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Fast MOHELA Forgiveness That Works Now

Dan Hubbard

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mohela student loan

MOHELA Student Loan: What You Need to Know About Your Student Loan Servicer

Managing student loans can be confusing. If you have federal student loans, you may have heard of MOHELA student loan. They are one of the companies that handle student loans for the U.S. Department of Education.

MOHELA helps borrowers with repayment, deferment, student loan forgiveness, and more. Let’s break down what they do, how they can help you, the challenges of working with them, and the other options you have.

What Services Does MOHELA Provide for Student Loans?

MOHELA is a loan servicer, meaning they manage student loans on behalf of the government. Their job is to help borrowers make payments and understand their options. Here’s what they offer:

  • Billing and Payments: They send statements and accept payments.
  • Repayment Plans: They process requests for repayment options, including Income-Driven plans.
  • Deferment and Forbearance: They help borrowers pause payments if they qualify.

In 2022, MOHELA took over processing applications for the Public Service Loan Forgiveness program. Two years later, in May 2024, Federal Student Aid transitioned the PSLF program away from MOHELA after the backlog of pending applications ballooned from 250k to over 1 million. They no longer services the Public Service Loan Forgiveness program, and interested borrowers should speak to Federal Student Aid directly for more information.

MOHELA Student Loan by the Numbers

MOHELA services millions of borrowers and manages a large amount of student debt:

  • Borrowers: Over 7.5 million.
  • Total Loan Balance Managed: More than $150 billion.

Although these numbers highlight MOHELA’s relevance in the student loan industry, customer satisfaction is consistently dropping.

At the time of writing this article, MOHELA has a B- rating with the Better Business Bureau and has been rated 1.06 out of 5 stars by student loan borrowers. The BBB has also received more than 3,530 complaints about the servicer in the last three years.

Pros and Cons of Working with MOHELA Student Loan

Pros:

  • Multiple repayment plans to fit different financial situations.
  • Deferment and forbearance options for those who need to pause their payments.
  • Online tools for account management, such as document uploading and the listing of loan details.

Cons:

  • Long customer service wait times, especially during peak periods. According to Federal Student Aid stats, their hold time and rate of dropped calls is nearly double that of the next highest servicer.
  • Document processing delays, causing missed deadlines and incorrect payments.
  • No direct refinancing options are available. Loans must be consolidated through Federal Student Aid or a private lender.
  • Vague and confusing policies can be overwhelming for borrowers who want simple answers.
  • Multiple lawsuits and consumer complaints. Early last year, the Student Borrower Protection Center issued a report detailing its investigation into MOHELA’s failure to manage borrowers’ return to repayment after the COVID-19 pandemic.

Understanding these pros and cons can help borrowers make informed decisions.

How to Contact MOHELA Student Loan

Here’s how you can contact MOHELA:

  • Website: mohela.studentaid.gov
  • Phone: 1-888-866-4352
  • Email: MOHELA does not provide a customer service email, but messaging is available through their online portal.

Do You Have to Stay With MOHELA for your Student Loans?

The Department of Education doesn’t allow students to choose their servicer upon entering repayment. But if you’re having second thoughts, but you may have a few options:

  1. Loan consolidation: Consolidating your loans allows you to select which servicer takes over, but borrowers who have already consolidated won’t have this option available.
  2. Loan refinancing: You may be able to save money on interest by refinancing with a private lender, but you will lose out on many benefits the DoE offers, such as IDR plans and loan forgiveness.
  3. Ask for help: Submitting a complaint to the Student Loan Ombudsman or the Consumer Financial Protection Bureau could result in them finding a faster resolution to your issue. If that doesn’t do the trick, hiring a third party like Docupop can help you manage the complexities of loan repayment without the hassle of dealing exclusively with your servicer.

Another Option: Docupop’s Student Loan Support

While MOHELA is a loan servicer, borrowers also have other options for managing their student debt. Docupop provides expert guidance and coaching to help borrowers explore student loan consolidation. Our team of experienced coaches works with you to analyze your current loans, review consolidation options, and create a plan tailored to your financial situation. Our goal is to simplify the process, find you the best plan, and improve your overall financial health. If you’re unsure about your best path forward, Docupop can help you take control of your student loans with expert support. With no long hold times and white glove service, our team will hold your hand the whole way.

