MOHELA customer service: what it can do and how to contact it

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MOHELA is one of nine companies that manage federal student loans by collecting and tracking payments. MOHELA, or Missouri Higher Education Loan Authority, is a nonprofit company that offers federal and private student loans. If MOHELA is your federal student loan manager, here’s what they can help you do.

  • Register to access your account online. Once you have access to it, you can contact MOHELA, access your monthly billing statements and pay your bills.

  • Sign up for automatic payment. MOHELA can automatically deduct your payments from your bank account. Signing up for automatic payment will reduce your interest by 0.25%.

  • Sign up for an income-based refund. You can ask income-based reimbursement, which limits your student loan payments to a percentage of your income, by filling out a paper form with MOHELA. (You can apply online at then recertify your income annually online as well.)

  • Process requests for adjournment and abstention. MOHELA can help you temporarily stop making payments or reduce your payment amount if you qualify. This helps you stay in good standing to avoid defaults. But during all periods of adjournment or abstention, interest can continue to grow.

  • Process monthly payments and additional payments. MOHELA will track and collect your payments. If you want to make additional payments, you can ask MOHELA (online, by phone or by mail) to apply additional payments to your current balance. Otherwise, he can apply the additional amount to the next month’s payment instead.

Your loan manager is assigned by the US Department of Education when your loan is first disbursed at your college. The name of the company that sends you a federal loan bill each month is your service agent. If your loan repayments haven’t started or you’re not sure which company your manager is, log on to My federal student aid discover. You can also get in touch with one of the loan services contact centers by calling 1-800-4-FED-AID.

Service agents are there to help, but they can suggest choices that are best for the business, not the borrower. This means that they cannot change the way payments are processed and may not suggest the most beneficial refund option for you. This is the most important to know your repayment options so you know the right questions to ask.

Am I stuck at MOHELA until my loans are repaid?

Loans are sometimes transferred from one provider to another by the Ministry of Education.

The Department of Education plans to change the landscape of student loan management by signing new management contracts with five companies to eventually take over loan management. This means that your loan manager is likely to change. MOHELA is expected to continue managing the loans until March 2022.

You will be notified when this happens and you will manage the payments with the new server. All repairers offer the same options and programs, but customer service may differ from each other.

Otherwise, you are likely to stay with MOHELA unless you take action to change service. Use this tool to find out what might work for you.

How to reach MOHELA customer service

MOHELA contact number: 1-888-866-4352

MOHELA opening hours: Monday to Thursday 7 a.m. to 9 p.m. CT and Friday 7 a.m. to 5 p.m. CT

MOHELA address for loan repayments: All payment addresses depend on your location. Log into your MOHELA account or call for the correct address.

MOHELA address for general correspondence:

Chesterfield, MO 63005-1243

How to complain about MOHELA

If you encounter difficulties with MOHELA that you have not been able to resolve, first file a complaint directly with the MOHELA ombudsman. It is the highest customer service desk of the service agent. Fill in a formal request via pdf and send by fax to: 1-866-222-7060 or by mail to:

If your problem is not resolved, you can also file a complaint about MOHELA with:

Make sure you keep track of the conversations you have, including the day, time, and the customer service rep you spoke with. Keep copies of all letters, invoices or emails regarding your account.

How to settle a dispute with MOHELA

If a complaint does not help you, you can contact the Federal Student Aid Ombudsman Group. This method should only be used as a last resort, says the federal student aid office. Complete all the information on the Ombudsman Information Checklist before contacting. When you’re ready to contact us, here’s how to contact us:

By email: US Department of Education

The Nine Federal Student Loans Services

Learn more about each of the federal loan officers, including what they can do and how to contact them.

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About Douglas Mackenzie

Douglas Mackenzie

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