Important Announcement

A federal court issued an injunction preventing the U.S. Department of Education from implementing parts of the Saving on a Valuable Education (SAVE) Plan and other IDR plans. Note: Eligible borrowers may now enroll in PAYE and ICR Plans. Please check StudentAid.gov/saveaction for more information.

Alert

SAVE Plan Updates

Emails were recently sent by the U.S. Department of Education outlining activities that are occurring on your accounts. Activities to extend SAVE Plan recertification dates and forbearances are still pending implementation and MOHELA will notify you once they are complete. Please watch for more information.

Borrowers interested in earning PSLF and/or income-driven repayment credit and who meet the eligibility criteria can enroll in IDR plans other than SAVE. To learn more, visit studentaid.gov/loan-simulator.

Public Service Loan Forgiveness (PSLF) Buyback

Due to changes in PSLF regulations, you can now buy back certain months of your payment history to make them qualifying payments for PSLF. Specifically, you can buy back months that don’t count as qualifying payments because you were in an ineligible deferment or forbearance status.

You can buy back these months only if you still have an outstanding balance on your loan(s), you have approved qualifying employment for these same months, and buying back these months will complete your total of 120 qualifying PSLF payments.

Please note: The PSLF buyback program is managed by the U.S. Department of Education, not your loan servicer. To learn more about next steps, and general information on the program, visit Studentaid.gov/PSLFbuyback.

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Official Servicer of Federal Student Aid

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Get to Know MOHELA

Welcome to MOHELA – the Missouri Higher Education Loan Authority – committed to excellent student loan servicing. Whether you are a student planning for college, a parent supporting your child's educational journey, or a borrower managing student loan repayment, MOHELA is here to guide you along your repayment journey.

Who We Are: MOHELA was established by the Missouri General Assembly in 1981, to assure access to higher education for students in the state or Missouri. MOHELA has over 40 years of experience in the student loan servicing industry. Our dedicated customer service team can help you manage your loans - answer any account questions, help you explore your benefits and repayment options, and process your payments.

Our Mission: At MOHELA, our commitment is to serve customers by helping ease the burden of financing higher education, by assisting in student loan repayment, and as a resource in answering your questions.

Services We Offer:

Make Payments: Easily manage your payments through our secure platform, providing a convenient way to stay on top of your financial obligations. MOHELA offers several online tools to manage your account.
Change Repayment Plans: Explore flexible repayment options aligned with your evolving financial situation.
Explore Options: Navigate various choices for loan management, from deferment and forbearance, to forgiveness programs.
Get Help: Whether you have questions, need assistance with your account, or require guidance on financial matters, our dedicated support team is here to assist you at every step.

We know student loans are often one of graduates' first significant financial obligations. As your student loan servicer, we are here to help answer any questions you may have, explore your benefits and repayment options, and process payments on your behalf. At MOHELA - we are here to help!

Check out our 2023 Year-in-Review! MOHELA is dedicated to helping borrowers navigate their student loans.

A visual graphic depicting a '2023 Year in Review' that shows how MOHELA helps borrowers navigate repayment of their student loans. The image features several columns that depict total number of loan servicing and payment requests that were processed on behalf of borrowers; web visits for payment resources and tools; and borrower customer service calls facilitated over the one-year period. The graphic also depicts how MOHELA gives back to support the student community, including through contributions to support student scholarships and grants, as well as community educational efforts for counselors on FAFSA and college tuition.