If you are experiencing hardship, a short-term forbearance may be available. Additional eligibility criteria and requirements may apply. To determine if you qualify, please call.
Financial Hardship Forbearance - If you are experiencing unexpected financial hardship, which may include but is not limited to: illness, maternity leave, reduction in monthly income, or business failure.
Natural Disaster Forbearance - If your ZIP code of residence is declared as an Individual Assistance zone by FEMA due to a natural disaster.
Military Service - You may postpone repayment of your loan(s) while you are:
serving on active duty during a war or other military operation or national emergency, or
performing qualifying National Guard duty during a war or other military operation or national emergency.
You must provide MOHELA with a copy of your military orders or a written statement from your commanding or personnel officer, or you must have your commanding or personnel officer certify your service.
Unemployment/Underemployment Deferment - If you are unemployed (voluntary or involuntary) or your current income is below 150% of the federal poverty level for your household size.