When you are dealing with student loans, knowing when and how to contact your loan servicer is one of the most important things you can do. MOHELA (Missouri Higher Education Loan Authority) is one of the largest federal student loan servicers. While not all of SoFi’s borrowers also use SoFi for refinancing or personal finance management, most also interact with MOHELA for their federal student loan services. In this post, we’ll discuss when mohela customer service hours of operation are and what contact methods you can use as well as what that means for MOHELA vs SoFi customer service and how to stay in the loop and on top of your student loan journey.
Understanding MOHELA and What it Does
MOHELA is one of several companies that the U.S. Department of Education hires to manage federal student loans. It handles billing, repayment plans and communication about your student loans. In contrast to private lenders, MOHELA is not a lender, and does not issue loans, but rather acts as an intermediary to manage federal loan servicing.
MOHELA’s duties are:
- Forwarding monthly statements of accounts
- Processing payments
- Managing repayment plans
- Processing of deferments and forbearances
- Answering customer inquiries
Because of its impact on your financial life, it is also important to know MOHELA’s customer service availability.
MOHELA Customer Service Hours
MOHELA provides support during normal business hours, except on holidays. As of the most recent information, the general customer service hours for MOHELA are:
- Monday-Thursday: 7:00 AM to 9:00 PM CT
- Friday: 7:00 AM to 5:00 PM CT
- Saturday – Sunday: Closed
These hours are also standard to most questions, such as about your bill, what options you have to pay it back and status of your account.
Best Times to Call MOHELA
MOHELA’s hours are quite generous, though wait times can vary based on the time of day that you call. If you don’t want to have to wait on hold for a long time, you should try these phone service numbers:
- Sunrise (7:00—9:00 am CT)
- Midweek (Tuesday–Thursday)
- Excluding the first and last week of the month, where volume can get a bit wonky
When you reach out during off hours, you may save time and have a more productive conversation.
Getting in touch with MOHELA after Hours of Operations
Should you require assistance after business hours, MOHELA provides several self- service features online moHELA. mohela. com). Here’s what you can do online 24/7:
- Make payments
- Change your own or banking information
- Review billing statements
- Enroll in income-driven repayment (IDR) plans
- Turn in deferment or forbearance paperwork
- Check loan status
MOHELA’s protected portal is a great way to take care of your loans while avoiding having to speak with an agent.
How to Get In Touch With MOHELA Customer Services
Below are the most frequent methods of contacting MOHELA:
- By Phone (General): 1-888-866-4352
- International calls: 636-532-0600
- Mailing Address:
- MOHELA
- 633 Spirit Drive
- Chesterfield, MO 63005-1243
- Online Portal: www.mohela.com
Before you ring, make sure you have the following:
- Your SSN (Social Security Number) or MOHELA Account Number
- Your last few bills, or any documents
- A list of questions or concerns that you want to address
MOHELA vs SoFi Customer Support
Many borrowers that refinance with SoFi are no longer dealing directly with MOHELA, but many are that still have federal loans. MOHELA and SoFi both provide customer service, but hours and scope may vary.
SoFi Customer Service Summary:
Phone Support Hours:
- Monday–Thursday: 5:00 AM – 7:00 PM PT
- Friday: 5:00 AM – 5:00 PM PT
- Saturday–Sunday: Closed
- Phone: 855-456-SOFI (7634)
- Live Chat: On SoFi website on during business hours
- Email Support: Also available for account inquiries
SoFi provides a more diverse financial platform — investing and banking, for example — whereas MOHELA only does federal loan servicing. Now that you have refinanced through SoFi, their support team is the only one you’ll be dealing with. But if you do still have federal loans, it’s important to know when MOHELA’s customer service is available.
How to get the most from MOHELA customer service
To help facilitate your interactions, we’ve outlined several best practices for when you reach out to MOHELA:
- Call in Off-Peak Times: Go early in the morning or midweek for a shorter wait.
- Get Ready: Keep your account number, paperwork and questions in front of you.
- Ease onlinenois:streamline your tasks by using the MOHELA s website for the most common servicing tasks.
- Document Everything: Take note of the dates of calls, rep names, and notes.
- See Update: Hours may vary around holidays and peaks.
Holidays and Closures
MOHELA customer support is generally closed on the federal holidays like:
- New Year’s Day
- Martin Luther King Jr. Day
- Memorial Day
- Independence Day
- Labor Day
- Thanksgiving Day
- Christmas Day
It’s wise to schedule your calls around those dates to help ensure there are no delays.
When to Get in Touch With SoFi Instead of MOHELA
If you have SoFi as a loan servicer, you’ve refinanced your federal education loans through it, and MOHELA now rivals for the spot of your federal student loan servicer. All questions regarding your refinanced loans, repayment, or terms should be directed to SoFi customer service.
Among the common reasons to get in touch with SoFi are:
- Refinancing or loan ratesSort out your questions about it
- Problems with app or platform from SoFi
- Payment Processing on SoFi Loans
- Requesting deferment or forbearance on private loans
If your loan is still federally managed, on the other hand, MOHELA is who you’ll contact for servicing support.
Final Thoughts
Knowing MOHELA customer service hours is an important part of staying on top of your federal student loan. From updating your account, researching repayment plans, and dealing with hardship, how and when to contact MOHELA can have a significant impact.
And for anyone who has refinanced with SoFi, the customer service may be changing — but the objective is still the same: to receive timely, meaningful support when you need it. With phone support from both the MOHELA and SoFi customer service teams available on extended business hours, you have a strong support system to handle your student loan journey.