Final Thoughts on Mohela Student Loans

MOHELA student loan plays a key role in helping borrowers manage their student loans, however the complaints are very concerning.

If you want someone to coach you, do the heavy lifting, and walk you through everything so you’re not alone, call Docupop.

Most importantly, if you have loans with MOHELA, stay informed about your options. Explore repayment plans, refinancing, and consolidation to find the best path for you!

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Need Expert Student Loan Guidance?

At Docupop, we specialize in helping borrowers navigate the complexities of student loan repayment—so you don’t have to do it alone. Contact us today to get personalized support and ensure you’re on the right path to managing your student debt.

Don’t wait—take control of your student loans now!

Get Started Today

Comments

27 responses to “Fast MOHELA Forgiveness That Works Now”

  1. Holly Guinta Avatar
    Holly Guinta

    I have a complaint, since MOHELA did a new platform, my Creditwise report still is showing my student loan twice. I was told that it would be removed and placed a dispute with TransUnion and was sent a letter from TransUnion that it only shows once. I’m not sure if I trust that as credit wise shows me to be still higher than what it should be.

    Reply
    1. Dan Hubbard Avatar
      Dan Hubbard

      Hello, Holly! MOHELA’s transition to a new platform caused many borrowers’ credit reports to display duplicate student loan accounts. Official guidance states that borrowers simply need to wait and that the credit discrepancy will correct itself in time. We typically see a correction to the report within 90 days of the original misreport, but some borrowers have reported that submitting a complaint to the CFPB helped speed things up. If you’d like an expert to review your loan portfolio and confirm which loans are active and should be reflected on your report, give our team a call!

      Reply
  2. Mitchell Johnson Avatar
    Mitchell Johnson

    I have a student loan with mohela, do I have to apply for student loans forgiveness or income driven repayment, and when I start paying back my student loan, because interest keep been adding on to my account.

    Reply
    1. Dan Hubbard Avatar
      Dan Hubbard

      Hello, Mitchell! Borrowers can apply for an Income-Driven plan online and start working towards loan forgiveness, but recent industry updates have added an extra layer of confusion. Ongoing lawsuits have thrown a wrench in what plans are available, and even some official guidance online is inaccurate at this time. Our agents cut through the rumors and give real advice for your real life. For specific information regarding your unique situation, give our experts a call today!

      Reply
  3. Torrencia La'Shaye McDaniel Avatar
    Torrencia La’Shaye McDaniel

    Hi my name is Torrencia Mcdaniel and I was wondering if you still do loan forgiveness. If so how do I apply for it.

    Reply
    1. Dan Hubbard Avatar
      Dan Hubbard

      Hi, Torrencia! Docupop is happy to offer assistance with federal loan forgiveness (it’s one of our specialties!). To work towards loan forgiveness, you’ll first need to enter an Income-Driven plan. You can apply online through FSA, but recent industry updates have added an extra layer of confusion for borrowers and there’s lots of misinformation out there. Our experts will review your unique situation to determine which plan is the best long-term solution for you. Call in today to get started!

      Reply
  4. Joseph McCarthy Avatar
    Joseph McCarthy

    They have been good to me. They told me my PSLF application would take 3 months to process and it was. They didn’t over promise. Everything went as they told me. Be patient.

    Reply
  5. Theresa May Avatar
    Theresa May

    I have been paying for years, people I work with have had loans forgiven but not me also my employer paid 5000 dollars to my loans but it didn’t show. I would like to know why.

    Reply
    1. Dan Hubbard Avatar
      Dan Hubbard

      Hi Theresa! It can be frustrating to see people around you have their loans forgiven while you continue chipping away through the years. Depending on your type of employment, you may qualify for a selection of forgiveness programs and are simply missing a few steps. Docupop experts analyze your eligibility for low payment plans that earn you forgiveness and hold your hand through the process. We’ll also take a look at that $5k payment from your employer while we’re at it. Call in today for more info!

      Reply
  6. Ruthie K Wampler Avatar
    Ruthie K Wampler

    I have significant amount of student loans. I’d like to see into forgiveness due to failing health. I’m not sure how much longer I’ll be able to work with serious cardiac issues. What suggestions do you recommend? I perfectly understand loans need repayment, however, I need to be able to afford payments. I’m single mother. Thank you.

