Mohela Student Loan Refund: How to Request One

Student loan debt remains one of the most pressing financial challenges in the U.S., with millions of borrowers struggling under the weight of their education loans. Amid ongoing discussions about loan forgiveness and repayment reforms, many borrowers are now looking into Mohela student loan refunds—particularly those who made payments during the COVID-19 payment pause. If you’re wondering how to request a refund from Mohela, this guide will walk you through the process, eligibility criteria, and key considerations.

Understanding Mohela and Student Loan Refunds

Who Is Mohela?

MOHELA (the Missouri Higher Education Loan Authority) is one of the largest federal student loan servicers in the U.S., managing millions of accounts. They handle loans under the Direct Loan Program, FFELP, and other federal loan types.

What Is a Student Loan Refund?

A student loan refund occurs when a borrower receives money back from payments made toward their federal loans. This typically happens in two scenarios:

1. Overpayment – If you paid more than required, you may be eligible for a refund.
2. COVID-19 Payment Pause Refunds – Borrowers who made voluntary payments during the pandemic-era forbearance (March 13, 2020, through August 2023) can request a refund.

How to Request a Refund from Mohela

Step 1: Check Your Eligibility

Before requesting a refund, confirm whether you qualify. Key eligibility factors include:

• You made payments during the COVID-19 pause (March 2020 – August 2023).
• Your loans are federally held (Direct Loans, some FFELP loans).
• You haven’t already consolidated or refinanced (refunds are only available for active federal loans).

Step 2: Contact Mohela

You can request a refund in three ways:

Option 1: Online Request

• Log in to your Mohela account.
• Navigate to the "Payments" section.
• Look for the "Request a Refund" option (if available).

Option 2: Phone Request

• Call MOHELA’s customer service at (888) 866-4352.
• Be prepared to provide:
  • Your Social Security Number (SSN).
  • Loan account details.
  • Payment dates and amounts you want refunded.

Option 3: Written Request

• Send a signed letter to MOHELA’s mailing address:
  MOHELA 633 Spirit Drive Chesterfield, MO 63005-1243
• Include:
  • Your full name and SSN.
  • A clear refund request (specify payment dates/amounts).

Step 3: Wait for Processing

Refund processing times vary, but Mohela typically takes 4-6 weeks to issue refunds. The money may be returned via:
- Direct deposit (if you previously used auto-debit).
- Check by mail (if no electronic payment method is on file).

Key Considerations Before Requesting a Refund

Will a Refund Affect Loan Forgiveness?

If you’re pursuing Public Service Loan Forgiveness (PSLF) or Income-Driven Repayment (IDR) forgiveness, a refund could reset your payment count. Weigh the pros and cons before proceeding.

Tax Implications

Refunds are generally not taxable, but consult a tax professional if you’re unsure.

Future Repayment Plans

If you expect Biden’s SAVE Plan or other relief programs to benefit you, a refund might increase your debt—so plan accordingly.

Final Thoughts

Requesting a Mohela student loan refund can provide much-needed financial relief, but it’s crucial to understand the long-term impact. Whether you’re reclaiming COVID-era payments or correcting an overpayment, follow the steps carefully and stay informed about evolving student loan policies.

For the latest updates, check StudentAid.gov or Mohela’s official website.