped on April 2, 2020.