About Us

New to MOHELA!

With over 40 years in the student loan servicing industry, we have the expertise to help manage your loans – answer any account questions, help you explore your benefits and repayment options and process your payments.

We offer self-service tools and resources to help you navigate through the student loan and repayment process with confidence: make payments, change repayment plans, explore options and get help.

Our Customer Promise

MOHELA is committed to giving our customers a first-rate experience. To aid in repaying your student loans, we promise to listen, offer customized solutions to meet your specific needs and provide superior guidance as your dedicated resource expert.

Frequently Asked Questions

MOHELA is a governmental, non-profit organization dedicated to helping families successfully repay their student loans and is one of the largest student loan servicers in America. With more than 40 years of experience, MOHELA is committed to providing you a first-rate customer experience.

Learn more about MOHELA.

Good news – not much has changed. Here's a quick snapshot of what has stayed the same and what's changed:

Stayed the same What's new

  • Your loan terms, interest rate, and benefits

  • Account number

  • The number you call to ask questions

  • Addresses to mail payments and send correspondence

  • Your user ID and password

  • Your Auto Pay enrollment (if applicable)

  • The website you use to log in to your account

  • Who you work with to manage your account and make payments

Servicing transfers are a normal business practice that happens from time to time. MOHELA is replacing Navient as the servicer of your loans. Please note: MOHELA has not purchased or merged with Navient.

No action is needed. You will continue to receive your communications with MOHELA the same way you did at Navient.

No, your Auto Pay enrollment automatically transferred to MOHELA.

Yes, any repayment plan options available to you and borrower benefits provided in your loan agreement will continue at MOHELA.

The loan owner holds the loan agreement and has the right to collect from the borrower.

A loan servicer handles details on behalf of the loan owner, such as collecting and processing payments and answering questions. As your new loan servicer, MOHELA will work with you on repayment plans and will assist you with other issues related to your student loans.

Continue to use the same address you use to send payments. You'll just need to update who it's addressed to on your check - MOHELA.

Yes. Navient transitioned its student loan servicing to MOHELA (with some rare exceptions, such as defaulted loans).

No. When your loans moved to MOHELA our system was automatically updated.

No, you will not need to complete a new application. The application you previously submitted will be processed as normal.

The interest rate on your loan, whether fixed or variable, is governed by the terms of your loan agreement. The servicer must adhere to those terms when servicing your loan. Interest rates on federal student loans are set by Congress, whereas interest rates on private loans are set by the lender at the time of loan origination.

The interest rate may be variable or fixed for the life of the loan, depending on the terms of your loan agreement.

This is your one-stop shop for managing all of your loans serviced by MOHELA on behalf of Navient. You can access your account information, make payments, and view your loan details in one convenient location.

Please note that if you have loans serviced by MOHELA on behalf of other lenders, such as the Department of Education, you'll need to manage them separately. Each lender has its own website, payment address, and contact information to best cater to your unique needs.