If you’re dealing with student loans, you could be familiar with MOHELA (Missouri Higher Education Loan Authority), one of the federal student loan servicers that’s been hired by the U.S. Department of Education. Understanding when and how to communicate with them will help you get your loan situation sorted, your payment options explained or your account managed. In this guide, you will be learning everything about mohela customer service hours and how it compares with other providers such as the SoFi customer service even for a broader view of things.
What is MOHELA?
MOHELA is a nonprofit student loan servicer based in St. Louis, Missouri. It also helps borrowers with their federal student loans, explaining repayment plans, consolidation, deferment, forbearance and forgiveness options. MOHELA, as a loan servicer, doesn’t originate loans, but rather serves as a pass-through third party to service and collect on those loans on behalf of the U.S. Department of Education.
The Importance of Understanding MOHELA Customer Service Hours
Loan servicing frequently involves speaking directly with your servicer, whether it’s to:
- Update your contact details
- Inquire about the terms of your repayment plan
- Ask to postpone payments or place the loan in forbearance
- Ask if you qualify for a loan forgiveness
- Resolve account discrepancies
In order to get on-the-spot resolution, it’s important to know when MOHELA customer service hours are, which can keep any holdups to a minimum and your loan in good standing.
MOHELA Hours of Operations (2025)
As of the latest update, MOHELA customer service is available during these hours:
MOHELA Business Hours of Operation:
- Monday to Friday: 7:00 a.m. – 9:00 p.m. Central Time (CT)
- Saturday and Sunday: Closed
Most federal holidays are recognized by MOHELA and customer service is generally not available. This includes:
- New Year’s Day
- Memorial Day
- Independence Day
- Labor Day
- Thanksgiving Day
- Christmas Day
Tip: If you’re going to be calling during high-traffic hours, such as around lunch or immediately after work, expect to spend some time on hold first. Early in the morning or mid-afternoon are typically slower.
How to Contact MOHELA
So here are the primary means of communication with MOHELA:
Phone Support
- Audi Customer Service Phone Number (U.S.): 1-800-822-8987 Overall Rating: 2 – 2.5 out of 5 Overall Rating: (2/5, 2.5/5) JD Power Rating: 4** NAIC Rating: 1 Cookie-cutter insurance packages – service similar to a Pretzel, er no I take that back, you can at least chew on a Pretzel.
- TeleTYpewriter (TTY) for Hearing Impaired: 1-877-213-7724
Online Account Access
You may access your loan at any time at www. mohela. com. From there, you can:
- Make payments
- Set up autopay
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- Send in your deferment/forbearance forms
- See your loan balance and interest accrual
Secure Messaging
On the online MOHELA account, there is a secure message feature where you can reach out and communicate with customer services. This method is not instantaneous, but it does work well for less time-sensitive inquiries.
Mailing Address
If mailing your documents is the best option for you, here’s MOHELA’s address for general correspondence:
MOHELA
633 Spirit Drive
Chesterfield, MO 63005-1243
MOHELA vs. SoFi Customer Service
MOHELA is a federal student loan servicer, whereas SoFi (Social Finance, Inc.) provides private student loans, refinancing, and other financial products. While they specialize in different types of loans, it’s good to compare how each treats you when you’re a customer.
SoFi Customer Service Summary:
- Hours: Monday-Thursday: 5 a.m. – 7 p.m. PT
- Friday through Sunday: 5 a.m. to 5 p.m. PT
- Live Chat: On the website and on mobile app
- Phone Support: 1-855-456-7634
- 24/7 account access: Online dashboard and app
- In-app messaging: You can also receive support via the SoFi mobile app
Best Times to Contact MOHELA
For the speediest response, these pointers may help:
- Don’t go on a Monday: It often sees the longest lines, thanks to the weekend backlog.
- Call Early: Place your call immediately when lines open at 7:00 a.m. CT.
- Leverage Online Messaging: Secure messages are suitable for non-urgent matters.
MOHELA What to Prepare Before Reaching Out to MOHELA
Before contacting them, you should have the following details ready:
- Your MOHELA account number or FSA ID.signature helped me.visitMethod testing pythonUBLIC HEALTHEach wallet is printed from the single master and must be destroyed after use/5/15 AMBLACKSANDSize 6-3/4 in.
- Personal information (DOB, last 4 SSN)
- Written questions or requests to be read aloud
- Documentation (if you’re calling regarding deferment, an income change, etc.)
Writing this before the call lets us go faster and you get to resolve your issue more quickly.
Is Moehla Open on Weekends? Can I Contact Them During off Hours?
In fact, MOHELA doesn’t provide live assistance after business hours, however you could still:
- Make payments online
- Update account settings
- View statements
- Submit forms
Simply sign onto MOHELA’s official web site whenever.
When to Escalate MOHELA Concerns
If you’ve made several calls to MOHELA during business hours and are still having problems that you feel have not been resolved, you might:
- Ask to speak to a supervisor
- Contact the Federal Student Aid Ombudsman
- Website: https://studentaid.gov/complexContentductoryAgency.cfm!root=defaultAgencyださい?agencyAlias=default
Change Servicers: Rare, but sometimes you can ask for a new servicer to take over or refinance through private lenders such as SoFi.
Final Thoughts
Knowing the MOHELA customer service hours is important if you want to keep up with your student loan obligations. Whether you’re seeking a new repayment plan or just want to see your balance, the right time and way to get in touch will help minimize waits and ease money management.
While MOHELA follows a schedule that’s more typical of a traditional servicer than a private one like SoFi customer service number, the two companies provide tools to help students succeed. If you’re managing work and money, plan in advance to reach out to MOHELA during work hours — or decide whether a private student loan company with more generous hours might be more your speed.
