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OverviewPreparing your estateWhen someone dies
OverviewPreparing your estateWhen someone dies
SimplyTrust forms
Letter of Instruction
Home→Financial Institutions→MOHELA→Preparing your estate

What happens to your MOHELA accounts when you die

Covers 7 lending accounts — all transfer through probate

MOHELA

Student Loan Servicer · Nationwide

mohela.com→
MOHELA logo

MOHELA Direct Loan Servicing

Phone1-888-866-4352
Mailing Address

Requests for assistance and documents: MOHELA, 633 Spirit Drive, Chesterfield, MO 63005-1243 (do not submit payments to this address). Direct Loan payments: DEPARTMENT OF EDUCATION/MOHELA, P.O. Box 790233, St. Louis, MO 63179-0233. FFELP/CASHLoan payments: MOHELA, P.O. Box 1022, Chesterfield, MO 63006-1022.

FFEL Program and CASHLoan servicing
1-800-945-4701
Direct Loan servicing (international)
636-532-0600
FFEL and CASHLoan servicing (international)
636-534-2815
TTY
711
WebsiteLearn more→

MOHELA Direct Loan Servicing

Phone1-888-866-4352
Mailing Address

Requests for assistance and documents: MOHELA, 633 Spirit Drive, Chesterfield, MO 63005-1243 (do not submit payments to this address). Direct Loan payments: DEPARTMENT OF EDUCATION/MOHELA, P.O. Box 790233, St. Louis, MO 63179-0233. FFELP/CASHLoan payments: MOHELA, P.O. Box 1022, Chesterfield, MO 63006-1022.

FFEL Program and CASHLoan servicing
1-800-945-4701
Direct Loan servicing (international)
636-532-0600
FFEL and CASHLoan servicing (international)
636-534-2815
TTY
711
WebsiteLearn more→

MOHELA Death Discharge (no separate bereavement team; handled by loan servicing)

Phone1-888-866-4352
Fax1-866-222-7060
Mailing Address

MOHELA, 633 Spirit Drive, Chesterfield, MO 63005

Death-discharge fax (international)
636-787-4038
FFEL Program and CASHLoan servicing
1-800-945-4701
FFEL and CASHLoan fax
1-888-212-5912
WebsiteNotify online→
Verified Jul 2026

MOHELA does not currently support beneficiary designations, transfer-on-death registrations, or trust account titling on any account type. All MOHELA student loans pass through the estate at death and may require probate.

When an account holder dies, the executor or administrator will need to contact MOHELA with a death certificate and legal authority documents to claim account balances. The process and required documents are covered on the death claim page.

MOHELA does not currently support beneficiary designations (POD or TOD) on any account type. All accounts transfer through the estate at death and may require probate.

Why trust accounts are not available

MOHELA does not support retitling accounts into a trust, naming a trust as beneficiary, or any other probate-avoidance mechanism. Account balances transfer through the estate at death.

SimplyTrustSimplyTrust Editorial·Updated July 12, 2026

Sources

  • mohela.com
  • mohela.studentaid.gov
  • studentaid.gov
  • irs.gov

Data sourced from MOHELA primary sources (15 pages reviewed). How we research.

MOHELA

Student Loan Servicer · Nationwide

mohela.com→
MOHELA logo

MOHELA Direct Loan Servicing

Phone1-888-866-4352
Mailing Address

Requests for assistance and documents: MOHELA, 633 Spirit Drive, Chesterfield, MO 63005-1243 (do not submit payments to this address). Direct Loan payments: DEPARTMENT OF EDUCATION/MOHELA, P.O. Box 790233, St. Louis, MO 63179-0233. FFELP/CASHLoan payments: MOHELA, P.O. Box 1022, Chesterfield, MO 63006-1022.

