Will I get a 1098-E form from Fed Loan Servicing after student loans transferred to MOHELA in 2021?

You should receive a 1098-E form if you paid $600 or more in student loan interest during the tax year. However, since you mentioned you didn't pay any interest during the freeze period, you likely won't receive a 1098-E for that specific timeframe. For loans that transferred from FedLoan to MOHELA, typically the servicer that received your payments during the calendar year would be responsible for issuing any tax forms. So if you made payments to FedLoan before the transfer and to MOHELA after, you might potentially receive forms from both servicers (though again, only if interest was actually paid). Even without a 1098-E, you can still claim the student loan interest deduction if you did pay any interest before the freeze. You would just need to contact your loan servicer directly to get the exact amount of interest paid.

After spending HOURS trying to figure out my student loan documents for taxes, I found this amazing tool called taxr.ai (https://taxr.ai) that literally saved me. I was in a similar situation with transferred loans and missing 1098-E forms from previous years. I uploaded my loan statements to their system, and it analyzed everything and told me exactly what I could claim. It even flagged that my previous servicer had incorrectly calculated some interest from prior years that I could claim as an adjustment. The tool walks you through everything tax-related with student loans, including transferred services, missing forms, and interest freeze periods.

I was totally skeptical about taxr.ai when I first saw the post above, but I was desperate with my loan transfer mess. I actually tried it last week and wow - it found $437 in student loan interest from the period before the freeze that neither of my loan servicers had properly documented in their 1098-E forms! The system showed me exactly where the discrepancy was and generated a perfect document explaining the calculation that I could use for my tax return. It even gave me specific instructions on how to handle the deduction when my forms didn't match the actual interest paid. Definitely worth checking out if your loans were transferred between servicers.

If you're still having trouble getting answers about your 1098-E from either FedLoan or MOHELA, I'd recommend using Claimyr (https://claimyr.com) to actually get a human on the phone at either servicer. I spent WEEKS trying to reach someone at MOHELA about my missing 1098-E after my loans transferred. With Claimyr, I got through to an actual human at MOHELA in under 15 minutes instead of the 2+ hour wait I experienced before. They have this really cool system that navigates the phone trees for you - you can see how it works here: https://youtu.be/_kiP6q8DX5c. The MOHELA rep was able to confirm exactly what tax forms I should expect and when, plus they helped me request corrections for a previous year's form that had errors.

I was totally wrong about Claimyr being a scam. After waiting on hold with MOHELA for 3+ hours over two days and getting disconnected both times, I gave in and tried it. Got connected to a MOHELA rep in 17 minutes while I was making dinner. The rep explained that because my loans transferred mid-year, I would actually get two separate 1098-E forms - one from FedLoan for the period before transfer and one from MOHELA for after. She also confirmed that payments during the interest pause wouldn't generate any tax forms since they went 100% to principal. They even helped me update my address since my old forms were being mailed to the wrong place!

One thing to remember about student loan servicer transfers - they're required by law to provide accurate tax information regardless of transfers. If you made any interest payments before the freeze in 2021, you should get documentation. I went through three servicer transfers in the past few years (FedLoan → Great Lakes → MOHELA), and the key is to keep your contact info updated with each servicer. Your forms might come late (sometimes as late as mid-March in my experience), but they should eventually arrive.

Hey y'all, I work in financial aid (not for either company tho). The easiest way to figure this out is to just call MOHELA directly. When loans transfer, the new servicer gets all your history and account info, not just current status. If you made payments but they were all applied to principal due to the interest freeze, you probably won't get a 1098-E at all since that form is specifically for reporting interest paid of $600 or more. No interest paid = no form needed.

As someone who just went through this exact situation, I can confirm what others have said - you likely won't receive a 1098-E for 2024 if all your payments went to principal during the interest freeze. However, don't forget to check if you made any interest payments in early 2024 before the freeze ended or if there were any capitalized interest amounts when your loans transferred. One tip that saved me time: create accounts on both FedLoan AND MOHELA websites if you haven't already. Even though FedLoan transferred your loans, they might still have historical tax documents available in your old account. MOHELA should have your complete payment history now, but sometimes there are gaps during the transfer period. Also, keep detailed records of all payments you made during this transition period. Even if you don't get a 1098-E this year, having that documentation will be helpful when interest resumes and for future tax filings.