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MOHELA: What is MOHELA?

MOHELA is one of nine federal student loan servicers that works with the U.S. Department of Education to manage student loans.

Asset Brief is an independent publisher focused on helping you improve your financial decisions. Some of the products featured may be from our partners. This does not influence our reviews, which are based on many hours of research.

What is MOHELA? You may have received letters or emails from MOHELA and wondered who they are. MOHELA is a legitimate student loan servicer that works with the U.S. Department of Education to manage federal student loans.

What is MOHELA?

MOHELA is short for the Missouri Higher Education Loan Authority, a student loan servicing organization based in St. Louis, Missouri.

It is one of the nine federal student loan servicers.

What is a federal student loan servicer? When you take out a federal loan from the U.S. Department of Education, the U.S. Department of Education will assign you to one of the nine loan servicers, who are approved to work with them. MOHELA is one of these loan servicers.

How did you end up with MOHELA?

When you take out a federal student loan from the U.S. Department of Education, they will assign you a loan servicer when your loan amount is first paid out to your school.

What is a loan servicer?

A loan servicer is a company that manages the billing and other services on your federal student loan. There is no cost to you for using MOHELA.

Your loan servicer will, for example, send you federal loan bills, receive loan payments from you, and work with you on loan consolidation and repayment plans.

Is MOHELA the lender?

MOHELA is not the lender. The lender of your federal student loans is the U.S. Department of Education.

Do I choose to use MOHELA?

No, you do not choose who your loan servicer is. The U.S. Department of Education assigns you a loan servicer.

Sometimes the U.S. Department of Education will transfer loans from one servicer to another servicer. When this happens, you will be notified. Your loans are still owned by the U.S. Department of Education, but the company who will be sending you loan bills and collecting your loan payments will change.

How does MOHELA work with you?

Mohela provides a range of services to students who have federal student loans from the U.S. Department of Education.

Set up your online account
Create an online account at MOHELA to access your loan information, make payments, review loan details, update your contact information, sign up for email correspondence, and more.

Get the mobile app
Check your balance, make payments, and send and receive messages through the MOHELA app, available in Google Play and the App Store.
Make automatic online payments
Set up auto payments from your bank account to MOHELA and you may receive a 0.25% interest rate deduction.
Give your parents or spouse access to your account
Provide your parents or spouse access to your loan account.
Sign up for income-driven repayment plans
You can sign up for an income-driven repayment plan. MOHELA offers five types of income-driven repayment plans. This may lower your monthly payments, which are based on your income, family size, loan balance, and type of federal student loan. After making 20-25 years of loan payments, your remaining loan balance may be forgiven.
Change repayment plan
You can change your repayment plan type. MOHELA offers several types of repayment plans which are based on length of time and income.
Make extra payments
You can choose to repay more than what your repayment plan states. This may reduce how much you pay later.
Postpone payments
If you are unable to make your monthly payment, you can contact MOHELA to request deferment or forbearance.
Sign up for loan forgiveness
Under certain circumstances, such as working in public service or working as a teacher in low-income schools, you may be able to have your loan forgiven.
Sign up for military benefits
MOHELA offers benefits to those in the military including deferments, interest caps, public service loan forgiveness, and more.

How to confirm MOHELA is your loan servicer

If you are not sure if MOHELA is your loan servicer, you can check this in two ways.

My Federal Student Aid

You can go to My Federal Student Aid, a U.S. Department of Education website, to see information about all of your federal loans, including who your loan servicer is.

Federal Student Aid Information Center

You can also call the Federal Student Aid Information Center (FSAIC), a U.S. Department of Education center.

Federal Student Aid Information Center phone number:
1-800-433-3243

Sample MOHELA bill

If MOHELA is your loan servicer, you should receive bills that look like the one below.

Is MOHELA legit?

MOHELA is a legitimate student loan servicer. It is one of nine federal student loan servicers, and is one of the largest student loan servicers, with $63 billion in student loans serviced as of June 2019.

MOHELA received an A+ rating from the Better Business Bureau (BBB).

Decades of experience in the student loan servicing industry

MOHELA has been in business since 1981 and has many decades of experience in the student loan servicing industry. The company is headquartered in St. Louis, Missouri, with locations in Columbia, Missouri and Washington, DC. It has over 530 employees.

Good performance according to the U.S. of Education

The U.S. Department of Education measures the performance of its loan servicers and based on this, decides on how many student loans to allocate to each servicer. Those that perform well receive higher allocations.

MOHELA has been allocated the second highest amount, at 17% or approximately 1 in 6 loans, as of June 2019.

Nationwide Multistate Licensing System & Registry (NMLS) registered

MOHELA is registered with the NMLS and with the NMLS ID 1442770. The NMLS is a record system for financial licensing and registration

Can I switch from MOHELA to a new student loan servicer?

The U.S. Department of Education may transfer loans from one servicer to another. When this occurs, you will be notified. However, you do not get to select your federal student loan servicer.

The only time you can change your student loan servicer if when you:

  1. Consolidate your loans
  2. Apply for public student loan forgiveness

Alternatively, you can refinance with a private lender. By doing this, you forfeit federal loan forgiveness programs and income-driven repayment plans. Instead of having your loan managed by the U.S. Department of Education and MOHELA, your loan will instead be managed by a private bank, online lender, or credit union.

