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Welcome to our new MOHELA portal!
If your account recently transitioned to our new servicing portal, we're excited you're here. It's time to create an online account. You can also read our info page about the transition. this link will open in a new window
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Important Announcements Contact Us
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- In Repayment
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- Public Service Loan Forgiveness
- TEACH Grants
- Teacher Loan Forgiveness
- Total and Permanent Disability
- Borrower Defense to Repayment
- Closed School Loan Discharge
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- Important Announcements
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If you recently received notification from your current federal student loan servicer that your loans will be transferring to MOHELA, welcome to MOHELA! Please refer to the following transfer information. You can also find general information about how loan transfers work from Federal Student Aid this link will open in a new window .
The U.S. Department of Education (ED) has transferred the customer service of your federal student loan account from your current federal student loan servicer to MOHELA, another member of ED’s federal loan servicer team. Your loans were not sold. ED will continue to own your loans; however, MOHELA will manage your loans and assist you on ED’s behalf as your federal student loan servicer this link will open in a new window . This change in servicer will not impact the existing terms, conditions, interest rate or available repayment plans of your federal student loans.
Your full account details should be available no later than 10 business days after the loan transfer date included in the transfer notification sent from your current federal student loan servicer.
Now is the time to:
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create your online account,
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update your contact information,
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enroll in paperless eDelivery, and
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sign up for text and email notifications.
Watch for more information when the transfer is complete. We look forward to providing you with excellent service!
What to Expect for Before, During, and After the Transfer
Your prior servicer will send you a transfer notice before the transfer occurs.
This is typically sent 15 days prior to the transfer date. The notice includes a Q&A and the future effective date of the transfer.
Transfers are sent to MOHELA on the effective date.
Please allow approximately 10 business days after the effective date for the transfer to complete.
All documents received by your prior loan servicer that have not been processed are sent to MOHELA for processing.
Generally, documents are processed within 30 days after the transfer effective date.
All payments received by your prior servicer that haven’t been posted to your account before transfer are sent to MOHELA for processing.
Payments are generally processed within 30 business days of the transfer effective date and are effective as of the date your prior servicer received the payment.
What is happening on MOHELA’s end?
Transfer information is received by MOHELA on the effective date.
Please allow approximately 10 business days after the effective date for the transfer to complete.
Account details will not be available until after the transfer is complete. Keep in mind, PSLF information may take additional time to become available.
A welcome notification is sent to you after the transfer process is complete.
This occurs approximately 10 business days after the transfer is received. The notification will include a Q&A and loan information.
Create a web account.
When the transfer is complete, you’re ready to create your MOHELA online account User Name/Password.
Account details will not be available online until after the transfer is complete. Keep in mind, PSLF information may take additional time to become available.
MOHELA has your full loan details available.
Please allow 2-3 business days after the welcome notification has been sent to you for your full loan details to become available.
MOHELA processes payments and documents sent over from your prior federal student loan servicer.
Everything is generally processed within 30 business days. Payments will be made effective as of the date your prior servicer received the payment.
Welcome to MOHELA!
The transfer process is complete.
Actions You Should Take
Contact Information
Begin using MOHELA's contact information for correspondence, payments, and customer service.
Payments
Begin using MOHELA's payment address, your MOHELA account number, and payment methods to direct your payments to MOHELA.
Remember to update bank or bill pay services with the new information to prevent posting delays.
Account Access
Register for your MOHELA online account and sign up for Paperless eDelivery and other services as they become available to you.
FAQs
The contact information for MOHELA is as follows:
Send Payment To:
P.O. Box 790453
St. Louis, MO 63179-0453
All payments must be drawn in U.S. currency on U.S. financial institutions or TD Bank.
