Loan Servicing Resources
Say Hello to MOHELA
Your loans are serviced by MOHELA.
Access your online account today at servicing.mohela.com.
You will log in with the same user ID and password as you did with Navient.
On October 21, 2024, MOHELA began servicing your student loans.
Servicing transfers are a normal business practice that happens from time to time – you simply work with MOHELA instead of Navient. While not much else changed (e.g., account number, contact information), we understand you may have questions.
What is MOHELA?
MOHELA is a non-profit, governmental corporation dedicated to helping families successfully repay their student loans and is one of the largest student loan servicers in America. With more than 40 years of experience, MOHELA is committed to providing you a first-rate customer experience.
When did this change take place?
This change began in 2024 with several outbound communications to let borrowers know about the change. On October 21, 2024, loans officially transferred to MOHELA and borrowers can access their online account at servicing.mohela.com.
Good news - not much changed.
Stayed the same
Your loan terms, interest rate, and benefits
Account number
The number you call to ask questions
Addresses to mail payments and send correspondence
Your user ID and password
Your Auto Pay enrollment (if applicable)
What's new
The website you use to log in to your account
Who you work with to manage your account and make payments
Servicing transfers are a normal business practice that happens from time to time. MOHELA replaced Navient as the servicer of your loans. Please note: MOHELA is not purchasing or merging with Navient.
You will receive your communications with MOHELA the same way you did with Navient.
Yes, your Auto Pay enrollment automatically transferred to MOHELA.
Yes, any repayment plan options available to you and borrower benefits provided in your loan agreement will continue at MOHELA.
The loan owner holds the loan agreement and has the right to collect from the borrower.
A loan servicer handles details on behalf of the loan owner, such as collecting and processing payments and answering questions. As your loan servicer, MOHELA will work with you on repayment plans and will assist you with other issues related to your student loans.
MOHELA sent you a welcome letter letting you know your loans were officially transferred. You can access your MOHELA online account, make payments to MOHELA, and contact MOHELA with any questions about your loans.
Continue to use the same address to send payments. Just ensure it's addressed to MOHELA on your check.
Visit servicing.mohela.com for all questions related to your loans.
Yes. Navient transitioned all its student loan servicing to MOHELA (with some rare exceptions, such as defaulted loans).
No. This information was automatically transitioned to MOHELA.
The interest rate on your loan, whether fixed or variable, is governed by the terms of your loan agreement. The servicer must adhere to those terms when servicing your loan. Interest rates on federal student loans are set by Congress, whereas interest rates on private loans are set by the lender at the time of loan origination.
The interest rate may be variable or fixed for the life of the loan, depending on the terms of your loan agreement.