Welcome to MOHELA

If you recently received notification from your current federal student loan servicer that your loans will be transferring to MOHELA, welcome to MOHELA! Please refer to the following transfer information. You can also find general information about how loan transfers work from Federal Student Aid.

The U.S. Department of Education (ED) has transferred the customer service of your federal student loan account from your current federal student loan servicer to MOHELA, another member of ED’s federal loan servicer team. Your loans were not sold. ED will continue to own your loans; however, MOHELA will manage your loans and assist you on ED’s behalf as your federal student loan servicer. This change in servicer will not impact the existing terms, conditions, interest rate or available repayment plans of your federal student loans.

Your full account details should be available no later than 10 business days after the loan transfer date included in the transfer notification sent from your current federal student loan servicer.

Now is the time to:


Watch for more information when the transfer is complete. We look forward to providing you with excellent service!


See where your loans are in the transfer process.



What to Expect for Before, During, and After the Transfer


Your prior servicer will send you a transfer notice before the transfer occurs.

This is typically sent 15 days prior to the transfer date. The notice includes a Q&A and the future effective date of the transfer.

Transfers are sent to MOHELA on the effective date.

Please allow approximately 10 business days after the effective date for the transfer to complete.

All documents received by your prior loan servicer that have not been processed are sent to MOHELA for processing.

Generally, documents are processed within 30 days after the transfer effective date.

All payments received by your prior servicer that haven’t been posted to your account before transfer are sent to MOHELA for processing.

Payments are generally processed within 30 business days of the transfer effective date and are effective as of the date your prior servicer received the payment.




What is happening on MOHELA’s end?

Transfer information is received by MOHELA on the effective date.

Please allow approximately 10 business days after the effective date for the transfer to complete.

Account details will not be available until after the transfer is complete. Keep in mind, PSLF information may take additional time to become available.

A welcome notification is sent to you after the transfer process is complete.

This occurs approximately 10 business days after the transfer is received. The notification will include a Q&A and loan information.

Create a web account.

When the transfer is complete, you’re ready to create your MOHELA.com User Name/Password.

Account details will not be available online until after the transfer is complete. Keep in mind, PSLF information may take additional time to become available.

MOHELA has your full loan details available.

Please allow 2-3 business days after the welcome notification has been sent to you for your full loan details to become available.

MOHELA processes payments and documents sent over from your prior federal student loan servicer.

Everything is generally processed within 30 business days. Payments will be made effective as of the date your prior servicer received the payment.

Welcome to MOHELA!

The transfer process is complete.




Actions You Should Take

Contact Information


Begin using MOHELA's contact information for correspondence, payments, and customer service.

Payments


Begin using MOHELA's payment address, your MOHELA account number, and payment methods to direct your payments to MOHELA.

Remember to update bank or bill pay services with the new information to prevent posting delays.

Account Access


Create a User Name/Password and sign up for Paperless Delivery (eCorr) and other services as they become available to you on mohela.com


FAQs

The contact information for MOHELA is as follows:

Send Payment To:

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

All payments must be drawn in U.S. currency on U.S. financial institutions or TD Bank.


Phone: 888.866.4352 (toll-free)
TDD: Dial 711

Public Service Loan Forgiveness: 855.265.4038 (Toll Free)


Customer Service Hours (CT):
Monday: 7 AM - 8 PM CT
Tuesday - Wednesday: 7 AM - 7 PM CT
Thursday - Friday: 7 AM - 5 PM CT

Automated Account Information 24/7


Send All Correspondence To:

MOHELA
633 Spirit Drive
Chesterfield, MO 63005-1243

Please include your account # on all correspondence


Fax: 1.866.222.7060 (toll-free)


Online Account Access: 24/7 at mohela.com
Create a new User Name and password today!


Go Paperless: Sign up on mohela.com to receive your account information online.


Military Benefits: Once your loans have been fully transferred, contact our team of Servicemember and Veteran Liaisons at 855.278.3619 or visit mohela.com/military for more information about the benefits from the U.S. Department of Education and the U.S. Department of Defense.


MOHELA will contact you when your federal student loan account has been transferred and loaded to our system. If you have any questions, please visit mohela.com or contact customer service.


You may. MOHELA assigned a federal student loan account number to you which may be the same as you had with your prior servicer. The account number is included the Welcome letter you will be sent after your account is fully transferred. The account number is also available after you log into mohela.com.


Yes. After your loan transfer begins, create a user name and password to begin managing your student loan account 24/7. Update your contact information, make payments and enroll in Auto Debit, paperless correspondence delivery, download the MOHELA app, and enroll in text and email notifications.

Once the transfer is complete, please allow 3-4 business days for all of your billing and Auto Debit information to be available on mohela.com.


If you are making payments, immediately begin using MOHELA’s contact information to make payments. We will also let you know when payments will be due. Please make sure your contact information is up-to-date on mohela.com so we can send you important information.


If you made your federal student loan payment directly to your prior federal student loan servicer that was not yet posted to your loans prior to the transfer, these payments will be forwarded to MOHELA within the next 30-90 days and we will post the payment to your loans with the effective date that the payment was made to your prior federal student loan servicer. Please immediately begin using MOHELA’s contact information to make payments to avoid payment posting delays.


You’ll need to provide your bank or bill paying service with the following information for MOHELA:

  • Department of Education MOHELA

  • PO Box 790233, St. Louis, MO 63179-0233

  • New MOHELA Account Number


It’s very important to provide the updated name, payment address, and account to your bank or bill paying service immediately once the transfer is complete. If you don’t make these updates, the bank or bill paying service will send your payments to the wrong servicer, and there will be a delay in your account being credited.


Yes. If you are enrolled in Auto Debit, your information will be transferred to MOHELA and automatic payments will resume with MOHELA. If something changes, MOHELA will notify you. You can also log in to mohela.com to manage your Auto Debit.

Once the transfer is complete, please allow 3-4 business days for all of your billing and Auto Debit information to be available on mohela.com.


Now that we are servicing your federal student loans, you may see some changes on your credit report. Within approximately 90 days, your old federal student loans will now be reported by us.


No action is necessary. Any form/application already processed or pending to be processed will be forwarded to MOHELA within the next 30 days after the transfer is complete. After the transfer, please immediately begin using MOHELA’s contact information for correspondence.


The status of your loans should remain the same unless we are notified of a change.


Yes. The payment pause and 0% interest rate will remain active through the end of the payment pause.


You never have to pay for help! If you have questions or need help with your student loans, contact us for free help. Learn to avoid student aid scams at StudentAid.gov/scams.


Tax information is available by January 31st for the prior year of student loan interest paid toward your Federal Loans. However, if your account was transferred to MOHELA during the previous tax year, please contact your previous servicer for the interest paid to them prior to MOHELA servicing your loan(s).

The federal tax ID for your student loans owned by the U.S. Department of Education is 52-1198289.