I'm going through this exact same nightmare right now! Been trying to log in for hours and getting that same "no account found" error. This thread has been a lifesaver - it's both comforting and terrifying to see how many of us are dealing with MOHELA's broken system 😤 Based on everyone's advice, here's what I'm going to try: 1) SSN with no dashes or formatting (just 9 digits), 2) Clear cache completely and use incognito mode, 3) Try logging in early morning when servers aren't overloaded, 4) Check that I'm using my original registration email (not forwarded ones). The phone payment backup at 1-888-866-4352 is clutch - thanks everyone for sharing that! At least we won't get late fees while dealing with their garbage system. It's honestly ridiculous that we need a whole community troubleshooting guide just to pay our loans, but I'm so grateful for all the detailed solutions here. Once I finally break through this login hell (fingers crossed!), autopay is happening immediately. Never dealing with MOHELA's website monthly torture again! You all are better than their actual customer service 🙏

I'm so glad I found this thread! I've been dealing with the exact same login nightmare for the past 4 days and was starting to think I was losing my mind. MOHELA's system keeps telling me my SSN doesn't exist even though I literally just made a payment last month 🤬 Based on all the incredible advice here, I'm going to start with the SSN formatting trick (no dashes, just 9 digits) since that seems to be the most successful solution. Also planning to try logging in super early tomorrow morning when their servers aren't getting hammered by everyone else trying to pay their loans. The phone payment backup at 1-888-866-4352 is such a relief to know about - at least I won't stress about late fees while fighting their broken system. It's honestly insane that we need an entire community troubleshooting guide just to access our own accounts, but you all have been more helpful than MOHELA's actual customer service ever could be! Once I finally break through this login hell, autopay is getting set up immediately. Never putting myself through this monthly torture again! Thanks everyone for sharing your experiences and solutions - this community is a lifesaver! 💪

I've been lurking on this thread for weeks and finally had to jump in - you all are absolutely amazing! I've been trying to reach MOHELA for over a month about updating my autopay settings and was starting to lose my sanity with their phone system. Reading through all these creative strategies has been like finding a treasure map for navigating their customer service nightmare! The 7:00 AM sharp timing strategy keeps coming up as the golden solution - definitely setting multiple alarms to try that tomorrow morning. The Spanish line hack @Landon Flounder is pure brilliance, and @Emma Wilson your payment line workaround is genius lateral thinking! I also had no idea about the callback feature buried on their website. It's honestly both frustrating and oddly hilarious that we've had to become customer service detectives just to manage our own loans. Like, we're literally trying to give them our money and they make it harder than getting into Fort Knox! But this community has turned complete chaos into an actual battle plan. Thanks to everyone for sharing what really works - this thread is doing more to help borrowers than MOHELA's entire support department combined. You're all legends for helping fellow students survive this mess! Wish me luck for tomorrow's 7AM mission 🎯

I've been dealing with MOHELA for 4 months now and this thread is absolutely incredible! You all have basically created the ultimate customer service survival guide that should honestly be published as a manual. I've been trying to resolve a payment allocation error and was starting to think I was going insane with their phone system. The 7:00 AM sharp strategy seems to be the holy grail that everyone swears by - definitely setting my alarm for 6:59 tomorrow to be ready! @Landon Flounder that Spanish line hack is absolutely genius, and @Emma Wilson the payment department workaround is brilliant thinking. The callback feature tip is gold too - can't believe it's hidden on their website! It's both amazing and completely ridiculous that we've had to become customer service ninjas just to manage our own loans. We're literally trying to be responsible borrowers and they make it feel like we're infiltrating the Pentagon! 😅 One tip I'll add from my failed attempts - if you do get through but get transferred, DON'T HANG UP even if it seems like you got disconnected. I've had reps put me on "transfer hold" for 10+ minutes with complete silence, but they eventually came back. Almost hung up twice thinking I got disconnected again! Thanks to everyone for sharing these battle-tested strategies - this community is doing more real customer service work than MOHELA's entire department! You're all legends! 🙌

This is such a stressful situation, but you're definitely in good company here! I'm a newer member but have been lurking and reading about MOHELA issues for a while now. The advice everyone's giving about calling at 8 AM sharp with all your documentation is spot on - I've seen this recommendation work for so many people in similar situations. One thing I'd add that I learned from my own banking experience: when you call tomorrow, ask the MOHELA rep specifically about ACH processing delays. Sometimes payments get held up in the Automated Clearing House system between banks, especially if there's any mismatch in account information or if your bank uses a third-party processor. If that's the case, they can usually expedite it once they know to look for it. Also, don't forget to check if MOHELA sent you any emails about payment verification - sometimes they'll send a "confirm this payment" email that can end up in spam folders, and if you don't respond within a certain timeframe, the payment just sits there waiting. Hang in there! Based on everyone's experiences here, it sounds like your payment is definitely recoverable, just stuck somewhere in their system. This community is amazing for support during these loan servicer nightmares! 🙏

