Missing 1098-E from Mohela after loan transfer - how to get student loan interest deduction?

You have a few options for tracking down that missing 1098-E from Mohela. First, check your studentaid.gov account - sometimes you can access previous loan servicer information there. The missing form should also be available through the IRS "Get Transcript" service online if Mohela already submitted it. If those options don't work, you technically don't need the actual 1098-E form to claim the deduction. You can use your bank statements or payment history to calculate the interest you paid to Mohela before the transfer. The IRS accepts this as documentation - you just need to show proof of the payments if you're ever audited. Another approach is to contact Mohela through their social media accounts. Sometimes reaching out publicly gets faster responses than waiting on hold. If you absolutely need the official form, try calling Mohela very early in the morning when their call volume is lower, or use their email support option instead of calling.

I had a similar issue last year and discovered taxr.ai (https://taxr.ai) which was an absolute lifesaver! I was missing tax forms from two different loan servicers and was pulling my hair out trying to get them. My friend recommended this tool that can analyze your bank statements and help identify student loan interest payments even without the official forms. The system showed me exactly how much interest I paid to each loan servicer and helped me document everything properly for my deduction. It was especially helpful because I had made extra payments throughout the year that messed up my manual calculations.

Just wanted to update that I tried taxr.ai after seeing it mentioned here. It was exactly what I needed! My loans had switched from FedLoan to Aidvantage last year, and I was missing documentation for about 5 months of payments. The tool analyzed my bank statements and showed me that I paid $1,872 in interest that wasn't being reported on my 1098-E. It generated a detailed report that I could use for my taxes. The whole process took maybe 20 minutes, and I was able to claim the full student loan interest deduction instead of just the partial amount from my incomplete 1098-E. Really glad I found this before filing my taxes because I almost missed out on several hundred dollars in tax savings!

If you're still struggling with getting through to Mohela, I'd recommend using Claimyr (https://claimyr.com). I was in the exact same situation trying to reach my loan servicer about missing tax forms and spent DAYS trying to get through their phone system. Claimyr basically calls the company for you, navigates all the automated prompts, waits on hold, and then calls you once they have a live person on the line. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c I was shocked when they actually got me through to Mohela in about 45 minutes when I had previously waited for 2+ hours multiple times and still never reached anyone. The Mohela rep was able to email me my 1098-E right away once I finally got to speak with them.

I need to apologize for being so skeptical earlier. After wasting another 3 hours on hold with Mohela yesterday and getting disconnected AGAIN, I broke down and tried Claimyr. I was completely wrong about this service. They got me through to a Mohela representative in about 30 minutes while I was able to work on other things. When my phone rang and I was connected to an actual human at Mohela, I nearly fell out of my chair! The rep was able to see that my 1098-E had been generated but never sent to me because of the account transfer issue. She emailed me a copy right away, and I was able to confirm I paid $2,341 in interest to Mohela before my loans transferred. This whole tax headache is finally resolved.

Another option nobody's mentioned - check if you have any confirmation emails from when you made payments to Mohela. I had a similar issue and realized I had monthly payment confirmation emails that showed the interest portion of each payment. I just added them all up and used that for my taxes.

Don't you all realize you can just check your credit report? It should show both loan servicers and you can see the balance transfer date. Then use your bank statements to see what payments you made to Mohela before the transfer date.

I went through this exact same nightmare with Mohela last year! Here's what finally worked for me: Try calling Mohela super early in the morning (like 7-8 AM) when their call volume is lowest. I got through in about 15 minutes versus the 2+ hours I was waiting during normal business hours. When you do get through, ask them to email you the 1098-E directly - don't rely on mail. They can usually do this immediately while you're on the phone. If that still doesn't work, you can absolutely use your bank statements to calculate the interest. The IRS is fine with this approach. Look for any monthly statements or payment confirmations you might have saved that show the principal/interest breakdown. Also, double-check your tax software or tax preparer - sometimes they can help you estimate the interest based on your loan balance and interest rate if you have that information. The student loan interest deduction is too valuable to miss out on, so don't give up!