MOHELA Customer Service
Phone Number & Contact Info
Q:
How do I talk to a live human at MOHELA?
A:Press 1, then 1, then 3, then 3, and then don't say anything and just wait. You can also use our free service that can talk to MOHELA for you and report back. Q:
Does MOHELA offer 24 hour customer service?
A:Not at this number; hours here are Mon 7am-8pm, Tue-Wed 7am-7pm, Thu-Fri 7am–5pm CT. The least busy day is Thursday, and the most busy day is Monday. If the call center is closed, you can schedule a call. Q:
How long will I wait on hold?
A:The average hold time is 3 minutes. The longest hold times are on Tuesday, and the shortest are on Thursday. You can skip the hold time for free. How do I get through the phone menu to a live person?
Consider using our free service that calls and talks to customer service for you, then sends you a report. Or use our free service that waits on hold and tells you when a human rep is on the line. But if those options don't appeal to you, our team has also documented the phone menu for MOHELA below.
Our AI powered phone can dial, navigate the phone menu, wait on hold, and even talk to customer service for you, for free. You don't even need to learn about the path through the various phone options.
That same, free GetHuman Phone can call and navigate the menus and wait on hold for you, but you can opt to do all the talking. We notify you when a rep is on the line and ready to talk, so no need to worry about changing menu options and weaving your way through the maze.
Of course, we completely understand if you prefer to do all the dialing, waiting, and talking yourself. All of these free tools are optional.
GetHuman researchers routinely call this MOHELA phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Press 1, then 1, then 3, then 3, and then don't say anything and just wait.
Below are some clips we've found from MOHELA's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:
Heard when the phone system first answers
"Hello. Thank you for calling Mohila. Due to the unprecedented event of millions of student loan borrowers returning to repayment at the same time.
You may experience longer than normal wait times to speak to a customer service representative.
If you are participating in an income driven repayment IDR plan, and your income or family size has changed, you can ask for a plan recalculation to lower your monthly payment amount.
Visit student aid dot gov forward slash I d r.
To electronically sign and submit a new application.
Alternatively, you can self certify your income and family size through mohela dot com through February twenty ninth twenty twenty four to recalculate your payment.
Can't afford your monthly payment? Consider signing up for the new income driven repayment plan, save, which could lower your payment.
Visit student aid dot gov forward slash save for more information or student aid dot gov forward slash I d r to sign up.
If you're ready to make a payment, visit mohela dot com and log in to your account.
If you have more questions about payments restarting, visit student aid dot gov forward slash restart.
To repeat this message, press one. To hear more information about the Safe plan, formerly the repay plan, press two.
To continue, please stay on the line.
If you are calling with regards to PSLF, please press one.
For all other calls, please stay on the line.
This call may be recorded or monitored.
The most recent year's student loan interest information is not yet available for tax purposes."
Excerpt from a call with MOHELA
Wednesday, January 17, 2024 12:01 AM
They may ask you to say or enter information
"Hello. Thank you for calling Mohila. Due to the unprecedented event of millions of student loan borrowers returning to repayment at the same time, You may experience longer than normal wait times to speak to a customer service representative.
If you are participating in an income driven repayment IDR plan, and your income or family size has changed, you can ask for a plan recalculation to lower your monthly payment amount.
Visit student aid dot gov forward slash I d r to electronically sign and submit a new application.
Can't afford your monthly payment? Consider signing up for the new income driven repayment plan, save, which could lower your payment.
Visit student aid dot gov forward slash save for more information or student aid dot gov forward slash I d r to sign up.
If you're ready to make a payment, visit mohela dot com and log in to your account.
If you have more questions about payments restarting, visit student aid dot gov forward slash restart.
To repeat this message, press one. To hear more information about the save plan, formerly the repay plan, press two.
To continue, please stay on the line.
If you are calling with regards to PSLF, please press one.
For all other calls, please stay on the line.
This call may be recorded or monitored.
Tax information for the most recent year is now available.
Just say tax information from our self-service main menu.
Or visit our website. Using your keypad, please tell me your Social Security number."
Excerpt from a call with MOHELA
Monday, March 4, 2024 3:44 PM
The first phone menu
"Hello. Thank you for calling Mohila.
Due to the unprecedented event of millions of student loan borrowers returning to repayment at the same time, you may experience longer than normal wait times to speak to a customer service representative.
If you are participating in an income driven repayment IDR plan, and your income or family size has changed, you can ask for a plan recalculation to lower your monthly payment amount.
Visit student aid dot gov forward slash I d r to electronically sign and submit a new application.
Can't afford your monthly payment? Consider signing up for the new income driven repayment plan, save, which could lower your payment.
Visit student aid dot gov forward slash save for more information or student aid dot gov forward slash I d r to sign up.
If you're ready to make a payment, visit mohela dot com and log in to your account.
If you have more questions about payments restarting, visit student aid dot gov forward slash restart.
To continue, please stay on the line.
To repeat this message, press one.