I've been in this exact situation twice with MOHELA and completely understand the panic! What worked for me both times was calling right at 8 AM with everything documented - bank statement screenshot, reference number, exact amount and date. Both times they found my payment in their "processing queue" and manually applied it within 1-2 business days. One tip I haven't seen mentioned yet: if you made the payment through autopay or saved payment method, sometimes there can be a delay if your bank account info recently changed or if there was any kind of verification hold. When you call, specifically mention if you've had any recent changes to your banking setup. Also, while you're waiting for this to get resolved, take screenshots of your current MOHELA account showing the missing payment AND your bank statement showing the deduction. This creates a clear paper trail in case you need to escalate later. The good news is I've never seen one of these payments actually get "lost" - they always turn up in the system somewhere. It's just a matter of getting the right person to look in the right place. You've got this! 💪

This is absolutely infuriating and I'm so sorry you're going through this! A $3000+ payment disappearing is my worst nightmare. I actually had something similar happen with a $1,800 payment that vanished for almost 2 weeks earlier this year. Here's what I wish I had known from day one: immediately ask your bank for a "payment trace confirmation" showing exactly where your money went - this gives you ammunition when dealing with MOHELA. When you call them, bypass regular customer service and specifically ask for their "Payment Resolution Team" or "Back Office Processing" department. Regular reps literally cannot see stuck payments in their system. Also, don't just check your main account dashboard - log into the "Payment History" section and look at ALL your loans, not just the one you intended to pay. Sometimes their system auto-applies large payments to different loans without telling you. The no confirmation email is definitely a red flag that something went wrong during processing. Take screenshots of everything now - your account showing no payment, your bank showing the debit, everything. File that CFPB complaint TODAY while you're fighting this. Don't wait to see if they resolve it first - having an active complaint creates a paper trail and sometimes gets you prioritized. You've got this - that money is YOURS and they have to find it! Keep us posted! 💪

This is absolutely terrifying! I can't even imagine the stress of having $3000+ just vanish like that. I'm dealing with MOHELA too and their system glitches are getting ridiculous. One thing I haven't seen mentioned yet - check if MOHELA shows any "processing errors" or "failed transaction" notifications anywhere in your account, maybe under a notifications or alerts section? Sometimes their system generates error messages that get buried in random places. Also, when you made the payment through their website, did you get any kind of confirmation page or reference number, even if you didn't get an email? If you remember seeing any numbers or codes, write them down - even partial info can help their tech team track what happened. The fact that so many people here have gone through similar nightmares really shows MOHELA has serious systemic problems. It's both comforting to know you're not alone and absolutely infuriating that they keep letting this happen to people. Stay strong and don't let them wear you down - that's YOUR hard-earned money and they need to find it NOW! Definitely try all the escalation strategies people mentioned here. Rooting for you! 🙏

I've been in a similar situation before! One thing that really helped me was calling MOHELA and specifically asking them to do a "three-way verification" of your personal information - they'll go through your name, SSN, date of birth, and address to make sure everything matches exactly in their system. Sometimes there are tiny discrepancies (like a middle initial or apartment number) that cause the online portal to fail but aren't obvious to you as the user. Also, if you have any old loan documents from when your loans were first disbursed or from previous servicers, bring those with you when you call - the original data entry might have had errors that have been carried forward. While you're getting this sorted out, definitely ask them to put a "system access hold" on your account so you won't get dinged for late payments while their technical issue is being resolved. This is totally their problem to fix, not yours! Stay strong and keep advocating for yourself.

I'm so sorry you're dealing with this! I had a very similar issue with MOHELA where their website couldn't find my SSN but I was still getting payment notices. What ended up working for me was calling early in the morning around 7:30 AM when wait times were shorter, and specifically asking to speak with their "technical support team" rather than general customer service. The tech support rep was able to see that there was a formatting issue in their database where my SSN had been entered without dashes in one system but with dashes in another. She was able to sync the records and I could log in immediately after. Also, make sure you're trying both formats when entering your SSN online - with dashes (###-##-####) and without (########). Sometimes their system is inconsistent about which format it expects. Definitely keep screenshots of every error message and document all your payment attempts. You can also ask them to place a "technical issue hold" on your account while they investigate so you don't get hit with late fees for their mistake. Hang in there - this is absolutely their problem to fix, not yours!