Phone: 1-888-866-4352 (Toll Free)
TDD: Dial 711
Public Service Loan Forgiveness: 855.265.4038 (Toll Free)
Customer Service Hours (CT):
7:00 a.m. – 8:00 p.m. Monday
7:00 a.m. – 7:00 p.m. Tuesday – Wednesday
7:00 a.m. – 5:00 p.m. Thursday – Friday
Automated Account Information 24/7
Send All Correspondence To:
633 Spirit Drive
Chesterfield, MO 63005-1243
Please include your account # on all correspondence
Fax: 1-866-222-7060 (Toll Free)
Online Account Access 24/7:
Register for your online account today!
Go Paperless: Update email permissions on your profile to receive all your account information online.
Military Benefits: Once your loans have been fully transferred, contact our team of Servicemember and Veteran Liaisons at 855.278.3619 or review information about military benefits from the U.S. Department of Education and the U.S. Department of Defense.
MOHELA will contact you when your federal student loan account has been transferred and loaded to our system. If you have any questions, please visit your MOHELA online account or contact customer service.
You may. MOHELA assigned a federal student loan account number to you which may be the same as you had with your prior servicer. The account number is included the Welcome letter you will be sent after your account is fully transferred. The account number is also available after you log in to your MOHELA online account.
Yes. After your loan transfer is complete, register for an online MOHELA account to begin managing your student loan account 24/7. Update your contact information, make payments, and enroll in Auto Pay and paperless eDelivery.
Once the transfer is complete, please allow 3-4 business days for all of your billing and Auto Pay information to be available on online.
If you are making payments, immediately begin using MOHELA’s contact information to make payments. We will also let you know when payments will be due. Please make sure your contact information is up to date on your MOHELA online account so we can send you important information.
If you made your federal student loan payment directly to your prior federal student loan servicer that was not yet posted to your loans prior to the transfer, these payments will be forwarded to MOHELA within the next 30-90 days and we will post the payment to your loans with the effective date that the payment was made to your prior federal student loan servicer. Please immediately begin using MOHELA’s contact information to make payments to avoid payment posting delays.
You’ll need to provide your bank or bill paying service with the following information for MOHELA:
P.O. Box 790453
St. Louis, MO 63179-0453
New MOHELA Account Number
It’s very important to provide the updated name, payment address, and account to your bank or bill paying service immediately once the transfer is complete. If you don’t make these updates, the bank or bill paying service will send your payments to the wrong servicer, and there will be a delay in your account being credited.
Yes. If you are enrolled in Auto Pay, your information will be transferred to MOHELA and automatic payments will resume with MOHELA. If something changes, MOHELA will notify you. You can also log in to your MOHELA online account to manage your Auto Pay.
Once the transfer is complete, please all 3-4 business days for all of your billing and Auto Pay information to be available online.
Now that we are servicing your federal student loans, you may see some changes on your credit report. Within approximately 90 days, your old federal student loans will now be reported by us.
No action is necessary. Any form/application already processed or pending to be processed will be forwarded to MOHELA within the next 30 days after the transfer is complete. After the transfer, please immediately begin using MOHELA’s contact information for correspondence.
The status of your loans should remain the same unless we are notified of a change.
You never have to pay for help! If you have questions or need help with your student loans, contact us for free help. Learn to avoid student aid scams at StudentAid.gov/scams this link will open in a new window .
Tax information is available by January 31st for the prior year of student loan interest paid toward your Federal Loans. However, if your account was transferred to MOHELA during the previous tax year, please contact your previous servicer for the interest paid to them prior to MOHELA servicing your loan(s).
The federal tax ID for your student loans owned by the U.S. Department of Education is 52-1198289.
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
About Federal Student Aid
Federal Student Aid (FSA) is your federal loan provider. FSA uses servicers (private companies) like MOHELA to manage billing, questions, and payments, and to help you enroll in the best repayment plan for you.
Learn more about Federal Student Aid this link will open in a new window
See your repayment options with Loan Simulator this link will open in a new window
Important Announcements
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Closed Monday, May 27 for Memorial Day
We are closed to honor Memorial Day and remember the men and women who gave their lives serving in the United States Armed Forces.
