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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MOHELA Security Information

MOHELA takes security and privacy very seriously. We realize that your data is valuable and we take appropriate steps to protect that data. To protect our borrowers, we have invested in the latest technology; including Web Application and Next Generation Firewalls as well as an industry leading Security Information Event Management Dashboard. We promise to continue to invest in technology and staff to keep your information secure.

When you login to mohela.studentaid.gov make sure your address bar has green text which shows "Missouri Higher Education Loan Authority (Mohela)[US]". We invest in an extended validation certificate to ensure our customers know they are going to the secure MOHELA website.

Learn more about Extended Validation Certification  this link will open in a new window .

You will notice that if you try to login to your account from a computer not previously authorized, you will be presented with a challenge question (e.g. "What is the name of your first pet?"). We do this to make your account more secure so if a person obtains your password they will also have to know the answer to your security question to get into your online account. This is a standard practice for financial websites.

DNS is an essential tool for browsing the internet that is transparent to most people. However, under its normal implementation, DNS is not sufficiently secure. To mitigate this risk, MOHELA has deployed an enhanced version of DNS, known as DNSSEC, to protect our site from third party web spoofing and to give users assurance that they will always connect to the real mohela.studentaid.gov website.

Learn more about DNSSEC  this link will open in a new window .

MOHELA monitors systems internally and externally (when applicable) from an availability as well as a security perspective. We use multiple systems to ensure that systems are performing as expected and their integrity is maintained.

During the course of a year, MOHELA goes through multiple private and government audits which include our physical presence and information systems. This includes ongoing SSAE-18 assessments which show we have appropriate physical, logical, and process controls in place which were audited by a third party.

In response to security vulnerabilities identified in 2014, MOHELA has disabled the use of the older Secure Sockets Layer v3 protocol and requires the use of Transport Layer Security (TLS) for end user connections. This primarily impacts old browser versions, such as Internet Explorer 7 from Microsoft.

MOHELA will no longer support TLS 1.1 beginning December 15, 2016. We will continue to support TLS 1.2, which is supported by newer browsers including:

  • Google Chrome - 30 and above

  • Mozilla Firefox - 27 and above

  • Microsoft Edge - all versions

  • Apple Safari - 7 and above

  • Apple Safari (Mobile) - iOS 5+

If you use an older browser, mohela.studentaid.gov may not function properly after the update. Please consider upgrading to a newer browser.

To determine which browser you are using, you can use a site like www.whatsmybrowser.org  this link will open in a new window .