Contact Us

  Saving on a Valuable Education (SAVE) Repayment Plan (formerly the REPAYE Plan)

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.

Cosigners and Co-borrowers may view account information, change their contact information and make payments through our website. Other functions may be limited.

Phone and Hours

Direct Loan (DL) / Federal Family Education Loan (FFEL) Servicing:
888.866.4352 (Toll Free)
636.532.0600 (International)
TTY: Dial 711
1.866.222.7060 (Toll Free)
636.787.2790 (International)

Public Service Loan Forgiveness:
855.265.4038 (Toll Free)

Direct Loan (DL) / Federal Family Education Loan (FFEL) Servicing & Public Service Loan Forgiveness (PSLF) Information:

Hours of Operation:
Monday: 7 AM – 8 PM CT
Tuesday - Wednesday: 7 AM – 7 PM CT
Thursday - Friday: 7 AM – 5 PM CT

CASHLoan Servicing:
888.866.4352 (Toll Free)
Monday - Thursday: 7 AM – 9 PM CT
Friday: 7 AM – 5 PM CT

Payment and automated account information is also available 24/7. Your Social Security Number or Account Number will be required by our automated phone line.


Request for Assistance

633 Spirit Drive
Chesterfield, MO 63005-1243

Do not submit payments to this address.

For fastest processing of documents, consider uploading when possible.


Payment address may be different based upon account information. Log in or call for your payment address. For convenience, you may also pay online or by phone.

Mail William D. Ford Direct Loan Program payments to:

Department of Education - MOHELA
P.O. Box 790233
St. Louis, MO 63179-0233

Please make checks payable to MOHELA and include your 10 digit Account Number.

Mail FFELP/CASH Loan payments to:

P.O. BOX 1022
Chesterfield, MO 63006-1022

Please make checks payable to MOHELA and include your 10 digit Account Number.