r/MOHELA

Hello,

I am sure lots of others got the same email. The first email was 90 days to choose a repayment now the email from today is 30 days to choose a new repayment plan. I am curious, if I don't take action on this will my payment be due in 60 days or will it take them a lot longer to figure it out? I have about 14 payments left with PSLF, but was hoping to start payments around January not right away. Would appreciate any insight others may have.

Email said:

SAVE Plan Update - ACTION NEEDED: You will be Placed into a New Repayment Plan in 30 Days

A recent legal settlement ended the Saving on a Valuable Education (SAVE) Plan, and it is no longer available to borrowers. As a result of the settlement, MOHELA was directed by the U.S. Department of Education (ED) to move all borrowers out of the SAVE Plan. We previously notified you that you had 90 days to select a new repayment plan; otherwise, you would be placed into another plan. You did not take action within that 90-day period. This is your FINAL NOTICE. If you do not take immediate action to select a repayment plan, we will place you into a repayment plan in 30 days. If you're currently enrolled in the SAVE Plan but do not submit a new application for a different repayment plan within 30 days, you will be placed on the Standard Repayment Plan. If you have a new loan that entered repayment on or after July 1, 2026, we will place you on the Tiered Standard Plan.

- wait through the 2-3 minute intro

- when they start listing menu options, press 6 immediately ("additional options")

- enter SSN and phone #

- listen to boring "account status" details

- when they start listing menu options, press 5 immediately ("additional options")

- this should get you through to a human being eventually

- it still takes about 5 minutes to get through the menus, but it's the fastest route I've found

Side note: calling when they first open (8am) usually gets you through without long hold times

Signed, someone who's been going through the most hellish customer service experience of all time for the last 1.5 years

What is the longest time you've waited for a MOHELA agent? Mine was 8 hours back in 2025.

I just wanted to provide everyone with a Mohela customer service wait time reference point, given how long they can be sometimes, in case that helps anyone else in planning calls to them. I called the customer service line this morning, Wednesday, October 7th, at about 8:20 a.m. EST. I called 1-888-866-4352, listened to about two minutes of their notices, then when given a menu of options, I pressed 6 for "more options." It then asked for my social security # or account #, and the last four digits of a phone number on file, and then gave me a second menu of options, where I chose 5 for all other questions. Then it had me listen to a couple more minutes of notices, but an initial representative answered almost immediately thereafter. My question was related to forbearances, so of course she transferred me to an advanced agent, and from there I waited approximately 20 minutes for that person to answer.

That was about the same amount of time, maybe a little less, when I called on a Tuesday back in July and was transferred to an advanced agent. I also called that day around the same time in the morning. Today, I also called back at about 9:15 a.m. just to check the prompts before writing this post to make sure I was accurate and the approximate wait time for the initial agent was still only 30 seconds (I have no idea what the wait time for an advanced agent would have been at that point, though).

All in all, not terrible, and the moral of the story is call before 8:30 on any day that is not a Monday (I heard Mondays are atrocious). I've seen horror stories of people waiting hours or having to take an entire day off to spend all of that time waiting on hold, so I hope this provides a little help to anyone else who is also trying to navigate this ridiculous storm.

Applied for graduated repayment plan and submitted paperwork - how long does it take to kick in? Originally on SAVE.