How to make payments

You can make your student loan payments to MOHELA online, by phone, or by mail. Your payment will take 2-3 business days from the when you send a payment to when you see the payment in your MOHELA account.

What if you can’t afford your payments to MOHELA

MOHELA offers several different repayment plans. If your circumstance make it difficult for you to repay under any of these plans, you can call MOHELA at 1-888-866-4352 to discuss alternatives.

How to contact MOHELA

There are several ways to contact MOHELA.

By telephone

MOHELA telephone number:
Toll-Free: 1-888-866-4352
International: 1-636-532-0600

You will need your social security number or account number when calling MOHELA.

MOHELA hours of operation:
Monday - Thursday: 7 a.m. - 9 p.m., Central Time
Friday: 7 a.m. - 5 p.m., Central Time

By mail

MOHELA address for payments:
The payment address differs based on your account. Log into your MOHELA account or call MOHELA for your payment address.

You can also pay online or by phone.

MOHELA address for general correspondence:
Do not send payments to this address.

MOHELA
633 Spirit Drive
Chesterfield, MO. 63005-1243

MOHELA Atlanta address for Federal student loans:
Do not send payments to this address without first confirming your payment address with MOHELA.

MOHELA
P.O. BOX 105347
Atlanta, Georgia 30348-5347

MOHELA Chesterfield address for FFELP borrowers:
Do not send payments to this address without first confirming your payment address with MOHELA.

MOHELA
PO BOX 1022
Chesterfield, MO 63006

By fax

MOHELA fax number:
Toll-Free: 1-866-222-7060
International: 1-636-787-2790

Online

MOHELA website: https://www.mohela.com

MOHELA login: https://www.mohela.com/DL/secure/account/loginStep1.aspx

MOHELA social media:

MOHELA mobile apps:

How to submit a complaint about MOHELA

If you are having problems with MOHELA, there are several ways to file a complaint.

MOHELA Ombudsman

You can file a complaint directly with the MOHELA Ombudsman by filling out and sending a formal request. You can find the form here.

The complaint can be mailed to MOHELA or faxed.

MOHELA Ombudsman address:
MOHELA Ombudsman
633 Spirit Drive
Chesterfield, MO. 63005

MOHELA fax:
1-866-222-7060

U.S Department of Education Federal Student Aid Feedback System

You can file a complaint with Federal Student Aid at the U.S. Department of Education through their feedback system. File a complaint here.

Better Business Bureau (BBB)

You can also file a complaint with the Better Business Bureau (BBB), a private, non-profit organization that accredits and rates businesses. File a complaint here.

Complaints filed with the BBB are forwarded to MOHELA within two business days, and MOHELA will be asked to respond within 14 days. If MOHELA does not respond, the BBB will reach out to them again.

BBB complaints are generally closed within 30 business days.

U.S Department of Education Federal Student Aid Ombudsman Group

As a last resort, you can contact the Federal Student Aid Ombudsman Group, a confidential resource to help resolve disputes about your federal student loans. File a complaint here.

The Federal Student Aid Ombudsman Group can help you resolve problems with loan balances and payments, disbursements, overpayments, and more.

They provide an information checklist to help prepare for your conversation.

Federal Student Aid Ombudsman Group address:
U.S. Department of Education
FSA Ombudsman Group
P.O. Box 1843
Monticello, KY 42633

Federal Student Aid Ombudsman Group phone:
1-877-557-2575

Federal Student Aid Ombudsman Group fax:
606-396-4821

FAQ

Is MOHELA federal or private?

MOHELA is a private company that is a federal student loan servicer. It is not a U.S. federal organization, but it does work with the U.S. Department of Education to manage student loans.

For example, MOHELA will send loan payment bills, receive loan payments, and work with you on loan consolidation and repayment plans.

Is MOHELA a government agency?

No, MOHELA is a private company that works with the government to service student loans.

Does MOHELA forgive student loans?

Yes, MOHELA will forgive federal student loans depending on the circumstance. There are two loan forgiveness programs:

  1. Public Service Loan Forgiveness (PSLF)
  2. Teacher Loan Forgiveness

Public Service Loan Forgiveness

If you work for the government or a not-for-program organization, and have made 120 payments on your loans, you may be eligible to have your Direct Loans forgiven.

Direct Loans are loans made under the William D. Ford Federal Direct Loan Program and include:

  • Direct Subsidized Loans
  • Direct Unsubsidized Loans
  • Direct PLUS Loans for Parents
  • Direct Grade PLUS Loans
  • Direct Consolidation Loans
  • Direct PLUS Consolidation Loans

Teacher Loan Forgiveness

Teachers who have taught for five full and consecutive academic years in low-income schools may be eligible to have up to $17,500 of their Direct Loan or FFELP program loans forgiven.

Can MOHELA take my tax return?

MOHELA does not take your tax return, but will provide an IRS Form 1098-E to borrowers who pay $600 or more off interest on qualified student loans during the year.

You can submit your 1098-E form to the IRS, and you may be eligible to deduct a portion of the interest you pay on your federal tax return.

Federal student loan servicers

There are nine federal student loan servicers. Learn more about who they are, what they do, and how to contact them.