Skip to Main Content

MOHELA Is a Servicer to Federal Student Aid

You have a network of support to help you succeed with your federal student loan repayment. Find out how Federal Student Aid partners with loan servicers to be here when you need help.

Support You Can Trust

You can visit StudentAid.gov to see a list of our trusted federal student loan servicers, all of which are fully vetted.

Education Loan Finance Logo MOHELA Logo
Main Navigation
  •  Make a Payment
  • Contact Us
  • Welcome To MOHELA
  • Documents
  • Create an Account
  • Log In

MOHELA Homepage

Close Account Access Popup 

Secure Login

  Log In Now   Create An Account  Help Logging In

MOHELA is committed to providing Education Loan Finance customers a first-rate customer experience.

News section

News & Announcements

  • Martin Luther King Jr. Day

    Our offices will be open on Monday, January 18. Due to the federal holiday weekend, payments may take up to five days to post to your account.

    This delay will not change the effective date of the payment.

  • Coronavirus Situation

    The health and well-being of our customers, staff, and our community are a top concern during the emerging Coronavirus (COVID-19) situation. MOHELA is committed to keeping our customers informed should any interruption in services occur. Customer service updates will be posted here.

    President Trump recently announced that interest will be waived for all student loans held by Federal Government Agencies. Unfortunately, this does not apply to ELFI private educational loans because they are not held by a Federal Government Agency.

    If you are experiencing difficulty making your payments due to the Coronavirus situation contact us to discuss forbearance options available to temporarily postpone your monthly payment.

  • LIBOR Rate

    The Three Month LIBOR rate is 0.24%, effective January 1, 2021. With any change to the LIBOR rate, variable rate loans will re-amortize and a repayment schedule will be provided that will include your new monthly payment amount, interest rate (margin plus LIBOR), and the effective date of your new monthly payment amount.

Account Notifications

Notifications are available before your bill is due, when your payment posts to your account and if your account becomes past due.

Paperless Management

Enroll to receive correspondence faster through your secure online account. Plus, it helps the environment!

Schedule A Call

We’re here to assist you when it's convenient for you. Schedule a call with a MOHELA Specialist.

Quick Links

Make a payment

Make a Payment

  • Online Payment
  • Payoff
Payment Information

Payment Information

  • Payment History
  • Tax Information
Tools

Tools

  • FAQs
  • Notifications
  • Schedule a Call
Auto Debit

Auto Pay

  • Sign Up for Auto Pay
  • Manage Auto Pay
Forms and Documents

Documents

  • eSign/Download forms
  • Upload documents
  • Status of documents received
Go Paperless

Paperless Documents

  • Subscribe to paperless delivery

Repayment Assistance

A short-term forbearance may be available if you are experiencing unexpected financial hardship, which may include but is not limited to: illness, unplanned job loss or reduction in monthly income, or if your residential or place of business ZIP code is declared as an Individual Assistance zone by FEMA due to a natural disaster. Additional eligibility criteria and requirements may apply. To determine if you qualify, please call.

Important Information: All Repayment Options are approved at the discretion of the lender. An approval or denial notification will be provided by MOHELA. For approved Repayment Options, unpaid accrued interest may be capitalized at the end of any Repayment Option.

Cosigner Release

The Bank does not offer a cosigner release program. You may apply for a new ReFi loan without a cosigner at elfi.com.

Footer

Help & Support

  • Contact Us
  • FAQs
  • Sitemap

About Us

  • New to MOHELA
  • About MOHELA
  • Careers
  • WebMaster

Telephone

855.282.4269 (Toll Free)

Hours

7 AM – 9 PM CT
Monday – Thursday

7 AM – 5 PM CT
Friday

  • Privacy Policy
  • Security
NMLS Resource Center NMLS # 1442770
"Copyright © 2021 Higher Education Loan Authority of the State of Missouri(MOHELA). All Rights Reserved."
4