To hear more information about the save plan, formerly the repay plan, press two."
Excerpt from a call with MOHELA
Monday, June 3, 2024 10:47 PM
What are the hours and when should I call?
MOHELA operates the call center for this 888-866-4352 phone number Mon 7am-8pm, Tue-Wed 7am-7pm, Thu-Fri 7am–5pm CT. The short answer is that you should call on a Thursday. This observation and the following section are based on analysis of a sample set of 203 calls made in the last 90 days using our free, web-based phone (see above).
When you use our free AI-powered phone to call and talk, wait on hold, or navigate for you, it will automatically wait until the MOHELA call center opens before trying to call. It will ask your permission before it places the call, so you can also further delay that scheduled call until you are ready. But that means you can "set it and forget it" ahead of time.
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this MOHELA phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like MOHELA staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.
The least busy time to call
The least busy day to call MOHELA is Thursday. The most busy day to call is Monday, which averages 130% more phone calls by comparison. Again, this is based on a sample of 203 calls made with our AI-powered, web-based phone in the last 90 days.
- Mon
- Busiest
- Tue
- Wed
- Thu
- Quietest
- Fri
The shortest wait on hold
We measured the shortest hold times to be on Thursday. The longest wait in the queue on average occurs on Tuesday.
The best time to call MOHELA
In summation, the best day to call MOHELA is Thursday. In this case, it's a no-brainer. Thursday is not only the least busy day for calling this MOHELA number, but it is also the day with the shortest hold times.
Why Customers Call MOHELA
If you have time to do a bit of reading before you call MOHELA, we recommend you read over some of our problem-specific articles.
What is MOHELA?
MOHELA stands for the Missouri Higher Education Loan Authority. It is a not-for-profit organization that serves as a loan servicer for student loans. MOHELA works in collaboration with the Department of Education and various colleges and universities to manage and administer federal student loans. They assist borrowers with loan repayment options, processing payments, and managing loan forgiveness programs. In addition to loan servicing, MOHELA also offers resources and tools to help borrowers understand their loans and make informed financial decisions. They prioritize customer service and strive to provide assistance to borrowers throughout the life of their loans. MOHELA's mission is to support students in achieving their educational goals by providing exceptional student loan services.
What services does MOHELA provide?
MOHELA provides various services related to student loans. As a recognized loan servicer, it offers borrowers resources and guidance throughout the entire loan life cycle. One of its key services is loan management, which includes processing and disbursing loan payments, enabling borrowers to conveniently access and track their loans online. MOHELA also assists with repayment plans, helping borrowers choose the most suitable option based on their financial situation. It provides resources for loan consolidation, refinancing, and potential forgiveness programs. Furthermore, MOHELA offers support to borrowers experiencing financial hardship, offering assistance through deferment, forbearance, or alternative payment plans. Its commitment to customer service ensures timely and accurate responses to inquiries, facilitating an efficient and transparent loan management experience for borrowers.
What is the interest rate on MOHELA student loans?
The interest rate on MOHELA student loans varies depending on the specific loan program and the borrower's credit history. For federal student loans, the interest rates are set by the U.S. Department of Education and stay fixed throughout the life of the loan. As of current rates, undergraduate direct subsidized and unsubsidized loans have an interest rate of 2.75%, while graduate direct unsubsidized loans have an interest rate of 4.30%. Parent PLUS loans and graduate PLUS loans have a fixed interest rate of 5.30%. Private student loans offered by MOHELA typically have variable interest rates, which are determined by factors such as the borrower's creditworthiness and market conditions. It is advisable to check MOHELA's website or contact their customer service for the most up-to-date information on interest rates.
Top MOHELA customer service problems
Click the link above to get answers to just about any MOHELA customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to MOHELA, and their purpose. Are any of these similar to the reason you are trying to call?
Loan repayment clarification: "I believe I finished paying off the loans, and they show an amount of zero and no due date."- From a call lasting 23m 21s , Mar 22, 2024 9:12 PM
Inquiring about benefits: "I'm interested in learning about special benefits for service members."- From a call lasting 1m 56s , Mar 18, 2024 10:30 PM
Questions about repayment plan: "I had a couple questions about my account, specifically regarding the repayment plan and past due dates."- From a call lasting 31m 43s , Feb 14, 2024 3:32 PM
Income driven repayment plan: "I need to recalculate my payment for the income driven repayment plan."- From a call lasting 3m 9s , Jan 3, 2024 6:40 PM
Conclusion and closing notes
This is MOHELA's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a MOHELA agent. This phone number is MOHELA's best phone number because 5,352 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 888-866-4352 include Request a loan, Eligibility question, Repayment question, Overcharge/Strange charge, Extension and other customer service issues. Rather than trying to call MOHELA first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone. In total, MOHELA has 1 phone number. It's not always clear what is the best way to talk to MOHELA representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.
GetHuman does not provide call center services or customer support operations for MOHELA. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like MOHELA. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.