    Reply
    1. Dan Hubbard Avatar
      Dan Hubbard

      Hi Ruthie! Student loan forgiveness comes in many forms, whether you pursue forgiveness over the course of 20-25 years via an Income-Driven plan, enroll in a specialized program that can reduce that time length, or apply for a specific discharge program. Some borrowers who are totally and permanently disabled may be eligible for a Total and Permanent Disability Discharge. Most importantly, know that you do have options. To discuss these in detail and how they might apply to your situation, give our team a call today!

      Reply
  7. Melissa Avatar
    Melissa

    I hate how l was supposed to have loan forgiveness and they kept perking me around l get know where with them and wish l. Could hire a lawyer

    Reply
    1. Dan Hubbard Avatar
      Dan Hubbard

      Hi Melissa! We agree that student loans can be difficult to understand, and servicers can be tough to deal with. There is a lot of information out there, and it’s frustrating when you feel like you may be getting the run around when it comes to your loans. Loan forgiveness is one of our specialties, so please give our team a call if you want specific information about the forgiveness programs that you may qualify for!

      Reply
  8. Sabrina Behbahani Rothberg Avatar
    Sabrina Behbahani Rothberg

    I submitted my renewal IDR Jan 10 and it still has not approved and my payments increased 5 fold. Also when they switched their platform, I was making payments even though I wasn’t expected to and nothing was due. But when they switched the auto pay was disabled and even though nothing was due they took 2 months of payments away from PSLF because they said I was in forbearance or defer, which I never was and never received any notification. I have sent multiple messages about my account and have received zero communication about my issues.

    Reply
    1. Dan Hubbard Avatar
      Dan Hubbard

      Hi Sabrina! Unfortunately, your situation sounds similar to the headache that millions of Americans are experiencing right now. Due to the ongoing lawsuit regarding the SAVE Income-Driven plan, millions of applications have been put on hold with no end in sight, and borrowers who have attempted to recertify have missed the deadline and are now being charged a very large Standard payment. There are similar issues with certain periods of forbearance not counting towards forgiveness when they should, as you said. Sadly, we run into issues trying to get ahold of the servicers as well, but, fortunately, we do have a wealth of knowledge that bypasses the need to communicate with servicers as often. The Department of Education recently released updated information about this fiasco, and we’d be happy to discuss it in detail over a phone call with one of our specialists. Hope to speak with you soon!

      Reply
  9. Eileen Faye Avatar
    Eileen Faye

    Buyback documents have been escalated for two months. Every time I call that is what they tell me. I got only 1/2 loans forgiven the other are waiting for buyback info. How long does it take?

    Reply
    1. Dan Hubbard Avatar
      Dan Hubbard

      Hi Eileen! Federal Student Aid anticipates receiving a lot of buyback requests, and at this time, we estimate that FSA will require at least 90 to 120 days to send an update on your PSLF Buyback request. From there, you will have 90 days to satisfy the payment amount in your agreement, and your forgiveness should be processed a few weeks after that! Congrats on being so close to financial freedom!

      Reply
  10. Teresa Williams Avatar
    Teresa Williams

    During COVID my student loan was automatically put into forbearance. When we had to resume payments my monthly payment increased over $200. I was cautious about applying for the Income Driven SAVE. Now the this administration is dismantling the Department of Education, how can we know if we can get assistance? The SBA is not staffed nor set up to handle student loan payments. What can we do?

    Reply
    1. Dan Hubbard Avatar
      Dan Hubbard

      Hi Teresa! We receive many questions about what the student loan industry will be like if the Department of Education closes. We agree that resources, including the staff that processes IDR applications and screens customer service questions, may be spread very thin. There are a lot of unknowns, including where to submit payments, whether servicers will still be around, who will process loan forgiveness, and more. Regardless of what happens or where your loans go, Docupop sticks around for the ride, monitors your loans, and advises you on what makes the most sense for your unique situation. Give us a call for more info!

