Contact Us

  Saving on a Valuable Education (SAVE) Repayment Plan (formerly the REPAYE Program)

The SAVE plan provides the lowest monthly payment of any income-driven repayment plan available to nearly all student borrowers. If you were previously participating in the Revised Pay as You Earn (REPAYE) plan, you will automatically be enrolled in the SAVE Plan and your payment recalculated before payments resume, no action is required. If you want to enroll in the SAVE plan and calculate what your estimated monthly payment may be, use Loan Simulator.

Cosigners and Co-borrowers may view account information, change their contact information and make payments through our website. Other functions may be limited.

Phone and Hours

Direct Loan (DL) / Federally-Owned Federal Family Education Loan (FFEL) Servicing:
888.866.4352 (Toll Free)
636.532.0600 (International)
TTY: Dial 711
1.866.222.7060 (Toll Free)
636.787.2790 (International)

Public Service Loan Forgiveness:
855.265.4038 (Toll Free)

Hours of Operation:
Monday: 7 AM – 8 PM CT
Tuesday - Wednesday: 7 AM – 7 PM CT
Thursday - Friday: 7 AM – 5 PM CT

MOHELA Owned Federal Family Education Loan (FFEL) and CASHLoan Servicing:
888.866.4352 (Toll Free)
TTY: Dial 711
1.866.222.7060 (Toll Free)
Monday - Thursday: 7 AM – 9 PM CT
Friday: 7 AM – 5 PM CT

Payment and automated account information is also available 24/7. Your Social Security Number or Account Number will be required by our automated phone line.


Request for Assistance

633 Spirit Drive
Chesterfield, MO 63005-1243

Do not submit payments to this address.

For fastest processing of documents, consider uploading when possible.


DL and Federally-Owned FFEL Program Loans

Please include your account number on all payments and send to:

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

MOHELA-Owned FFEL Program Loans and CASHLoans

Please visit for your payment address.