MOHELA Reviews 

This is the most inept company in the United States. They should go directly to jail: do not pass go and do not collect $200. Why they were chosen to handle PLSF is a mystery that can only be explained by the US government hoping MOHELA messes it up so bad that nobody gets their loans forgiven.

Had a loan paid off through refinance. For whatever reason they didn’t accurately communicate the payoff balance well so it was substantial. Mohela never issued a check for the overpayment. I’ve paid off loans before and had checks for like 2 cents issued without ever needing to contact anyone. I wouldn’t be annoyed about having to contact them if it weren’t for the 2 minute public service announcements just to get to prompts for service and getting hung up on the first time I called in.

Mohela is the absolute worst student loan service company. It is June 3, 2024 and I have been waiting for 2 replacement student loan refund checks from AUGUST 2023! I have called several times since last fall and after being on hold for over an hour each time, just to be told that the replacement checks are still being processed. One phone call I had to compete with the agent’s crying infant just to be heard. It absolutely does take this long to replace 2 checks. Utterly ridiculous.

My experience with MOHELA has been nothing short of a nightmare. From their abysmal customer service to shady practices, I strongly advise anyone with federal student loans to steer clear of this company.
First and foremost, their customer service representatives are consistently rude and unhelpful. Whenever I've had the misfortune of needing assistance, I've been met with dismissive attitudes and condescending remarks. It's as if they have no regard for borrowers' struggles in navigating the complexities of student loan repayment. I made a payment in March that they said I didn't have to make and said they would send the payment back. I never received the payment back and it has not been applied to my account.

The worst company maybe to exist, period. Not only are they clawing away money from the public, but they are doing in a negligent and corrupt manner. There's no accountability for their "mistakes." 10 hour wait times for phones calls, app doesn't work, payments never processed. When you do get in contact with someone, they are not helpful. The few reps that I did speak with said they didn't have access to the system to help me, and weren't sure how to find a solution. 2 years later and they still have qualified PSLF payments. This provider should be shut down asap! I'm wondering if legal action should be taken against their egregious failures.

I paid off my student loan on February 28 2024 of over 6k. It is still showing a balance and they show I’m late and in April took a payment out of my account. I have emailed them and spoke to 3 customer service robots who dont know what’s going on. Honestly I want to sue them along with the government for allowing this type of non service to happen. My payment cleared my account same day and they say it’s still pending - almost 3 months later. Where is my money? They need to make this right!!!!

They transition to a new platform and lock the old platform so no account information is available online. I managed to get a representative on the phone in less than an hour last week but they cannot provide any account information either. Payments can be made by check only until the transition is complete but wait, it will take 60-90 days to process a check via USPS and the kicker is they WILL mark me delinquent in the meantime. How is any of this legal? Fast forward...today, I receive an email that my loan transition is complete so I register for the new .gov site and there is no account history, NONE whatsoever. How is this legal? Why does no one help? I have filed complaint upon complaint with various consumer protection agencies. I have contacted my representatives in Congress and the Senate. No one replies and no one cares. This will never be fixed as long as the incompetent and corrupt government has their hands in it.

They have locked me out of my own account !!
Long wait -- on hold forever!! WTH is everything with this Government so Screwed Up!
we are trying to pay! Get me a new Company immediately!!

They are a joke. I have applied and have been approved for a $0 repayment plan. They are still billing me according to the standard repayment. Every time I call, their system says they will call back within 50 minutes. I have called four times, never receiving a call back or an answer.

I have been trying to contact MOhela for weeks regarding a serious error with my loans, I cannot get a representative on the phone and cannot wait for hours due to being a physician. I have given up several times after 30+ min waits on hold. Their communications are beyond confusing and disorganized. This company seems like a complete scam.

