The short answer
This represents an automatic student loan payment processed by MOHELA (Higher Education Loan Authority of the State of Missouri). They service federal student loans, including those previously managed by FedLoan Servicing.
What is this MOHELA charge?
The statement descriptor MOHELA AUTO PAY indicates a monthly student loan repayment debit processed by the Higher Education Loan Authority of the State of Missouri (MOHELA).
MOHELA operates as a major federal loan servicer for the U.S. Department of Education, managing federal student loans and administering programs such as Public Service Loan Forgiveness. When this direct debit appears on your bank account statement, it represents your scheduled monthly loan payment because you enrolled in automatic ACH deductions. Borrowers often transition to MOHELA when loans are transferred from other servicers or when entering active post-graduation repayment.
If you do not recognize this deduction on your bank statement, verify whether you have active federal student loans assigned to this servicer. You can log into your secure account portal on the official MOHELA website to review payment history, check remaining loan balances, verify amortization schedules, or modify your autopay banking details. Keeping close track of your monthly statements ensures complete financial security and prevents unexpected surprises from recurring charges.
Is MOHELA responsible for PSLF?
Yes, MOHELA is currently the exclusive federal servicer handling the Public Service Loan Forgiveness (PSLF) program. If you are pursuing PSLF, your loans must be serviced by MOHELA to track qualifying payments.
Why did my MOHELA payment amount change?
Payment amounts can change if you failed to recertify your income for an IDR plan, your interest rate adjusted on a variable loan, or you recently consolidated your federal student loans.
Managing your MOHELA automatic payments
If you are facing financial difficulties, it is necessary to proactively manage your auto-pay settings. Simply stopping the payment at your bank without canceling through MOHELA will result in returned payment fees and account delinquency.
To modify your banking information or pause deductions, you must access your online MOHELA account at least three business days before your scheduled due date to ensure the changes take effect.
- Access Portal Log in to your account at mohela.com.
- Payment Options review to the 'Payment Options' section of the dashboard.
- Update Auto Pay Choose to suspend, cancel, or update the banking details for your Auto Pay enrollment.
Independent reference — not affiliated with MOHELA. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- MOHELA Payment Options https://www.mohela.com
- Department of Education Servicer Info https://studentaid.gov
Reviewed Aug 31, 2026 · high · About UnknownCharges