MOHELA Transitioning to a New Online Account Platform

We are transitioning to a new loan servicing platform.
If you are a borrower whose loans are currently serviced by MOHELA, you will still have your student loans serviced by MOHELA after the transition is complete.

In the coming months, we will be reaching out to let borrowers know that their accounts will be transitioning to a new loan servicing platform. As a part of this process, you will receive a notice that indicates you are about to transition to the new platform. You will then be notified by us when the transition is complete and your loans have been loaded to the new loan servicing platform.

Read each notice closely for instructions and additional details about the transition. This change will not impact the existing terms, conditions, interest rates, loan discharge or forgiveness programs, or available repayment plans on your loans.

You will need to complete certain operational tasks as described below. Continue to check this page for ongoing updates.

What You Need to Know

MOHELA will notify you when your account has transitioned. If you attempt to sign in to, you may be redirected to the new platform portal to establish your new online account.

Visit to establish your new account. You will need your Social Security Number (SSN) to access this portal and will be asked to change your password the first time you access it. Once you log in, you will be able to view your new account number. Keep in mind that you will not be able to create an account for the new platform portal until you have been notified that your account has transitioned.

You may have additional 2023 interest paid:

  • If you were serviced by a different servicer in 2023, interest paid toward your qualified education loan prior to being serviced at MOHELA may be reported by your prior servicer.
  • If your MOHELA account transitioned to our new loan servicing system at, we'll send a separate notification for the interest paid after the transition.

Please retain a copy of this Form 1098-E for your records.

If you have questions about how your student loan interest paid amount may affect your taxes, please contact your tax advisor.

Your Actions After the Transition is Complete

To help ensure a smooth transition to our new loan servicing platform, you'll need to do the following:

  • Establish online loan account access at

  • Make any necessary changes to your contact information.

  • If applicable, make the changes necessary to direct your federal student loan payments to MOHELA's new payment address, which can be found on your transition notification letter.

Check Your Transition Status

Our goal is to help you understand where your account is in the transition process.

New Servicing Platform Status Look-up

To confirm your account transition status, we will need your Social Security Number (SSN), last name, and your date of birth.

Required fields are marked with an asterisk (*).

Frequently Asked Questions

1. What is MOHELA's contact information?

You can find our updated contact information for accounts that have transitioned to the new student loan servicing platform at

2. Will I have a new account number on MOHELA's new servicing system?

Yes. MOHELA will assign a new federal student loan account number to you, which will be listed in your transition notification letter.

3. Will MOHELA continue to have online account access?

Yes. After your account has transitioned to the new platform, you will be able to use the new online borrower portal. Visit to create a user ID and password. Once established, you can update your contact information, make payments, enroll in Auto Pay and eDelivery of correspondence, and text and email notifications.

Please allow 3-4 business days from the date listed on your transition notification letter for your billing and Auto Pay information to be available on the new online portal.

4. Will I still be able to use the mobile app after the transition?

The MOHELA mobile app will not be available for your federally-owned loan(s) once your loan(s) transition to the new loan servicing platform. However, a mobile-friendly version of the website will be available.

5. How do I make federal student loan payments to MOHELA on the new platform?

If you are making payments, begin using MOHELA's new contact information to make payments immediately after receiving the transition notification letter. You will be notified regarding when payments will be due. Please make sure your contact information is up to date on to ensure receipt of these important notices.

6. I made a payment before my loan transferred, or during the transfer process. Why hasn’t my payment posted yet?

If you made a federal student loan payment directly to MOHELA, which was not posted to your loan(s) prior to the transition, these payments may be delayed by up to 60-90 days. However, we will post the payment to your loan(s) with the effective date that the payment was made. No action is needed from you, and your credit will not be negatively impacted. Please immediately begin using MOHELA's new servicing portal and new payment address to make payments and avoid payment posting delays.

There is a 14-day transition period where you will not be able to make a payment on the website or by phone. Your transition period begin date can be found on the correspondence that was sent to you, indicating your loan(s) are transitioning to our new system. To make a payment during this 14-day transition period, please mail a check or money order addressed to MOHELA, including your new 10-digit account number, also found on the correspondence, to the following address:

Department of Education - MOHELA
P.O. Box 790453
St. Louis, MO 63179-0453
New MOHELA Account Number

Note: Include your new MOHELA Account Number on the check or money order.

7. If I normally use a bank or bill pay service to make payments, what do I need to do?

 IMPORTANT: If your loan(s) have not transitioned, please do not use this address. You will be notified when your loans have been transitioned to the new system.

You'll need to provide your bank or bill paying service with the following information for MOHELA's new payment address:

Department of Education - MOHELA
P.O. Box 790453
St. Louis, MO 63179-0453
New MOHELA Account Number

Note: It's important to provide the updated payment address and account number to your bank or bill paying service immediately. If you don't make these updates, the bank or bill paying service will send your payments to the wrong address, and there will be a delay in your account being credited, which could cause you to receive past due payment notifications.

8. If I am enrolled in Auto Debit, will the automatic payments continue with MOHELA?

Yes. Auto Debit has a new name on our new platform – Auto Pay. If you are enrolled in Auto Pay, your information will transition to MOHELA's new system and automatic payments will resume with MOHELA. If something changes, MOHELA will notify you. You can also log in to to manage your Auto Pay. Please allow 3-4 business days from the date listed on your transition notification letter for your billing and Auto Pay information to be available on the new online portal.

9. When will the consumer credit reporting agencies be updated with my account information?

MOHELA will notify consumer Credit Reporting Agencies (CRAs) of the transition to MOHELA's new platform within 90 days of the transition date. Loan activity is scheduled to be reported monthly thereafter.

10. I sent MOHELA a form/application, do I need to resend this?

No action is necessary. Any form/application already processed or pending to be processed will be managed by MOHELA following the completion of your account transition.

11. Will the status of my loan(s) change?

The status of your loans will remain the same throughout the transition process unless we are notified of a change to your enrollment status, or a forbearance is needed to prevent delinquency or to maintain billing scheduling, based on the timing of your transition and your payment due date. For example, if your loans were in an In-School Deferment prior to the transition, your loans will remain in an In-School Deferment once the transition has been completed unless MOHELA is notified of a change to your enrollment status.

12. Do I need to pay for help with my student loan benefits?

You never have to pay for help! If you have questions or need help with your student loan(s), contact us for free assistance. Learn to avoid student aid scams at

Federal student loans offer flexible repayment plans, loan consolidation, forgiveness programs, and more. Programs include, but are not limited to, Public Service Loan Forgiveness (PSLF), Teacher Loan Forgiveness, and closed school discharge. Visit to review your options.

We're updating our policies based on changes to the new servicing system. You can view the new Privacy Policy, Terms, eDelivery, and Auto Pay policies at