Horrible long wait times on phone line tell me I owe $518 they send me a web message on the horrible website that my payment is 0.00 per month never credit my account in timely fashion. So are my payments Zero or 258 per month . Tell me I have to go to Studentloan.gov to change providers obviously lip service because nothing anywhere on the site lets me do that plus they make sure they annoy you with crappy hold music and ads for their non services still on hold at 25 minutes now

Company’s support is garbage. I get that they have to react to ever changing policy.
I’ve submitted 4 requests for Public Service Loan Forgiveness, starting last September ,which's my employer has signed 4 times. I have received notices stating that my employer has not signed them after they have 4 times. I call the support number where they try to loose you in a maze of messages explaining the bureaucracy of loans programs, to finally get an option to talk to someone. Except it’s another menu with no option to talk to someone. Putting in another complaint to the Department of Education, ( contradiction in terms) which signed off this company handling our loans.

Like many others- I was supposed to be automatically put on SAVE, but they put me on standard, and I can't afford my monthly payment. I recertified but noticed it's still pending and wasn't sure why. I got a hold of a human today after waiting for 30 minutes, and she agreed that something was up. She said I needed to request a processing forbearance and put me on hold. One hour later I'm still on hold and writing this. Taking notes on all of this and keeping track of dates and times in case I need the info later. I am only a few months from forgiveness and WANT TO PAY THEM so I never have to deal with them again. Irony.

Mohela has been a very unhelpful company. I applied for the SAVE plan after being on the IDR plan for a number of years through Nelnet and then Fedloan Servicing. My loans were sent to Mohela in 2023. I applied for the SAVE plan and was told it would take two months to go through. I never heard anything from them and instead they sent me a bill for $1700/month instead of the normal $11/month I normally pay. Without my permission, because I was setup with autopay, they withdrew the money from my account. I am now on hold with them for the last 20 minutes and am not looking forward to how this is going to go. NOT A GOOD COMPANY! This is not okay.

was on the phone for over 2 hours on and off hold. I was very patient. Last thing Nancy told me was the supervisor is looking at my payment that had all of a sudden changed. She never came back to the phone, no call back. I still don't have answers.

Was paying ahead. Then asked over 10 times to move money paid towards upcoming bill. Was told be done within 3 days. Then 20 days later and multiple calls to customer service supervisors (at least 4!)....nothing! And then on hold usually at least 40 min. Notified bbb and still no action. I wish the government would look at this failing company customer service. If you have a choice. DO NOT use mohela.

I would give them a negative star if that was possible. These people are completely incompetent and no one knows how to do their job. They sent a bill for payments and the payment was made then sent a notice saying oops you didn't owe those so we need you to contact us . I contact them and was assured those would be applied to a new set of payments that would be due. Now two months later and multiple phone calls they still haven't been applied and now i am showing that my account is past due because they can't get their act together. There has been a new story each time i have talked to someone. Extremely unprofessional and not worth anyone's business.

My experience with MOHELA has been nothing short of a nightmare. From their abysmal customer service to shady practices, I strongly advise anyone with federal student loans to steer clear of this company.
First and foremost, their customer service representatives are consistently rude and unhelpful. Whenever I've had the misfortune of needing assistance, I've been met with dismissive attitudes and condescending remarks. It's as if they have no regard for borrowers' struggles in navigating the complexities of student loan repayment.
Even worse is their tendency to change loan terms without notification. I was shocked they had pulled my loans out of in-school deferment without a courtesy email or letter due to a discrepancy. This lack of communication is unprofessional and incredibly frustrating for borrowers trying to stay on top of their finances.
MOHELA's incompetence and disregard for borrowers' needs are utterly unacceptable. It baffles me how they can continue servicing federal student loans when they lack the basic competency and professionalism required for such an important responsibility.
In conclusion, save yourself the headache and avoid MOHELA at all costs. There are plenty of other loan servicers out there who prioritize customer satisfaction and transparency.

Awful company, received an email after making my Nov 2023 payment stating my account had been placed on an administrative hold and any payments made between Oct-Dec 2023 would count towards any future payments, well that has not happened, the payment I made in Nov 2023 should have went towards Jan 2024 and my current payment due in February 2024, they have my account as delinquent even after I contacted them two weeks ago about this same issue and it should have been cleared up then, it is not, I am fuming because this will affect my credit report with the department of education which has been excellent, Mohela is trying to place themselves on my credit report and I am upset, that is just rachet of them.

Horrible incompetence. Confusing misleading communications....how are they even allowed to have a business still. I am not sure how their employees sleep at night.