Payment Methods

MOHELA offers several options to make payments.

Enroll in Auto Pay to have your monthly payments electronically debited from your bank account. You could also receive a 0.25% interest rate discount. Learn more about Auto Pay interest rate reduction or sign up now.

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

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

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 are not able to submit the payment.

Call to 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 here.

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 are not able to submit the payment.

Use a bill pay service provider, 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.

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

Department of Education - MOHELA
P.O. 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.

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