MOHELA, also known as the Higher Education Loan Authority of the State of Missouri, is a nonprofit student loan servicer headquartered in Chesterfield, Missouri. This page provides updated MOHELA corporate office and contact information, including the Chesterfield address, Direct Loan phone number, FFEL and private loan servicing routes, payment address warnings, complaint escalation options, review themes, and student loan scam guidance.
MOHELA Corporate Office and Contact Information
- Organization: MOHELA / Higher Education Loan Authority of the State of Missouri
- Corporate Office / Correspondence Address: MOHELA, 633 Spirit Drive, Chesterfield, MO 63005-1243
- Direct Loan Servicing Phone Number: 1-888-866-4352
- Direct Loan International Phone Number: 1-636-532-0600
- Direct Loan TTY: Dial 711
- Direct Loan Fax: 1-866-222-7060
- FFEL / CASH Loan Servicing: 1-800-945-4701
- FFEL / CASH International Phone: 1-636-534-2815
- MOHELA Servicing for FFELP, HEAL, and Private Loans: 1-888-272-5543
- Official Direct Loan Site: mohela.studentaid.gov
- Official MOHELA Site: mohela.com
- MOHELA Servicing Site: servicing.mohela.com
- Official Direct Loan Contact Page: MOHELA Direct Loan Contact Us
Headquarters / Corporate Office Update
The older version of this page listed MOHELA at 633 Spirit Drive, Chesterfield, MO 63005. That address remains important, but the ZIP+4 version used on MOHELA’s official Direct Loan contact page is 633 Spirit Drive, Chesterfield, MO 63005-1243.
The phone number 1-888-866-4352 is still correct for MOHELA Direct Loan servicing, but it should be labeled as a loan-servicing support number rather than a general business-inquiry or corporate switchboard number. MOHELA uses different phone numbers and payment addresses depending on whether the borrower has Direct Loans, FFEL/CASH loans, FFELP/HEAL loans, private loans, or a special servicing program.
Do not mail loan payments to 633 Spirit Drive unless MOHELA specifically instructs you to do so. MOHELA’s official contact information says that address is for letters and documents, not payments.
How to Contact MOHELA About a Complaint
For most MOHELA complaints, start with the website and phone number that match your loan type. Federal Direct Loan borrowers should use mohela.studentaid.gov and 1-888-866-4352. FFEL and CASH Loan borrowers may need the older MOHELA servicing route at 1-800-945-4701. Some FFELP, HEAL, and private loan borrowers may be routed through servicing.mohela.com and 1-888-272-5543.
If the issue involves billing, payment posting, refund delays, income-driven repayment, forbearance, deferment, credit reporting, loan forgiveness, PSLF, account access, or a document submission, ask MOHELA for a case number or written confirmation. Keep copies of all uploads, letters, payment confirmations, billing statements, call dates, and support messages.
Choose the Correct Support Route
- Corporate office or written correspondence: Use MOHELA, 633 Spirit Drive, Chesterfield, MO 63005-1243.
- Direct Loan servicing: Call 1-888-866-4352 or use mohela.studentaid.gov.
- Direct Loan international support: Call 1-636-532-0600.
- Direct Loan documents: Upload documents through your online account when possible, or send written correspondence to the Chesterfield address.
- Direct Loan payments: Use the payment address shown in your account or on MOHELA’s official Direct Loan payment page.
- FFEL / CASH Loan servicing: Call 1-800-945-4701.
- FFELP, HEAL, or private loan servicing: Use servicing.mohela.com or call 1-888-272-5543.
- PSLF questions: Check StudentAid.gov because the U.S. Department of Education manages PSLF.
- Student loan scam concern: Contact MOHELA, Federal Student Aid, the CFPB, FTC, or your state attorney general depending on the issue.
What to Have Before Contacting MOHELA
- Your MOHELA account number or federal student loan account details
- Your Federal Student Aid login information for StudentAid.gov, kept private
- The loan type, such as Direct Loan, FFEL, CASH, HEAL, private loan, Parent PLUS, or consolidation loan
- Payment dates, amounts, confirmation numbers, and bank records
- Copies of billing statements, notices, emails, letters, or account screenshots
- Uploaded form confirmation, fax confirmation, or mail tracking details
- Repayment plan, IDR, deferment, forbearance, forgiveness, or PSLF details
- A short timeline of what happened and the resolution you are requesting
Do not post Social Security numbers, FSA IDs, MOHELA passwords, full account numbers, bank account numbers, payment screenshots with private data, tax documents, employer certification forms, or personal contact information in public reviews or comment sections.
How to Escalate a MOHELA Complaint
Start with MOHELA directly and keep your complaint tied to the correct loan type. Ask for a case number, written response, or secure-message confirmation when the matter involves payments, refunds, account access, repayment plans, credit reporting, PSLF, forgiveness, deferment, forbearance, or a document processing delay.
