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Forbearance Information

MOHELA offers a variety of payment options along with deferments and forbearances for those who qualify.

Forbearance Quick Facts

  • What is a forbearance?

    It is a period of time during which you may postpone your monthly payments or reduce the amount of your payments. You are responsible for the interest that accrues on your loan during the forbearance period. Some forbearances are entitlements for eligible borrowers; others are granted at the discretion of the lender.

  • Can payments be made during my forbearance?

    Yes, payments may be made at any time during the forbearance.

  • What is the benefit of a deferment over a forbearance?

    The primary advantage is the potential interest savings. During a forbearance, you are responsible for the accrued interest. During a deferment, only borrowers with Unsubsidized Stafford, Parent PLUS and GradPLUS loans are responsible for the interest that accrues.

  • How do I request a forbearance?

    It is your responsibility to complete a forbearance request and to provide MOHELA with any necessary documentation to support your eligibility.

  • What types of forbearances are available?

    Forbearances are available for a variety of situations including the following:

  • Will I be notified when a forbearance is placed on my loan?

    Yes, MOHELA will send a letter advising you if the forbearance was approved or denied on your loan(s).