Due to the federal holiday weekend, payments may take up to 5 days to post to your account. This delay will not change the effective date of the payment.
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Public Service Loan Forgiveness (PSLF) and TEACH Grant Updates
The U.S. Department of Education (ED) has announced that the customer service and processing work associated with the Public Service Loan Forgiveness (PSLF) and Teacher Education Assistance for College and Higher Education (TEACH) Grant programs is shifting to ED via StudentAid.gov.
Beginning May 1, 2024, these programs will began transitioning to ED and will no longer be managed by MOHELA. To allow for the transition of the PSLF and TEACH Grant Programs to StudentAid.gov, the processing of all forms is temporarily paused starting May 1, 2024.
For the PSLF Program, the form processing pause is expected to last into July;
For the TEACH Grant Program, the form processing pause is expected to last into fall 2024.
For more information, please visitStudentAid.gov/streamlining.
Borrowers can continue to submit PSLF forms during the pause, but they will be put on hold and not processed until July. We encourage you to use the PSLF Help Tool to submit your forms. Effective May 1, 2024, manual PSLF forms should be sent by mail to U.S. Department of Education, P.O. Box 300010, Greenville, TX 75403. Forms may also be faxed to: 540-212-2415.
TEACH Grant Program recipients have two choices regarding form submission during this time. You can do either of the following:
Submit a form now by mail* for the current or upcoming school year. Processing of that form will be held until the fall, when the transition to StudentAid.gov is complete; or
Wait until fall 2024 to submit your form on StudentAid.gov.
* Send TEACH forms to TEACH Grant Program, P.O. Box 300010, Greenville, TX 75403. Forms may also be faxed to: 540-212-2415.
StudentAid.gov/streamliningwill be updated as new information becomes available so check back often.
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Welcome to our new MOHELA portal
If your account recently transitioned to our new servicing portal, we're excited you're here. It's time to create an online account. You can also read our info page about the transition.
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MOHELA Transitioning Loan Servicing Platforms
We're making enhancements! MOHELA is part of Federal Student Aid's (FSA's) long-term servicing solution that will eventually allow you to fully manage your federal student loans on StudentAid.gov. Transitioning to StudentAid.gov will ensure borrowers can continue to successfully manage repayment of their federal student loans in a secure, long-term servicing environment.
No action is required of you as part of this change. MOHELA will continue to be your student loan servicer and will remain in contact with you regarding updates to your account. You may notice changes to our website and communications during this transition. For more information about how FSA is changing your student loan web experience, visit StudentAid.gov/streamlining.
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Saving on a Valuable Education (SAVE) Repayment Plan (formerly the REPAYE Program)
The SAVE plan provides the lowest monthly payment of any income-driven repayment plan available to nearly all student borrowers. If you were previously participating in the Revised Pay as You Earn (REPAYE) plan, you will automatically be enrolled in the SAVE Plan and your payment recalculated before payments resume, no action is required. If you want to enroll in the SAVE plan and calculate what your estimated monthly payment may be, use Loan Simulator.
Note: If you are on the REPAYE alternative plan, you will need to apply for the SAVE plan.
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Income-Driven Repayment Account Adjustment
Update: If you received an email from Federal Student Aid regarding income-driven repayment forgiveness, please know that we are working to process your forgiveness as soon as possible. Once the forgiveness has been applied, you will be notified. Our customer service representatives do not have any further information about this forgiveness to provide at this time.
In April 2022, the U.S. Department of Education announced several updates that will bring borrowers closer to forgiveness under income-driven repayment (IDR) plans.
Based on the newly eligible months from the one-time account adjustment, borrowers who have reached 240 or 300 months' (as applicable) worth of payments for IDR forgiveness or 120 months of PSLF will begin to see their loans forgiven in spring 2023. The Department will continue to discharge loans as borrowers reach the months needed for forgiveness. All other borrowers will see their accounts update in 2024.
For more information, please visit StudentAid.gov/IDRAdjustment.
