Welcome to MOHELA!

Federally-Owned Loans Serviced by MOHELA

Your federal direct student loan is being serviced by MOHELA on behalf of Federal Student Aid. With over 30 years in the student loan servicing industry, we have the expertise to help manage your loans – answer any account questions, help you explore your benefits and repayment options and process your payments.

If you recently consolidated multiple federal loans into a new Direct Consolidation Loan, thank you for choosing MOHELA, an official Servicer to Federal Student Aid.

We offer self-service tools and resources to help you navigate through the student loan and repayment process with confidence: make payments, change repayment plans, explore options and get help.

Our Customer Promise

MOHELA is committed to giving our customers a first-rate experience. To aid in repaying your student loans, we promise to listen, offer customized solutions to meet your specific needs and provide superior guidance as your dedicated resource expert.


Communication About Your Student Loans

Based on where you are in the student loan life cycle (in school, in grace or in repayment), we will share important information including any actions you may need to take. Learn about steps in Federal Direct Loan life cycle.

Sign up for paperless communications to receive bills, letters, forms, and other correspondence in your online inbox instead of receiving them by mail. We will send you an email when you have new deliveries ready to view online.


Manage Your Account

This is a great way to stay up to date with your student loans. Once registered, you will have access to many account management features. Please allow 24-48 hours to register after you received notification from Federal Student Aid assigning us as your servicer.

  • Review loan details (balance, accrued interest, etc.)

  • Make payments

  • Keep contact information up to date

  • Enroll in and manage notifications

  • Sign up for paperless correspondence to see your account correspondence faster. Receive an email when correspondence is sent to your online inbox instead of receiving by mail.

  • Communicate by secure message with MOHELA customer service

  • Upload forms, documentation, and applications for processing

  • Visit our online Info Center to learn about your student loan resources and repayment benefits

  • Visit your App Store to download the MOHELA Android or iOS Apps, where you can view account details and make payments to specific loans.


Register now for your online account!

Visit your App Store to download the MOHELA Android or iOS Apps, where you can view account details and make payments to specific loans.

Payments and Paying Down Interest - While you don't have to make payments on your loans while you are in school (attending at least half time), you always have the option to make payments towards your student loans which includes paying towards interest for any unsubsidized loans – this can save you money.

We Are Here for You - We are here to process your payments, process enrollment information received from your school, answer your questions and assist you with repayment strategies.

Communication - We'll send you information via mail or email when you need to know the latest about your loans. Please make sure to keep your mail and email addresses up to date at mohela.com.

Helpful Tips - Create a budget, seek scholarships/grants/work-study options, and reapply for needed aid to finish your higher education by completing the FAFSA annually.

Know About Your Loans - Never borrow more financial aid than you can afford to pay back. Visit StudentAid.gov to Complete an Annual Student Loan Acknowledgment each year you accept a new federal student loan. The goal is to help you understand how your loans affect your financial future. If this is your first time accepting a federal student loan, you will be acknowledging that you understand your responsibility to repay your loan. If you have existing federal student loans, you will be acknowledging that you understand how much you owe and how much more you can borrow.

Thinking About Leaving School Early/Dropping Classes - If you leave school or drop below half-time enrollment status, you will enter into a six-month grace period (for Stafford Loans) or into a post enrollment deferment (for graduate and professional students with GradPLUS loans) before beginning repayment of your loans—and MOHELA will be here to assist you.

Entering Grace - If you leave school or drop below half-time enrollment status, you will enter into a six-month grace period (for Stafford Loans) or into a post enrollment deferment (for graduate and professional students with GradPLUS loans) before beginning repayment of your loans—and MOHELA will be here to assist you.

Select Your Repayment Plan - This is the perfect time to review your repayment strategy and select a repayment plan to meet your goals. Log in to StudentAid.gov to find the best repayment strategy.

Payments and Paying Down Interest - While you don't have to make payments on your loans while you are in grace or deferment, you always have the option to make payments towards your student loans which includes paying towards interest for any unsubsidized loans – this can save you money.

Going Back to School - If during the six-month grace period, you begin attending an eligible school at least half-time, you will retain your full six-month grace period.

Communication - We'll send you information via mail or email so please make sure to keep your mail and email addresses up to date at mohela.com. Approximately 60 days before the grace period ends, we will calculate your repayment terms and provide you with a schedule showing the repayment plan, when payments are due and the monthly payment amount. If this payment amount is not affordable, other payment options may be available. To estimate your monthly payment amount and explore payment plans, log into studentaid.gov and use the Loan Simulator. Your first billing statement will be sent approximately 21-25 days prior to your due date.

