How Students can MOHELA Login to make Loan Payments -Steps by Step Guide

Students get a grace time before or after their graduation to find out which company is their service provider for the loans. Students who find out that MOHELA is their loan servicer they get stuck on the step to MOHELA login because of the improper information about the MOHELA Login process. MOHELA is a loan service provider for students; students can use MOHELA to log in by just visiting the official website of MOHELA and giving their credentials. They can easily log in and, process their loans and complete their payments by following some very simple steps.

In this guide, we will discuss the MOHELA login and how to create an account, log in, and how to get your loan payments done.

Introduction to MOHELA

MOHELA is an educational contracts department that provides around nine different loan servicers exclusively for students. They provide online customer services and collect federal student loans. One of the most important things is that you should be aware of who your loan servicer is in order to change your loan and payment plan. The platform provides almost 20% of federal student loans.

They have online portals and provide online customer service, but they have their onsite offices in Missouri, Columbia, DC, and Washington. They have been providing loan service for almost over 40 years with the highest rating of A+ with Better Business Bureau, but according to the customer review, their rating is 1 out of 5 which is quite disappointing.

Steps to Follow for MOHELA Login

You can easily MOHELA login by following the simple steps given below.

  • Open your browser.
  • Search for MOHELA login in the search bar.
  • Go to the official webpage of MOHELA accounts.
  • A MOHELA login page will appear on your screen.
  • Enter your Username and correct password.
  • Click on the login button.
  • If your Username or password is correct, you will be logged in.
  • If you have forgotten your Username or password, then you can recover them by clicking on the options of “Forgot User Name” and “Forgot Password”.

Steps to Create a MOHELA Account

There are four steps to go through to create your account for MOHELA loans, which are Account, Security, Paperless and Complete. Follow this guide step by step to create your account.

  • Open your browser and go to the official website of MOHELA.
  • Click on the Register button to create your account.
Steps to Create a MOHELA Account
  • Enter your Social Security Number.
  • Enter your exact Date of Birth.
  • Give your Last Name.
  • Create a username for your MOHELA loans account.
  • Your Username should be between 8 to 50 characters, like letters, numbers, @. – _ ! $ # * &
  • Create a strong and unique password for your account.

  • Confirm your password and create some hints for your password in order to recall it if you ever forget it.
  • A notice will appear on your screen; read it carefully.
  • To agree to this notice, click on the checkbox and click the Continue button.

Methods to Pay MOHELA Loans

Mohela provides multiple methods to pay so that the students do not face any difficulty while making their payments.

  • You can enroll yourself in the MOHELA Auto Debit program so that your payments can be done automatically by your bank account electronically debit.
  • You can go to and make a one-time payment there.
  • You can use their toll free number to make your payment. The toll free automated number is 888.866.4352, and the international number is 636.532.0600.
  • You can use your financial or other bill pay service providers to get your payments done.
  • Use your 10 digit MOHELA account number to mail a money check or money order to MOHELA. (this is the longest payment process)
  • Your payments must be in US currency, and they must be drawn to the US financial institutes.
  • To reach the MOHELA operators you can reach them on timing of 7 a.m. to 9 p.m. CT Monday through Thursday and 7 a.m. to 5 p.m. CT Friday.

MOHELA Repayment Plan Options

For students, MOHELA provides three repayment plans for the students; you can qualify for any repayment plan that suits you.

1 – Standard Repayment

The standard repayment plan includes 120 payments of the same amount that have to be paid within 10 years of the loan.

2 – Graduated Repayment

The graduated payment plan consists of payments which might be low in quantity in the beginning but it will increase with time. This reimbursement plan is designed in a way that your revenue is expected to increase with time, so that you have to repay a larger quantity as time passes with the aid of.

3 – Extended Repayment

In extented repayment, they gives the long time period but you have to pay extra interest. You can repay after 20 to 25 years and have the choice to back lower repayment amount.

Income-Driven Repayment Plans

Repayment terms and conditions can be altered and extended if you get yourself qualified for Income driven repayment plans. They are based on your monthly income, your family size, and the type of student loans you have got. Some Income-driven repayment plans are given below.

  • (REPAYE) Revised Pay-As-You-Earn
  •  (IBR) Income-Based Repayment
  • (ICR) Income-Contingent Repayment
  • (PAYE) Pay As You Earn
  • (ISR) Income-Sensitive Repayment

Read also: How To Login GTA Portal Walmart?


MOHELA is an educational contracts department that provides around nine different loan servicers exclusively for students. They provide online customer services and collect federal student loans. This is a loan service provider for students, students can MOHELA login by just visiting the official website of MOHELA and by giving their credentials. We hope this guide was helpful for you and you enjoyed reading it.

Faisal Iqball

Faisal Saim is professional writer and content strategist with over 03 years of experience in the industry. specializes in creating engaging and informative content for businesses and individuals across a variety of niches, from Technology and Travelling to Health and finance. Saim writing has been published on numerous platforms.

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