Welcome to MOHELA!

Your student loan is now being serviced by MOHELA on behalf of NJ Pay It Forward. With over 40 years in the student loan servicing industry, we have the expertise to help manage your account.

We offer tools and resources along with dedicated customer service professionals to answer your questions and help you navigate through your loan's life cycle to successfully repay your loans.

Servicing Information to Know

MOHELA is dedicated to providing full access to all resources to ensure your servicing experience is exceptional. We encourage you to set up a web account for 24/7 access to account information and management. To receive correspondence quickly and easily, you can sign up for Paperless communication. When a document or bill has been generated, an email will be sent advising to login to your web account. You can view your documents via "My Messages."

Communications you should expect to receive from MOHELA for your NJ Pay It Forward loan servicing include, but are not limited to:

• Repayment Schedule - A schedule informing you of the monthly payment amount, remaining number of months in repayment, and any time your payment amount changes, thereafter.
• Monthly Billing Statement - A monthly statement will be sent via mail or Paperless communication. The Billing Statement includes your last payment date and amount, past due amount, if applicable, current amount due, and total amount due.
• Returned Payment Notification - Provides the date of payment and amount of payment that was returned. This is to allow a replacement payment to be made to avoid a past due status.

MOHELA offers several options to make monthly payments. Enrolling in Auto Pay allows payments to be automatically withdrawn monthly. You can also add an amount to be withdrawn in addition to your normal monthly payment.

We have several other methods to help you manage your loan payments. We provide 24/7 web access to schedule a one-time payment at your convenience or 24/7 access option to pay by phone through our automated system at 888.212.5908 (Toll Free). Payments accepted via mail, however, may take up to 7 business days to post to your account. To pay by mail, please remit to:

MOHELA provides a monthly loan status update to the four major Consumer Reporting Agencies. Therefore, it is important to keep your contact information up to date so that we may notify you promptly if your account is past due.

Manage Your Account