      Reply
  11. Heather Cox Avatar
    Heather Cox

    My student loans started out like 4k borrowed. I was enrolled under false pretenses and I withdrew rather quickly, Mary was the last that sold me dreams and when I thought something wasn’t right I withdrew, I spoke to Mary who informed me at the time that my loan money would be sent back to the lenders and I would owe nothing. About a year and a half later a knock at my door open the door to find a lady their that informed me that I wag delinquent on my loans, she offered me a forbearance Intel I could figure out what was going on. I accepted they showed up faithfully every year for like 10 years almost. Then bamm wake up call looked at my account finally and it was unbelievable how much interest that accumulated on my a account, I was in a state of shock they never told me or anybody else for that matter that the forbearance was rapidly growing interest.. I really felt some type a way they have managed to screw me Over not one but twice.. then their was a lawsuit against Sallie Mae over it.. my loan wasn’t included in the lawsuit I have no idea why.. well then another lawsuit comes out my loan still ain’t included in it.. u know anytime I am asked about going to bank to school it makes my stomach turn.. the whole idea if ne furthering my education was for a better career for me and my new bitten son.. to have a better life.. something My son could be proud of.. and it back fired and has been everything but what I was hoping for I can’t even buy a house for me and my kids bc of this.. 20 years well almost of pain and suffering.. the only thing I learned from trying to further my education was people even teachers and schools cannot be trusted.

    Reply
    1. Dan Hubbard Avatar
      Dan Hubbard

      Hi Heather! We’re sorry to hear that you’re going through such a frustrating and disappointing student loan experience. Unfortunately, you aren’t the only student whose educational journey was not what they were promised. There are certain types of loan discharge for borrowers who were misled by their schools that you may be able to qualify for. In the meantime, you’ll want to ensure that you’re enrolled in a plan that keeps your payments affordable and works toward a goal instead of allowing interest to run rampant with no benefit for you. Our team of experts can evaluate your options and advise you on a path that works for you and your son, not for the debt collectors. Call in today for more info!

      Reply
  12. Toni Avatar
    Toni

    My loan was forgiven, but MOHELA owes me thousands of dollars in overpayment. They have not responded to any of my calls or messages for help or clarification. Add that to the list of cons.

    Reply
    1. Dan Hubbard Avatar
      Dan Hubbard

      Hi Toni! Unfortunately, you’re not the first person we’ve heard is waiting for a promised refund. Typically, refunds are received within two months of the loans being forgiven and sent back to the original payment method. So, for example, if you used a checking account to pay electronically online, your refund will be electronically sent right back to that account. If you aren’t hearing back from MOHELA, try filing a complaint with the Student Loan Ombudsman group instead.

      Reply
  13. Jason Avatar
    Jason

    MOHELA is horrible. Wait times on the phone just to talk to someone is 3 to 5 hours. I couldn’t make a payment online or mail it in because they had my information wrong in the system. So, the only way for me to make a payment was to call and pay with a debit card. I even had them on the phone with my bank and they still didn’t resolve my problem. Oh l, and they even promised to look into it and call me back. I’m still waiting on multiple call backs.

    Reply
    1. Dan Hubbard Avatar
      Dan Hubbard

      Hi Jason! It’s incredibly frustrating when you’re simply trying to pay back your loan, and your loan servicer makes that straightforward task harder for some reason. Sometimes, having to call your servicer and wait on the phone is unavoidable, but our agents are here to help you avoid calling your servicer as much as possible. With a hold time of two minutes or less, our team is on standby to answer your questions, from troubleshooting account access to estimating your monthly payments when a life event changes your situation, and much more. Give Docupop a call today to see how our team can make a real difference!

      Reply
  14. William A Knox Avatar
    William A Knox

    Is it possible to make additional principal payments to school loans and thereby reduce the length of the loans and reduce the total lifetime interest amount? If so, what is the method to achieve this? Thank you.

    Reply
    1. Dan Hubbard Avatar
      Dan Hubbard

      Hi William! Yes, it is possible to pay additional amounts towards your loan to speed up the repayment period, but your payments must first go towards paying off any outstanding interest. Once the interest is paid off, any additional amount will go toward your principal instead. If you’d like to review the different repayment plans that are available and figure out what your best repayment strategy is, give our Loan Coaches a call today!

      Reply

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