Prepare the letter of instruction MOHELA requests during estate or death-claim processing — addressed to its verified claims department with the required enclosures. PDF.
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Institution & Your Role
Which institution holds the account, and the capacity you are writing in.
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Frequently Asked Questions
Send it to MOHELA's estate/claims department: MOHELA, 633 Spirit Drive, Chesterfield, MO 63005. You can reach the department at 1-888-866-4352.
MOHELA lists these among its required documents: Proof of death — a death certificate; MOHELA states a clear photocopy is acceptable; For federally held Direct Loans only, an accepted alternative when no death certificate is available, showing the decedent's name and date of birth: county clerk verification, a clergyman or funeral-director letter on official letterhead, or a local newspaper death announcement; For a Direct PLUS or Parent PLUS Loan, proof of death for EITHER the borrower or the student on whose behalf the loan was borrowed; Borrower account number or Social Security number, plus your name, relationship, and contact information (no MOHELA death-discharge form exists — a short cover letter carries this). The prepared letter includes an enclosure checklist drawn from MOHELA's recorded requirements.
MOHELA does not publish a processing time for a death discharge. It reviews the proof of death, returns any payments made after the confirmed date of death to the estate, and then discharges the remaining balance. The two things that stall a claim are sending an alternative document on a loan that is not a federally held Direct Loan (MOHELA limits substitutes to Direct Loans), and mailing documents to the payment address instead of the Chesterfield correspondence address. MOHELA states that uploading documents after logging in is the fastest channel.
MOHELA accepts a letter you write. We draft it for you, addressed to MOHELA's verified claims department with the required enclosures.
It depends on the capacity you are acting in. An executor or administrator encloses Letters Testamentary (when there is a will) or Letters of Administration (when there is not); a successor trustee encloses a certificate of trust; a successor under a small estate encloses that state’s small estate affidavit. The prepared letter lists the proof-of-authority document for your role alongside the institution’s required documents.
A letter of instruction is the written request an institution asks for when settling a deceased customer’s account. It identifies the decedent and the account, states the capacity you are acting in, and tells the institution what to do with the account.
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