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The Commonly Used Lender List was created based on particular services and benefits each lender provides and that the Financial Aid Office considers important.

You may compare selected lenders by checking the box next to the particular lenders and hit the 'Compare' button. Once you have made your decision, select the 'Apply' button next to the lender to start the application process.

Alternative loans are from lending institutions; they are not part of the federal government guaranteed loan programs. It’s important for you to complete a FAFSA to ensure eligibility is calculated for federal loan programs, grants, and Work-Study before you borrow from a private loan program.

If you have additional costs you may apply for a credit based alternative loan. Please review this page, and apply if you wish to be considered for this loan.

It is each lender’s responsibility to notify MOHELA when the above benefits change. MOHELA is not responsible for determining the validity of the information the lenders supply. The lenders listed have the right to modify, expand, or discontinue borrower benefits at any time without notice.

Rates are reviewed annually on July 1. Rate Relief and Public Service Benefits are offered exclusively by MOHELA in conjunction with its Lender-Partners and are available to eligible borrowers in repayment whose loans are owned and serviced by MOHELA. These benefits are not applicable to loans placed in Consolidation. These benefits do not lower the monthly payment, but rather reduce the amount of interest that accrues and results in more dollars being applied to the principal balance of the loan. MOHELA may discontinue offering these benefits to any borrower whose account becomes delinquent or in the event an auto debit is terminated for any reason. Loans guaranteed by Missouri state guarantee agency may qualify for an increased level of Rate Relief.