If MOHELA does not resolve the issue, submit a complaint through Federal Student Aid or the U.S. Department of Education complaint process. For consumer financial issues, borrowers may also consider the Consumer Financial Protection Bureau. MOHELA’s own borrower protection page also points borrowers to the FTC, U.S. Department of Education Office of Inspector General, state attorney general offices, and BBB for certain complaint situations.
When escalating, include dates, payment amounts, screenshots, uploaded documents, account notices, case numbers, and a clear requested outcome. Avoid emotional or overly long submissions. A concise timeline with proof is usually more useful.
Payments, Payment Addresses, Refunds, and Account Balances
MOHELA uses different payment addresses depending on the loan type. Direct Loan payments may be directed to a Department of Education / MOHELA P.O. Box in St. Louis, while other loan programs may use different P.O. Boxes. Always confirm the correct address in your online account, billing statement, or MOHELA’s official payment page before mailing a check.
Borrowers sometimes contact MOHELA about payments made after forgiveness, negative balances, refund delays, missing payments, auto debit problems, or payment posting errors. For these issues, keep your confirmation number, bank statement, canceled check, money order receipt, electronic payment record, and any MOHELA messages showing the account balance.
If MOHELA says a refund has been issued, ask for the refund method, date issued, amount, check status, or direct deposit information if available.
Account Access, Login, Documents, and Secure Messages
MOHELA encourages borrowers to log in and use secure online tools for account management, document uploads, repayment plan information, and secure messages. If you cannot log in, document the error message, date, browser or device used, and any password reset attempts.
For forms and documents, secure upload is usually faster than mail or fax. If you fax or mail documents, keep the fax confirmation, certified-mail receipt, tracking number, and copies of everything submitted.
Repayment Plans, IDR, Forgiveness, and PSLF
MOHELA can help borrowers manage repayment plans, deferment, forbearance, and some forgiveness or discharge-related account issues. However, borrowers should confirm federal student loan program rules on StudentAid.gov because loan-servicing responsibilities and program rules can change.
For PSLF, MOHELA’s Federal Student Aid site states that the Public Service Loan Forgiveness program is managed by the U.S. Department of Education, not MOHELA. Borrowers seeking PSLF information should use StudentAid.gov/PSLF and keep copies of employer certifications, payment count records, and any correspondence about qualifying payments.
Credit Reporting and Delinquency Issues
Credit reporting complaints may involve payments that were not posted, accounts marked past due, repayment-plan changes, delayed billing, administrative forbearance, or transfer-related confusion. MOHELA’s Federal Student Aid site says Direct Loan delinquency may be reported to nationwide consumer reporting agencies after certain delinquency thresholds.
If you believe MOHELA reported incorrect information, gather statements, payment confirmations, notices, account screenshots, and support messages. Contact MOHELA and consider filing disputes with the credit bureaus and a complaint with the CFPB or Federal Student Aid if the issue is not corrected.
Student Loan Scam and Fake Support Number Warning
Student loan borrowers are frequent targets for scams. MOHELA warns that borrowers never have to pay for help with student loans and that repayment options are available free through the U.S. Department of Education and official servicers.
Be cautious if someone contacts you and asks for upfront fees, monthly maintenance fees, your FSA ID, MOHELA login credentials, debit card or bank information, a power of attorney, or fast action because a loan forgiveness program is supposedly ending. MOHELA and Federal Student Aid will not ask for your FSA ID or MOHELA login information.
Use mohela.studentaid.gov, mohela.com, servicing.mohela.com, StudentAid.gov, and official phone numbers before sharing any information.
Common Reasons Borrowers Contact MOHELA Corporate Office
- MOHELA corporate office or Chesterfield address questions
- Direct Loan servicing phone number questions
- Payment posting, payment address, refund, or negative balance issues
- Difficulty logging in or reaching customer support
- Income-driven repayment, deferment, or forbearance problems
- PSLF, forgiveness, discharge, or payment count concerns
- Credit reporting or delinquency disputes
- Document upload, fax, mail, or processing delays
- Loan transfer or servicer change confusion
- Student loan scam, third-party authorization, or debt-relief company concerns
MOHELA Reviews and Complaints
Customer comments visible on CorporateOfficeHeadquarters.com include complaints about delayed refunds after loan forgiveness, difficulty logging in, inability to reach a representative, long phone wait times, concern about past-due notices and credit reporting, and frustration with unresolved payment or account access problems.
These comments reflect individual borrower experiences and may not represent every MOHELA account, loan type, repayment plan, support contact, or federal student loan program. When leaving a review, include the loan type, support route used, date of the issue, whether MOHELA provided a case number, and whether the issue was resolved. Do not post private student loan or identity information.
