To Our Customers

  • Last Updated November 2025


    Supporting Your Path to Financial Freedom Through Student Loan Repayment

    For borrowers with federally owned loans

    At MOHELA, we're dedicated to helping you navigate your federal student loan repayment journey with ease and expertise.

    With over 40 years of experience in student loan servicing, MOHELA has been committed to assisting borrowers in managing and repaying federal loans. We're here to make the repayment process more manageable. Explore how we can help below.




    How MOHELA Supports You

    From helping you navigate federal loan repayment plans to processing your payments, MOHELA provides a range of services designed to make student loan repayment manageable and stress-free. Here’s how we support you at every step.

    Service Breakdown

    • Repayment Plans
      Explore a variety of repayment options tailored to fit your financial needs. Our team can assist you in choosing an appropriate plan for your situation, from standard and income-driven options to specialized plans based on your employment or other circumstances.
      Explore Repayment Plans
    • Account Management
      Track your loan details, view account updates, and stay informed about your repayment status all in one place.
      Access to your account here
    • Flexible Payment Options
      Set up one-time or recurring payments with flexibility to suit your budget. Easily make payments online and stay up to date with billing statements and reminders so you're always informed.
      Manage Payments Online


    Frequently Asked Questions (FAQs) for Borrowers with Federally Owned Loans

    Below are answers to some of the most common questions borrowers ask:

    The U.S. Department of Education (ED) owns your federal student loan. MOHELA is a federal contractor, servicing your loan on behalf of the U.S. Department of Education's Office of Federal Student Aid (FSA) to help you manage repayment. We work under ED's guidance to support you through each phase of repayment. We don't originate or disburse loans.

    As a trusted FSA-contracted loan servicer, MOHELA assists with billing, account updates, processing payment requests, and guidance on available repayment plans—all provided at no cost to you. We're here to help you manage your loans.

    Any payments you make are sent to a P.O. box (or, a lockbox), which is controlled by a different federal contractor. This contractor sends files with your payment information to MOHELA for processing.

    More specifically, you might ask, where do the funds actually go?

    The payments you make (essentially, the funds making up those payments), including those made towards origination fees, interest, and principal go to the U.S. Department of Education, not to MOHELA. MOHELA does not retain any portion of your loan payments. We're here solely to help you manage your federal student loan repayment. Thus, the federal government is the recipient of those funds.

    (Although refund requests are initiated through MOHELA, the refunds ultimately come from the federal government.)

    As a contractor, MOHELA is paid a small monthly fee by the U.S. Department of Education for each account we service. That fee is the same regardless of what repayment plan you're enrolled in, your interest rate, or any other terms of your loan.

    From July 1, 2022, through April 30, 2024, MOHELA supported the federal government as the interim PSLF servicer during the expansion of the program. In total through October 2024, MOHELA processed over $55 billion in PSLF forgiveness for over 756,000 borrowers, under the direction of FSA.


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    What's New: Updates & Announcements

    Stay informed about important changes and announcements in student loan repayment and policies. Here's what's new:

    • Return to Repayment
      The federal student loan payment pause ended in October 2023. We're here to help you navigate the return-to-repayment process and answer any questions you may have. FSA's temporary on-ramp period continued through September 2024. For borrowers who are new to repayment or those who want a refresher, check out StudentAid.gov's Repaying Student Loans 101.

    • Public Service Loan Forgiveness (PSLF) Updates
      MOHELA played a vital role in supporting the PSLF program from 2022 to 2024 as the sole interim PSLF servicer, helping borrowers receive over $55 billion in loan forgiveness. As of May 2025, MOHELA continues to service a large majority of PSLF borrowers. However, the processing of Employment Certification Forms and other specialty work with PSLF is performed by Federal Student Aid (FSA). Explore the latest information about the PSLF program.



    MOHELA's Role in Federal Loan Management

    As a U.S. Department of Education (ED) approved servicer, MOHELA has a unique role in supporting federal student loan borrowers. Here's what we do as part of our partnership with the U.S. Department of Education's Office of Federal Student Aid (FSA).

    • Partnership with FSA
      MOHELA is proud to serve as a federal contractor for the U.S. Department of Education, working directly with FSA to support you throughout your repayment process. Our team operates under FSA's standards to provide reliable, efficient assistance with your federal student loans.
      MOHELA operates under the guidance of FSA, which owns the loans and sets program policies. Decisions regarding loan forgiveness, repayment programs, payments, and other processes are ultimately made by FSA, not MOHELA.
      Loan terms, origination fees, interest rates, and forgiveness eligibility are determined by the U.S. Congress, FSA policies, or federal regulations.

    • Supporting Borrowers
      From processing payments and providing account support to discussing income-driven repayment plans, MOHELA's role is to ensure your loan management experience is smooth, accessible, and informed. We work to meet your needs, answer your questions, and provide support at no cost to you.



    Facts About MOHELA

    Who We Are

    MOHELA is a non-profit, governmental entity with over 40 years of experience. We serve approximately 6.7 million federal student loan borrowers on behalf of the U.S. Department of Education's Office of Federal Student Aid (FSA).

    Addressing Misconceptions

    "MOHELA Decides Forgiveness Outcomes"

    • Fact: FSA owns all federal loans and is solely responsible for determining outcomes like PSLF forgiveness or program eligibility. MOHELA acts as an intermediary, facilitating applications and providing borrower assistance for certain aspects of PSLF. FSA likewise determines the outcome of applications for discharge based on Borrower Defense to Repayment.


    "MOHELA Created Delays in Servicing"

    • Fact: Processing delays are often due to large-scale program updates, changes directed by FSA or files and data delays from FSA and other contractors. For instance, prior PSLF program expansions and changes required MOHELA to respond under strict federal timelines.


    "Servicers Can Adjust Federal Student Loan Terms"

    • Fact: MOHELA cannot alter loan terms, interest rates, or forgiveness eligibility. These are determined by the U.S. Congress, U.S. Department of Education regulations, and FSA policies.



    Supporting Education Beyond Loan Servicing

    Through its foundation, MOHELA invests in education for future leaders. Over $12 million in student scholarships and grants were provided by MOHELA's foundation during the 2023-2024 academic year, and MOHELA contributed $6 million toward Missouri programs that support student scholarships and grants.

    • Partnerships with community organizations to expand access to higher education.



    Learn More

    For more information about your federal loans or program updates, visit StudentAid.gov.