Important Announcement

A federal court issued an injunction preventing the U.S. Department of Education from implementing the Saving on a Valuable Education (SAVE) Plan and parts of other income-driven repayment (IDR) plans.

Important Updates

Saving on a Valuable Education (SAVE) Plan Recertification Dates Extended

If you're enrolled in the SAVE Plan, there's good news. MOHELA, following guidance from the U.S. Department of Education, has extended your deadline to recertify your income-driven repayment (IDR) plan. No action is needed. Watch for communication on your new recertification date.

For the latest information on the SAVE Plan, visit StudentAid.gov/save.

Income-Driven Repayment (IDR) processing

A federal court issued an injunction changed how ED can implement certain parts of IDR plans. Because of these changes, the U.S. Department of Education has instructed federal student loan servicers to deny IDR applications where "lowest monthly payment" was selected, more than one IDR plan was selected, or an IDR plan was not selected. Visit Studentaid.gov/loan-simulator to review your options and apply for an eligible repayment plan.

Saving On A Valuable Education (SAVE) Plan Administrative Forbearance

In July 2024, a federal court injunction blocked parts of the SAVE Plan. As a result, eligible federal student loans were placed in forbearance with a 0% interest rate. During this forbearance interest had not accrued; therefore, loan balances (including principal and interest) have not increased during this forbearance. You will not have to make payments until the SAVE forbearance ends. In February 2025, a second federal court injunction ended the SAVE 0% interest rate. To comply with this injunction, loan(s) in the SAVE Administrative Forbearance began accruing interest on August 1, 2025.

You can view your interest rate, outstanding interest amount, or make payment toward interest via your online account. For more information, view our FAQs!

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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 or 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.

Services We Offer:

  • Make 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 2023 Year-in-Review! MOHELA is dedicated to helping borrowers navigate their student loans.

A visual graphic depicting a '2023 Year in Review' that shows how MOHELA helps borrowers navigate repayment of their student loans. The image features several columns that depict total number of loan servicing and payment requests that were processed on behalf of borrowers; web visits for payment resources and tools; and borrower customer service calls facilitated over the one-year period. The graphic also depicts how MOHELA gives back to support the student community, including through contributions to support student scholarships and grants, as well as community educational efforts for counselors on FAFSA and college tuition.