You can check the status of your form(s) when you log in to StudentAid.gov. Don't forget to submit the PSLF form with your employment certification every year.
A final review of your account will be done to process forgiveness, which will take at least 90 business days.
If you faxed or mailed your PSLF form to MOHELA it may take up to 14 days for your mohela.com account to note that the form was received. Please allow at least 90 business days for your form to be processed.
A forgiven loan will have a zero balance and a status of ``paid-in-full'' under My Aid on the FSA site. Call MOHELA, tell them FSA shows over 120, and request administrative forbearance while the forgiveness is processing.
Online: 2-4 business days from the payment processing date to post. However, the payment will be effective the date your payment was scheduled. Phone: 2-4 business days from the payment processing date to post. However, the payment will be effective the date your payment was scheduled.
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.
Log in to StudentAid.gov using your account username and password. Find “My Activity” in the dropdown menu under your name in the upper right-hand corner. Select the relevant PSLF form. Confirm that you and your employer have successfully signed your PSLF form within the Status Tracker.
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.
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.
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.
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.
There will be a pause in processing for all PSLF forms while we transition the program to ED. Beginning on May 1, 2024, you are no longer able to access your PSLF progress, certified employment, or payment counts on MOHELA's borrower portal.
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.
Your student loan servicer(s) will notify you directly after your forgiveness is processed. Make sure to keep your contact information up to date on StudentAid.gov and with your servicer(s). If you haven't yet qualified for forgiveness, you'll be able to see your exact payment counts in the future.
What will happen if my Public Service Loan Forgiveness (PSLF) application is approved? If you are approved for Public Service Loan Forgiveness, you'll be notified that the entire remaining balance of your eligible Direct Loans, including all outstanding interest and principal, will be forgiven.
MOHELA processes payments and documents sent over from your prior federal student loan servicer. Everything is generally processed within 30 business days. Payments will be made effective as of the date your prior servicer received the payment.
Note: If you receive new Direct Subsidized Loans or Direct Unsubsidized Loans when you return to school, you won't be able to make qualifying PSLF payments on those loans while you are in school.
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 .
The PSLF Program forgives the remaining balance on your Direct Loans after you've made 120 qualifying monthly payments under a qualifying repayment plan while working full time for a qualifying employer.
However, if you're seeking a refund from MOHELA, you can expect the first check to arrive within 90 business days, and the rest within 60 days. Also note that you'll likely receive multiple refund checks rather than a single refund.
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.
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.
Typically, months in forbearance and deferment do not count towards PSLF. However, months during the COVID-19 payment pause (March 2020-September 2023), months that qualify under the IDR Adjustment, and months where loans are being placed on administrative forbearance after the repayment restart will count toward PSLF.