Important Features and Options
Update Your Income Driven Repayment (IDR) Plan
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.
Account Management Tools
New to MOHELA or in Repayment, we offer several online tools to manage your account.
Need a Lower Payment?
There are options to lowering your payment.
Upload Documents
Log in to upload your documents. It's fast and easy.
New to MOHELA
Learn More if you are new to MOHELA
Public Service Loan Forgiveness
Find information about requirements for Public Service Loan Forgiveness (PSLF)
FAQ's
Find Answers
Check out our MOHELA App
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
Go Paperless
See important account correspondence online sooner
Learn More about Paperless
Trouble making payments?
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.
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Welcome TEACH Grant Recipients
Family Education Loan Program (FFELP)
