MOHELA mailing address
To mail a letter or form to MOHELA — which services federal Direct Loans on behalf of the U.S. Department of Education — send it to MOHELA, 633 Spirit Drive, Chesterfield, MO 63005-1243. MOHELA (the Higher Education Loan Authority of the State of Missouri) is a federal Direct Loan servicer. It also served as the Department of Education’s dedicated Public Service Loan Forgiveness (PSLF) servicer from July 2022 to April 2024, processing the largest volume of PSLF forgiveness of any contractor in the program’s history. Use this address for general correspondence, deferment/forbearance and income-driven repayment paperwork, and discharge or forgiveness claims. Payments often go to a separate address, so check your statement or MOHELA's official contact page before mailing one.
MOHELA — correspondence address
MOHELA 633 Spirit Drive Chesterfield MO 63005-1243
General correspondence, deferment/forbearance and income-driven repayment paperwork, and discharge or forgiveness claims for federal Direct Loans on behalf of the U.S. Department of Education. Confirm before mailing a payment — servicers often use a separate payment-only address or lockbox.
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MOHELA633 Spirit DriveChesterfield, MO 63005-1243
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Key facts
- This is MOHELA's published correspondence address, taken from its own contact page.
- MOHELA services federal Direct Loans on behalf of the U.S. Department of Education.
- Use it for general correspondence, forms, and claims — not necessarily for payments, which many servicers route to a separate address.
- Include your loan or account number on the form itself, not just the envelope or a cover letter.
- Many forms can also be submitted through the servicer's online account portal, which is usually faster than mail.
- PostPal prints your letter and mails it for you — no printer, envelope, stamps, or post office trip.
How to send your letter
- 1
Check whether it can go through your online account first
Most servicers, including MOHELA, process forms faster through their online borrower portal than by mail. Use paper when a form needs a wet signature, you can't access the portal, or MOHELA has specifically asked you to mail something.
- 2
Include your loan/account number on everything
Write your full name and loan or account number on the form itself and on any cover letter — loose pages that fall out of an envelope are the most common reason mailed paperwork gets delayed or lost.
- 3
Address it to the correspondence office
First line: MOHELA. Then: 633 Spirit Drive. Then the city line: Chesterfield MO 63005-1243.
- 4
Send it with PostPal
Write or upload your letter or form to PostPal with the address above prefilled. We print it, add your return address, and mail it for you — no printer, envelope, stamps, or trip to the post office.
Common questions
What is the MOHELA mailing address?
MOHELA, 633 Spirit Drive, Chesterfield, MO 63005-1243. This is MOHELA's published correspondence address for general mail — forms, letters, and paperwork. Confirm it on MOHELA's official contact page before anything time-sensitive, since servicers sometimes use a different address for payments and can relocate.
What does MOHELA service?
MOHELA (the Higher Education Loan Authority of the State of Missouri) is a federal Direct Loan servicer. It also served as the Department of Education’s dedicated Public Service Loan Forgiveness (PSLF) servicer from July 2022 to April 2024, processing the largest volume of PSLF forgiveness of any contractor in the program’s history.
Can I mail a payment to this address?
Check first — many servicers, including federal loan servicers, route payments to a separate PO box or lockbox from the one used for general correspondence and forms. The address above is for correspondence; look up your specific payment address on MOHELA's official contact page or your monthly statement before mailing a check.
Where do I mail a deferment, forbearance, or income-driven repayment form?
Send it to the address above, addressed to MOHELA. Include your loan or account number on the form itself, since separated cover letters and forms can get processed out of order. Many of these forms can also be submitted through your online account, which is usually faster.
How do I mail MOHELA a letter without a printer?
Write or upload your letter to PostPal. We print it, add your return address, and mail it for you — no printer, stamps, or post office trip needed.
Sources
Addresses verified September 2026 against official sources. Always confirm on the official site before time-sensitive filings.