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MOHELA is committed to providing Laurel Road customers a first-rate customer experience.

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  • Tax Information

    Tax information is available.  Login to your account, or create an online account to access a downloadable 1098E.

  • COVID-19 Response

    The health and financial well-being of our members and community have remained a top concern amidst the COVID-19 pandemic. If you are currently experiencing an impact to income as a result of COVID-19 and are having difficulty making payments, please contact us at 1-877-292-6845 (TTY: Dial 711) to discuss economic hardship forbearance options that may be available to you. Please note, the Laurel Road COVID-19 Forbearance will no longer be offered after 6/30/21.

    The Federal Government has announced that student loan payments will continue to be paused and interest will continue to be waived for all student loans held by Federal Government Agencies. Unfortunately, this payment suspension and interest waiver does not apply to Laurel Road private educational loans because they are not held by a Federal Government Agency.

  • LIBOR and SOFR Variable Rates

    Please note: As of October 29, 2021, Laurel Road will begin limiting new LIBOR-based student loan refinances and will adopt SOFR as the selected alternative USD index rate for student loans with a variable interest rate. For more on this decision, please see the Laurel Road FAQs. 

    If you currently have an active Laurel Road student loan with a variable rate term, your interest rate will transition to SOFR by June 30, 2023. The Laurel Road team will provide timely updates to existing loan holders who are impacted in advance of the scheduled transition. 

    Rates for Laurel Road variable loans:

    For variable rate loans issued on the One Month LIBOR rate, the LIBOR is 4.62% effective Mar. 1, 2023.

    For variable rate loans issued on the Three Month LIBOR rate, the LIBOR is 4.4% effective Jan. 1, 2023 - Mar. 31, 2023.

    For variable rate loans issued on the 30-Day Average SOFR rate, the SOFR is 4.49% effective Mar. 1, 2023.

    You may identify which rate is applicable to your loan on the Final Disclosure issued by Laurel Road. With any change to the rate index, variable rate loans will re-amortize and a repayment schedule will be provided that will include your new monthly payment amount, interest rate (margin plus LIBOR or margin plus SOFR), and the effective date of your new monthly payment amount.

    Note: The repayment schedule interest rate does not reflect the Auto Pay discount as payments are not calculated with the discounted interest rate.

  • Public Service Loan Forgiveness

    Public Service Loan Forgiveness is not available on private student loans.  Important Notice: The recent federal student loan announcement regarding one-time student loan cancellation is applicable to federal student loans only and does not include private student loans. 

    Please note, private student loans are not eligible for a refund of payments made during the Covid-19 Forbearance.

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Repayment Assistance

For Laurel Road customers experiencing financial hardship, you may be eligible for a short term forbearance.

Learn More about repayment assistance

Forgiveness and Discharge

In certain situations, you may qualify to have your Laurel Road loan(s) discharged, meaning that you will no longer be required to repay your loan(s).

Learn More about forgiveness and discharge

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Attention Massachusetts Borrowers



If you are struggling with your student loans, please fill out this form to get help from the Ombudsman’s Student Loan Assistance Unit.


State of Massachusetts- Ombudsman’s Student Loan Assistance Unit
(888) 830-6277