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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Important Announcements Contact Us

Payment Methods

There are several options for borrowers and endorsers to make payments. See below for details. Please allow for two to four business days for your payment to be processed and posted to your account. It may take an additional day to post during a holiday.

Auto Pay

Enroll in Auto Pay to have your monthly payments electronically debited from your bank account. You could also receive an interest rate discount. Learn more about the Auto Pay interest rate reduction or sign up now).

Please be advised, per Section 2 of the Auto Pay Authorization Agreement, MOHELA is not able to apply an additional withdrawal amount (more than your monthly payment amount) on your behalf. To apply an additional withdrawal amount, you will need to edit your agreement through your online account. After logging in, select "Payments and Billing" from the top menu. Then, select "Auto Pay", enter your desired Requested Auto Pay Amount for each loan, select "Preview", and then "Submit". Any additional withdrawal amount applied to your Auto Pay Agreement will continue to be withdrawn until you notify us to make a change.

Good to know – Borrowers and Endorsers can enroll in Auto Pay via their online account.

One-Time, Online Payment

Make a one-time payment, online, anytime. Log in to your account.

Good to know - If you are an endorser on multiple loans, or you are the primary borrower on a loan(s), you can choose how to allocate your payment across the loans.

Automated Phone System

Use our automated phone system to make a payment when it's convenient for you, 24/7.

1-888-866-4352 (Toll Free) or 636-532-0600 (International)

If paying with a debit card, payment will only be accepted from the card holder of the debit card being used to submit the payment. If your name is not listed on the card, you will not be able to submit the payment.

One-Time Payment over the Phone

Call and speak with a Student Loan Counselor to make a payment over the phone.

1-888-866-4352 (Toll Free) or 636-532-0600 (International)

Check our hours of operation.

If paying with a debit card, payment will only be accepted from the card holder of the debit card being used to submit the payment. If your name is not listed on the card, you will not be able to submit the payment.

Bill Pay Service

Use a bill pay service, such as through your financial institution.

Good to know - When using a bill pay service, you will need your account number and MOHELA's payment mailing address.

Department of Education - MOHELA
PO Box 790453
St. Louis, MO 63179-0453

Mail a Check or Money Order

Make the check or money order payable to MOHELA. Remember to include your MOHELA account number.

Mail to:

Department of Education - MOHELA
PO Box 790453
St. Louis, MO 63179-0453

Good to know - This payment method takes the longest amount of time for your payment to be processed. Do Not Send Cash.

All payments must be drawn on U.S. financial institutions and in U.S. currency.