Critical Steps -

  1. Create/Log In to your mohela.com account and review and update your information.

  2. Watch for important mail/emails from MOHELA and consider Paperless Delivery.

  3. Analyze your budget.

  4. Review your repayment plans and select one that meets your needs and goals.

  5. Sign up for Auto-Debit to have your payments automatically withdrawn from your banking institution each month – never be late and you may be eligible for a 0.25% interest rate reduction!

  6. Visit your App Store to download the MOHELA Android or iOS Apps, where you can view account details and make payments to specific loans.

  7. Make your first payment!


We are here to help you navigate your repayment strategies!

Communication - We'll send you information via mail or email so please make sure to keep your mail and email addresses up to date at mohela.com.

Billing Statements - We will send these approximately 21-25 days prior to your due date. If your due date does not work you can request to change your due date to be within the 1st-28th of the month.

Repayment Plan - If the payment amount under your repayment plan does not fit your budget, you may be eligible for a different repayment plan. Visit StudentAid.gov for more information.

Ways to Pay - You may pay by using any of the following methods:

  • Enroll in MOHELA’s Auto Debit Program to have automatic payments electronically debited from your bank account. Learn more about Auto Debit.

  • Make a one-time payment on mohela.com

  • Use our automated phone system at 888.866.4352 (Toll Free) or 636.532.0600 (International)

  • Use your financial institution’s online bill pay service or other bill pay service provider

  • Mail a check or money order addressed to MOHELA, including your 10-digit Account Number. Your payment address may be different based upon your specific account information. Please log in for your payment address. Note that this payment method takes the longest for your payment to process.


All payments must be drawn on U.S. financial institutions and in U.S. currency.

Manage Your Loans 24/7 - Visit your App Store to download the MOHELA Android or iOS Apps, where you can view account details and make payments to specific loans. Call 888.866.4352 to get account information and make payments using the automated system. Log In to mohela.com or StudentAid.gov.

A Direct PLUS loan enters repayment on the date the final disbursement of the loan is made. If during the Direct Plus Loan application process you elected to defer repayment while your student is in school, the loan will be placed on a Parent PLUS Deferment that will end on the date the student ceases to be enrolled at least half-time. Also, if you elected to defer repayment until six months after your student is no longer enrolled at least half-time, a Post-Enrollment Deferment will begin on the date the student ceases to be enrolled at least half-time and will end six months after that date. During the deferment period, you will not be required to make any payments.

If you did not elect to defer payment when applying for your Direct Plus loans, you may request a Parent PLUS Deferment while your child is enrolled at least half-time and you will not need to make payments. You may also request a Post-Enrollment Deferment for an additional six months after your child graduates, leaves school, or drops below half-time enrollment. To request these deferments, complete and return the Parent Plus Deferment form. Each school may define half-time differently. If you are unsure and need to determine the student’s enrollment status, please contact the school.

Qualified Loans for Deferment - To qualify for the Parent Plus Deferment you must be a parent borrower of a Direct or Federal PLUS Loan that was first disbursed on or after July 1, 2008 and the student on whose behalf you borrowed the PLUS Loan must be enrolled at least half-time.

Payments and Paying Down Interest - While you don't have to make payments on your loans after each loan is disbursed and during period of loan deferment, you always have the option to make payments towards your student loans which includes paying towards interest for any unsubsidized loans – this can save you money.

Interest - During any period when you are not required to make payments, interest will accrue on your loan. You may choose to pay the accrued interest or allow the interest to be capitalized (added to your loan principal balance) when you have to start making payments.

Repayment - If you do not request a deferment or your deferment has ended, you are expected to begin making payments after the loan is fully disbursed (paid out). Approximately 30-60 days prior to your first payment due, we will calculate your repayment terms and provide you with a schedule showing the repayment plan, when payments are due and the monthly payment amount. If this payment amount is not affordable, other payment options may be available. To estimate your monthly payment amount and explore payment plans, log into studentaid.gov and use the Loan Simulator.

Billing Statements - We will send these approximately 21-25 days prior to your due date. If your due date does not work you can request to change your due date to be within the 1st-28th of the month.

Repayment Plan - If the payment amount under your repayment plan does not fit your budget, you may be eligible for a different repayment plan. Visit StudentAid.gov for more information.

Ways to Pay - You may pay by using any of the following methods:

  • Make a one-time payment on mohela.com

  • Use our automated phone system at 888.866.4352 (Toll Free) or 636.532.0600 (International)

  • Use your financial institution’s online bill pay service or other bill pay service provider

  • Mail a check or money order addressed to MOHELA, including your 10-digit Account Number. Your payment address may be different based upon your specific account information. Please log in for your payment address. Note that this payment method takes the longest for your payment to process.


All payments must be drawn on U.S. financial institutions and in U.S. currency.

