An administrative forbearance is a temporary suspension of, a reduction of, or an extension of time for making principal and/or interest payments on a Stafford, SLS, PLUS, or Consolidation loan that is granted by the holder or lender, upon notice to the borrower or endorser, and that does not require a written request from the borrower or an agreement signed by the borrower before the forbearance is granted. During an administrative forbearance, payments to federally held student loans have been automatically paused or suspended and interest rates set to 0% . The borrower is responsible for the interest that accrues on the loan during the forbearance period. Some forbearances are entitlements for eligible borrowers, while others are granted at the discretion of the lender. It is the borrowers responsibility to complete a forbearance request and to provide MOHELA with any necessary documentation to support their eligibility. MOHELA will send a letter advising the borrower if the forbearance was approved or denied on their loan(s) . If a borrower has a Direct Loan and works full-time for a qualifying employer during the payment suspension (administrative forbearance), then they will receive credit toward Public Service Loan Forgiveness (PSLF) or TEPSLF for the period of suspension as though they made on-time monthly payments in the correct amount while on a qualifying repayment plan.