Important Announcements

Starting on July 1, 2026, the interest rate reduction for borrowers enrolled in auto pay will go from 0.25% to 1%. This reduction is available to borrowers with Direct Loans disbursed on or after July 1st, 2012. Visit StudentAid.gov to learn more and enroll by 11:59 p.m. ET on Sept. 30, 2026, to receive the temporary benefit through June 30, 2028.

On March 10, 2026, a court order ended the Saving on a Valuable Education (SAVE) Plan. The U.S. Department of Education will contact impacted borrowers, who can explore and apply for other repayment plans. For more information, visit StudentAid.gov/courtactions.

On Oct. 30, 2025, the U.S. Department of Education published final Public Service Loan Forgiveness (PSLF) program regulations that will be effective on July 1, 2026. We'll provide updates when the regulations are implemented. For now, there are no impacts to borrowers, payment counts, or discharges.

Visit StudentAid.gov/publicservice for more information about PSLF and current program requirements.

For more information about employer eligibility, visit StudentAid.gov/pslf/employer-search.

To apply for PSLF, use the PSLF Help Tool at StudentAid.gov/pslf.

Important Update

Repayment Plan Changes Starting July 1, 2026: Apply Today!

The newest repayment plans—the Repayment Assistance Plan (RAP) and Tiered Standard Plan—are available effective July 1, 2026. Visit StudentAid.gov/bigupdates to learn more about these new repayment plans and other changes to the federal student aid programs.

Recently received an email from Federal Student Aid about the new RAP and Tiered Standard repayment plans and want to apply? Visit Studentaid.gov/repayment-calculator.

If you've recently submitted an IDR application on Studentaid.gov, you will be notified once your application is processed.

SAVE Plan is Ending

Borrowers who enrolled in or applied for the Saving on a Valuable Education (SAVE) Plan and have loans in forbearance must select a new repayment plan after receiving a notice from MOHELA. No need to call! For a quick and easy path to change plans or explore your options, log in to your Studentaid.gov account, and use the Repayment Calculator. For more information, visit our FAQ page.

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Official Servicer of Federal Student Aid
Important Announcements Contact Us

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 of 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 and providing guidance.

Services We Offer:

  • Manage 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 2024 Year-in-Review! MOHELA is dedicated to helping borrowers navigate their student loans.

Image of MOHELA's 2024 Year in Review. Over 37 million borrower payments processed, over 24 million web visits, and over 3.3 million borrower customer service calls facilitated. Additionally, over $6 million was contributed towards Missouri programs that support student scholarships and grants, and contributed over $11 million in student scholarships, grants, and interest free loans through MOHELA's foundation.