PSLF Transfer to MOHELA

Federal Student Aid (FSA) will begin transitioning the Public Service Loan Forgiveness (PSLF) program, borrowers, and their loans in stages from FedLoan Servicing to MOHELA starting in early July 2022 into September 2022.

This loan transfer will not impact the existing terms, conditions, interest rates, loan discharge or forgiveness programs, or available repayment plans on the loans. It will also not impact your progress towards PSLF forgiveness. The Coronavirus (COVID-19) Forbearance payment pause and 0% interest rate will still remain active through August 31, 2022.

All PSLF borrowers whose loans have not been forgiven will be transferred to MOHELA. PSLF discharges for borrowers who meet all eligibility requirements will continue to occur during this transfer timeframe. PSLF borrowers whose loans are forgiven during this transfer timeframe will not be transferred.

What to Expect

Communications

PSLF borrowers can expect to receive five notices as their accounts are transferred including:

  1. An email from FSA in June with information and expectations about this transfer.
  2. Notice of transfer from FedLoan Servicing
  3. Pre-transfer confirmation email from FSA: Will be sent after the notice of transfer from FedLoan Servicing, but before the transfer occurs.
  4. Welcome letter from MOHELA
  5. Post-transfer confirmation email from FSA: Will be sent approximately 2 weeks after the transfer is complete.

Account Number

MOHELA will assign an account number to you which may or may not be the same as you had with FedLoan Servicing. The account number will be included in your welcome letter and will be available once you set up an account on mohela.com.

Online Access

Create a user ID and password to begin managing your student loan account on mohela.com. Once logged into your account, you can do the following:

  • Update your contact information
  • Make payments
  • Enroll in Auto Debit
  • Sign up for paperless correspondence delivery
  • Download the MOHELA app
  • Enroll in text and email notifications

IMPORTANT REMINDER: Ensure to update your contact information on mohela.com to receive important information regarding your account.

Making Payments

Begin using MOHELA's contact information to make payments immediately after receiving your welcome letter from MOHELA. MOHELA will notify you when payments are due.

If you made a payment directly to FedLoan Servicing that did not yet post to your loans before the transfer, these payments will be forwarded to MOHELA in 30 days. MOHELA will post the payment to your loans with the effective date that the payment was made to FedLoan Servicing.

Direct Debit (Auto Debit)

Please allow 3 to 4 business days from receipt of the welcome letter for all of your billing and Auto Debit information to be available on mohela.com and to manage your automatic payments.

If you are enrolled in automatic payments, the payment status will continue when the loan is transferred to MOHELA. If something changes, MOHELA will notify you.

Bank and Bill Paying Service

It's very important to change the contact information from FedLoan Servicing to MOHELA in your bank or bill paying service. You should immediately update the following information to MOHELA:

  • Updated name
  • Payment address
  • New MOHELA Account Number

By not making these updates, the bank or bill paying service will send your payments to the wrong servicer, and there will be a delay in your account being credited. The payment address should be updated to:

Department of Education MOHELA
P.O. Box 790233, St. Louis, MO 63179-0233
New MOHELA Account Number

PSLF Forms

On May 01, 2022, FSA established a pause on the transfer of borrowers from non-PSLF servicers to the existing PSLF servicer (FedLoan Servicing). Transfers will resume to MOHELA after July 01, 2022. Borrowers with submitted and completed PSLF forms will be transferred to MOHELA from their current servicer. You do not need to resend any form or application.

Forms or applications already processed or pending to be processed, will be forwarded to MOHELA.

Your progress towards PSLF will not be impacted if you have submitted a PSLF form between May 01, 2022, and June 30, 2022, and your account has not yet been transferred.

You are welcome to submit signed and completed PSLF forms at any time. FedLoan Servicing will continue to process PSLF forms and will identify borrowers for transfer to MOHELA. Once transferred to MOHELA, borrowers can create their online accounts with MOHELA and start checking on their progress towards PSLF.

IMPORTANT: Please note, these transfers will be completed incrementally and not all information will be transferred or available immediately on July 01, 2022.

Incomplete or Denied PSLF Form

If your PSLF form is incomplete or denied, FedLoan Servicing will reach out to you with the status of your PSLF form. In such situations, borrowers are encouraged to submit the necessary information to FedLoan Servicing immediately to ensure the form can be processed.

Consolidation

On May 01, 2022, FSA implemented several changes to prepare for the transition of the PSLF Program from FedLoan Servicing to MOHELA. These changes were put into place to minimize the number of borrowers who might otherwise be subjected to multiple servicer transfers. These changes include:

  • Borrowers who are taking advantage of the limited PSLF waiver by consolidating their loans on StudentAid.gov, must choose MOHELA as their new loan servicer as FedLoan Servicing is no longer an option.
  • Once MOHELA is selected, the borrower’s loans will be consolidated by Aidvantage, another member of the Federal Student Aid’s servicing team.
  • When Aidvantage completes the consolidation, the new loan will be sent to MOHELA for general servicing. If the consolidation is completed before July 01, 2022, MOHELA can provide general servicing of the consolidation loan. After July 01, 2022, borrowers who consolidated for PSLF can work directly with MOHELA regarding any questions about their PSLF status.

Your progress toward PSLF will not be affected if you consolidate your loans between May 01, 2022, and June 30, 2022, and have your new loan go directly to MOHELA. As of July 01, 2022, borrowers who have transferred can work directly with MOHELA for any questions about the PSLF program and the transfer process.

MOHELA can only provide PSLF information (such as payment counts), after a PSLF Form has been processed and payment periods have been assessed. MOHELA will communicate all updates.

Contact MOHELA

Send Payment To:
U.S. Department of Education
MOHELA
P.O. Box 790233
St. Louis, MO 63179-0233
All payments must be drawn in U.S. currency on U.S. financial institutions or TD Bank.

Phone: 1-888-866-4352 (toll-free)
TDD: Dial 711
Automated Account Information 24/7

Send All Correspondence To:
U.S. Department of Education
MOHELA
633 Spirit Drive
Chesterfield, MO 63005-1243
Please include your account # on all correspondences.

Fax: 1-866-222-7060 (toll-free)
Online Account Access: 24/7 at mohela.com
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Go Paperless:
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