How long does it take for MOHELA to respond to PSLF? MOHELA takes up to 14 days to acknowledge receipt of your PSLF form and at least 90 business days to process it. Factors like loan transfers and application volume can extend this period.
A final review of your account will be done to process forgiveness, which will take at least 90 business days.
When asked by the senators, MOHELA reported it had received 36,309 complaints in a year, of which almost 4,000 were still marked “unresolved” in its internal system. The latest PSLF report, dated June 2023, by the Office of Federal Student Aid shows the servicer has a backlog of almost 890,000 applications.
If we determine that you're not eligible for loan forgiveness at this time, you'll be notified and will be provided with the reason(s) we determined you were ineligible. You'll then be required to resume making payments on your loans.
Track Your PSLF form status and history
Once you've submitted a PSLF form, you can track its progress by logging in to StudentAid.gov using your account username and password and selecting “My Activity” in the dropdown menu under your name in the upper right-hand corner.
Among processed applications for Public Service Loan Forgiveness (PSLF), 2.3% have been accepted since November 2020. Among denied claims, 24.6% are denied due to incomplete paperwork. 14.4% of PSLF applications have yet to be processed.
You can now see your progress toward PSLF on the My Aid section of your Dashboard when you log in to StudentAid.gov using your StudentAid.gov account username and password combination (sometimes called an FSA ID). The display will show your loan details, payment history (for PSLF months), and employment certification.
MOHELA processes payments and documents sent over from your prior federal student loan servicer. Everything is generally processed within 30 business days.
As of July 1, 2024, the PSLF program has successfully transitioned from MOHELA and now is fully managed by ED on StudentAid.gov. For all inquiries surrounding your PSLF discharge and any associated refunds, visit StudentAid.gov this link will open in a new window .
Typically it takes at least 2 months to process PSLF Forms. During the busiest PSLF Waiver periods, estimates were between four and six months. If you're still within those time periods, continue waiting. You can always go to the My Activity page on studentaid.gov to check the status.
According to StudentAid.gov, PSLF processing times depend on: Whether you previously submitted employment documentation for review versus submitting documentation all at once when you apply for loan forgiveness. The number of qualifying employers you've had. If you have gaps in your employment or payment history.
If your PSLF form is approved for forgiveness, then you'll be notified that the entire remaining balance of your eligible Direct Loans will be forgiven, including all outstanding interest and principal.
If you work in certain public service jobs and have made 120 payments on your Direct Loans, you may be eligible to have your loans forgiven. If some or all of your payments were not made on a qualifying repayment plan for PSLF, you may be able to receive loan forgiveness under a temporary opportunity.
How long will it take for me to receive a refund after getting Public Service Loan Forgiveness (PSLF)? Payments are returned as they were received (e.g., electronic payment or check). They are typically processed in one to two weeks after discharge is complete.
From July 1, 2022, through April 30, 2024, MOHELA served as the interim PSLF servicer and processed the largest amount of forgiveness—nearly $55 billion for 737,000 individual borrowers—by an FSA contractor in the history of the program.
Please allow at least 90 business days for your form to be processed. Loans NOT serviced by MOHELA? Your demographic information will not be on file until the PSLF form is processed which is currently taking at least 90 business days. Once processed your loans will be transferred from your current servicer to MOHELA.
What does paid in full by consolidation mean? Paid in full by consolidation in student loan terms means that multiple loans have been combined into one larger loan — typically with improved repayment terms, such as more flexible repayment options, lower monthly payments, or greater loan forgiveness opportunities.
Any borrowers with loans that have accumulated eligible time in repayment of at least 20 or 25 years will see automatic forgiveness, even if they are not currently on an IDR plan.
Qualifying payment counts are reported to FSA weekly and displayed on the borrower's StudentAid.gov dashboard. Make sure to review the FAQs! Beginning July 1, 2022, all new PSLF form submissions go to MOHELA. Mail to: U.S. Department of Education, MOHELA, 633 Spirit Drive, Chesterfield, MO 63005-1243.
The entire process typically takes between four and six weeks from the date your application is received. Before completing a consolidation application, carefully consider the following information to determine whether loan consolidation is the best option for you.
We encourage you to contact us for any PSLF related questions by calling our PSLF Customer Service line at 855.265.4038 from 7AM-10PM CT on Monday, 7AM-7PM CT Tuesday - Friday, or Saturday 9AM-1PM CT. We apologize for any inconvenience.
Important: If your employer is a for-profit organization, a labor union, or a partisan political organization, it isn't an eligible PSLF employer regardless of the kinds of public services it might provide.
“Errors, even as minor as spelling mistakes, can cause rejections. For PSLF for example, borrowers must thoroughly fill out an Employer Certification Form (ECF) with all of their previous employers, their Federal Employer Identification Numbers, tax status, and other details.
PSLF has erased $74 billion worth of student loans for more than one million public servants as of Oct. 17, 2024, according to the Education Department, which boils down to an average of $74,000 in debt forgiveness per borrower.