Manage Your Loans 24/7 - Visit your App Store to download the MOHELA Android or iOS Apps, where you can view account details and make payments to specific loans. Call 888.866.4352 to get account information and make payments using the automated system. Log In to mohela.com or StudentAid.gov.

Communication - We'll send you information via mail or email so please make sure to keep your mail and email addresses up to date at mohela.com.

Billing Statements - We will send these approximately 21-25 days prior to your due date. If your due date does not work you can request to change your due date to be within the 1st-28th of the month.

Repayment Plan - If the payment amount under your repayment plan does not fit your budget, you may be eligible for a different repayment plan. Visit StudentAid.gov for more information.

Ways to Pay - You may pay by using any of the following methods:

  • Enroll in MOHELA’s Auto Debit Program to have automatic payments electronically debited from your bank account. Learn more about Auto Debit.

  • Make a one-time payment on mohela.com

  • Use our automated phone system at 888.866.4352 (Toll Free) or 636.532.0600 (International)

  • Use your financial institution’s online bill pay service or other bill pay service provider

  • Mail a check or money order addressed to MOHELA, including your 10-digit Account Number. Your payment address may be different based upon your specific account information. Please log in for your payment address. Note that this payment method takes the longest for your payment to process.


All payments must be drawn on U.S. financial institutions and in U.S. currency.

Manage Your Loans 24/7 - Visit your App Store to download the MOHELA Android or iOS Apps, where you can view account details and make payments to specific loans. Call 888.866.4352 to get account information and make payments using the automated system. Log In to mohela.com or StudentAid.gov.

Current Disbursements - If you anticipate your school will receive additional loan disbursements to pay for college, or you anticipate receiving funds to pay for other expenses about which you have questions, please contact your school. MOHELA receives information about all of your disbursements for servicing once disbursements are made to the school.

Applying for Future Aid - The most vital step in applying for financial aid is completing the Free Application for Federal Student Aid (FAFSA) form. The form applies to a single academic year and must be submitted each year.

Annual Student Loan Acknowledgment - When you have existing federal student loans, it is important to understand how much you owe, how much more you can borrow, and how your loans affect your financial future. Complete an Annual Student Loan Acknowledgment each year you accept a new federal student loan.

Keep your contact information up to date so we can reach you with important information. Also, keep an eye on your email for important account updates. To ensure delivery to your email inbox, please add mohela@mohela.com and info@mohela.com to your address book.

Direct Subsidized and Unsubsidized Stafford Loans

Unless instructed otherwise, if you make a payment within 120 days of when a loan is disbursed (sent to your school), the amount will be applied directly to your original principal balance. These payments are considered a partial or full cancellation of the loan. This will reduce the total amount you owe and benefits you by possibly reducing any outstanding accrued interest and fees originally assessed at the time of disbursement.

If you would prefer, you can instruct us to have the payment applied as a standard payment instead by submitting your request in writing or by sending a Secure Message.

Note: Transactions applied as a cancellation of the loan reflect differently on your payment history. The posted date is the date the payment posts to your account. The effective date is backdated to the date the loan was disbursed.


PLUS Loans

Unless instructed otherwise, until your loan is fully disbursed and enters repayment, if you make a payment within 120 days of when a loan is disbursed (sent to your school), the amount paid will be applied directly to your original principal balance. These payments are considered a partial or full cancellation of the loan. This will reduce the total amount you owe and benefits you by possibly reducing any outstanding accrued interest and fees originally assessed at the time of disbursement.

If before your loan is fully disbursed and enters repayment you would prefer to have the payment applied as a standard payment instead, you can submit your request for this in writing or by sending a Secure Message.

Once fully disbursed your loan enters repayment and payments will be applied as a standard payment.

If after your loan is fully disbursed and enters repayment you would prefer to have a payment made within 120 days of the final disbursement applied as a cancellation, you can submit your request for this in writing or by sending a Secure Message. Keep in mind that cancellation payments do not pay bills. To prevent yourself from becoming past due, make standard payments for any required monthly payments that are due.

Note: Transactions applied as a cancellation of the loan reflect differently on your payment history. The posted date is the date the payment posts to your account. The effective date is backdated to the date the loan was disbursed.

Avoid Student Loan Scams

You never have to pay for help with your federal financial aid or student loans. Learn more about how to avoid scams and understand which companies and claims are legitimate.


Track All of Your Loans

Monitor the status of all of your loans (ones serviced by MOHELA and other Federal Student Loan providers) by logging into your Federal Student Aid account.


Additional Information

Repayment Options

Your repayment options differ depending on the type of loan. Explore and estimate repayment options using FSA's Loan Simulator.

Serving in the Military

We appreciate the service you have provided to our country. There may be special military benefits available.

Teacher or Work for the Government or Not-For-Profit Organization

You may be able to receive forgiveness for part or all of your loans after meeting certain conditions.