About MOHELA
MOHELA is the Higher Education Loan Authority of the State of Missouri. It was established by the Missouri General Assembly in 1981 and has more than 40 years of experience in student loan servicing. MOHELA helps borrowers manage student loan payments, repayment options, deferment, forbearance, forgiveness and discharge options, and account questions.
MOHELA services several types of student loans, and the correct contact route can vary by loan program. Borrowers should confirm whether their loan is a Direct Loan, FFEL, CASH, FFELP, HEAL, private loan, consolidation loan, Parent PLUS loan, or another loan type before calling or mailing documents.
Competitors and Related Corporate Office Pages
MOHELA is not a typical retail company, but borrowers often compare it with other student loan servicers and financial organizations. Related corporate office pages include Navient Corporate Office, Nelnet Corporate Office, SoFi Corporate Office, Discover Corporate Office, and Corporate Offices in Missouri.
Related Resources
- Official MOHELA Direct Loan site
- MOHELA Direct Loan Contact Us
- Official MOHELA site
- MOHELA Servicing Contact Us
- Federal Student Aid
- StudentAid.gov PSLF information
- Federal Student Aid Feedback and Ombudsman
- Submit a CFPB complaint
- Report fraud to the FTC
- MOHELA borrower protection and scam warnings
Frequently Asked Questions About MOHELA Corporate Office
Where is MOHELA corporate office located?
MOHELA’s main correspondence address is MOHELA, 633 Spirit Drive, Chesterfield, MO 63005-1243.
What is MOHELA’s Direct Loan phone number?
MOHELA Direct Loan servicing can be reached at 1-888-866-4352. International borrowers can call 1-636-532-0600.
What is MOHELA’s FFEL or CASH Loan phone number?
MOHELA lists 1-800-945-4701 for FFEL Program and CASH Loan servicing.
What is MOHELA’s private loan or FFELP servicing phone number?
MOHELA’s servicing site lists 1-888-272-5543 for certain FFELP, HEAL, and private loan servicing.
Can I mail payments to 633 Spirit Drive?
No. MOHELA’s official Direct Loan contact page says not to submit payments to the 633 Spirit Drive address. Use the payment address shown in your account, statement, or official MOHELA payment instructions.
How do I file a complaint about MOHELA?
Start with MOHELA support and ask for a case number. If the issue remains unresolved, consider submitting a complaint through Federal Student Aid, the CFPB, FTC, U.S. Department of Education Office of Inspector General, your state attorney general, or BBB, depending on the issue.
Does MOHELA manage PSLF?
MOHELA’s Federal Student Aid site says the Public Service Loan Forgiveness program is managed by the U.S. Department of Education, not MOHELA. Borrowers should use StudentAid.gov/PSLF for PSLF next steps and program information.
How do I protect myself from MOHELA student loan scams?
Do not pay upfront fees for student loan help, and do not share your FSA ID, MOHELA login, passwords, bank information, or power of attorney with someone you do not know and trust. Use official MOHELA and StudentAid.gov resources.
Why Trust CorporateOfficeHeadquarters.com?
CorporateOfficeHeadquarters.com provides corporate office, headquarters, address, phone number, complaint, review, and escalation information for major organizations. This page was updated using official MOHELA, Federal Student Aid, CFPB, FTC, and COH-visible review information where available.
Page Update Note
This MOHELA Corporate Office page was updated on July 4, 2026, to verify the Chesterfield correspondence address, clarify Direct Loan, FFEL/CASH, and private loan servicing phone numbers, warn that 633 Spirit Drive is not a payment address, scan for a CSN link, improve complaint escalation guidance, add student loan scam warnings, and summarize COH-visible review themes.
Disclaimer
CorporateOfficeHeadquarters.com is not affiliated with MOHELA, the Higher Education Loan Authority of the State of Missouri, the U.S. Department of Education, Federal Student Aid, the CFPB, the FTC, any loan servicer, or any student loan company. This page is for informational purposes only. MOHELA names, logos, services, and brands are the property of their respective owners. Student loan rules, repayment plans, forgiveness programs, PSLF rules, payment addresses, support hours, account servicing routes, and complaint procedures can change. Confirm important information directly with MOHELA, StudentAid.gov, or your official loan documents before mailing payments, submitting documents, or sharing sensitive information.
Share Your Experience
Have you contacted MOHELA corporate office, Direct Loan servicing, FFEL servicing, private loan servicing, Federal Student Aid, the CFPB, or another student loan complaint route? Share your experience in the comments below. Do not post private information such as Social Security numbers, FSA IDs, MOHELA passwords, full account numbers, bank details, payment screenshots with personal data, tax forms, employer certification documents, home addresses, or personal contact information.