FFEL Program and CASHLoan servicing
1-800-945-4701
Direct Loan servicing (international)
636-532-0600
FFEL and CASHLoan servicing (international)
636-534-2815
TTY
711
WebsiteLearn more→

MOHELA Direct Loan Servicing

Phone1-888-866-4352
Mailing Address

Requests for assistance and documents: MOHELA, 633 Spirit Drive, Chesterfield, MO 63005-1243 (do not submit payments to this address). Direct Loan payments: DEPARTMENT OF EDUCATION/MOHELA, P.O. Box 790233, St. Louis, MO 63179-0233. FFELP/CASHLoan payments: MOHELA, P.O. Box 1022, Chesterfield, MO 63006-1022.

FFEL Program and CASHLoan servicing
1-800-945-4701
Direct Loan servicing (international)
636-532-0600
FFEL and CASHLoan servicing (international)
636-534-2815
TTY
711
WebsiteLearn more→

MOHELA Death Discharge (no separate bereavement team; handled by loan servicing)

Phone1-888-866-4352
Fax1-866-222-7060
Mailing Address

MOHELA, 633 Spirit Drive, Chesterfield, MO 63005

Death-discharge fax (international)
636-787-4038
FFEL Program and CASHLoan servicing
1-800-945-4701
FFEL and CASHLoan fax
1-888-212-5912
WebsiteNotify online→
Verified Jul 2026

Estate planning articles

Learn how to protect your MOHELA accounts and other assets with trusts, beneficiary designations, and estate planning documents.

When you're ready, we're here.

A revocable living trust skips probate, stays private, and takes 15 minutes.

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Estate planning articles

Learn how to protect your MOHELA accounts and other assets with trusts, beneficiary designations, and estate planning documents.

Reimbursable Trustee Expenses: A Clear Overview

Reimbursable Trustee Expenses: A Clear Overview

Which trustee expenses does a trust reimburse?
Estate Settlement
SimplyTrustSimplyTrust EditorialJuly 13, 2026
Refundable Executor Expenses: What Estates Cover

Refundable Executor Expenses: What Estates Cover

Learn which out-of-pocket costs executors recover from estates.
Estate Settlement
SimplyTrustSimplyTrust EditorialJuly 13, 2026
Dave Ramsey on Trusts: What We Agree and Disagree On

Dave Ramsey on Trusts: What We Agree and Disagree On

Dave Ramsey on trusts: any estate plan at all is a good thing. We agree about that. There's one thing we don't agree with him about on trusts, though.
Trusts
SimplyTrustSimplyTrust EditorialJuly 6, 2026
Jean Chatzky on Estate Planning: It’s a Gift

Jean Chatzky on Estate Planning: It’s a Gift

On estate planning, Jean Chatzky's most important reframe may be the simplest one. She says estate planning isn’t about your passing, it’s about your love for family.
Estate Planning
SimplyTrustSimplyTrust EditorialJuly 6, 2026
Robert Kiyosaki on Trusts: A Structural Necessity

Robert Kiyosaki on Trusts: A Structural Necessity

According to Robert Kiyosaki, trusts are a necessity for everyone, not only the wealthy.
Trusts
SimplyTrustSimplyTrust EditorialJune 30, 2026
Ramit Sethi on Estate Planning: Start With a Living Trust

Ramit Sethi on Estate Planning: Start With a Living Trust

Ramit Sethi on estate planning: start with a living trust and have regular conversations with your heirs about how to manage finances when the trust becomes active.
Trusts
SimplyTrustSimplyTrust EditorialJune 30, 2026

Is this your situation?

Get a complete guide for your specific circumstances.

New Baby or Adoption

New Baby or Adoption

Your family is growing. Your protection should too. Guardian nominations, trusts for minors, beneficiary updates, and the documents new parents need in place.

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Marriage

Marriage

What married couples need in place: one joint trust or two, wills, beneficiary updates, and the spousal rights your state grants you automatically.

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New Home

New Home

How to put your house in a revocable trust: the deed you record, what it does to your mortgage and property taxes, and when a TOD deed is simpler.

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Retirement

Retirement

Retirement changes your financial picture. Healthcare directives, beneficiary reviews, long-term care planning, and protecting what you've built.

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