MOHELA login broken? SSN not recognized, can't make student loan payment. Help!

Ugh, MOHELA's website is the worst! I had a similar issue last month. Have you tried clearing your browser cache and cookies? Sometimes that helps. If not, you might need to call them directly and speak to a rep to verify your account info.

I found a method to get someone on the phone. I used this site's (claimyr.com) calling tool that dials the phone menu, stays on hold, waits for a live agent to pick up, then sends the call to my phone. It does cost $20, but it works. Here's a video explaining it: https://youtu.be/kfgsWnbb8cU

Have you checked if your loan was transferred? Sometimes MOHELA takes over loans from other servicers and there can be a gap where your info doesn't work. Happened to me last year and it was a HUGE headache 😤

OK, listen up because I've been through this rodeo before. Here's what you need to do: 1. Double-check all your personal info. Sometimes even a small typo in your address can mess things up. 2. If you're sure everything's correct, request a manual account review. You can do this by sending a secure message through their website (if you can access that part) or by mailing a letter. 3. In the meantime, you can make payments by phone or mail. It's old school, but it works. 4. If all else fails, file a complaint with the CFPB. That usually lights a fire under them. 5. Document EVERYTHING. Every call, every letter, every failed login attempt. You might need it later. Hang in there, OP. The system's a mess, but you'll get it sorted eventually! 💪

lol welcome to the wonderful world of student loans 🤡 where nothing works and we're all drowning in debt

Have you tried turning it off and on again? 😂 jk jk... but seriously, sometimes their site goes down for maintenance. Maybe try again in a few hours?

This happened to me too! Turns out they had my birthday wrong in their system. One digit off and suddenly I didn't exist 🙄 Def call them and verify ALL your info.

Unpopular opinion: maybe this is a sign from the universe that you shouldn't pay your loans 👀 (I'm kidding, please don't do this, it'll wreck your credit

PSA: Always keep copies of your loan documents! I learned this the hard way. Makes it easier to prove your case when stuff like this happens.

Been there! MOHELA's system is notorious for these issues. A few things that worked for me: 1) Try using different browsers (Chrome vs Firefox vs Safari) - sometimes their site has compatibility issues. 2) Make sure you're using the EXACT SSN format they expect (with or without dashes). 3) If you recently moved or changed any personal info, that might be causing the mismatch. 4) As a last resort, you can make payments by phone at 1-888-866-4352, though there's usually a small fee. Don't stress too much - this is unfortunately super common with their platform. You'll get it sorted! 🤞

I've been dealing with MOHELA for years and their system is absolutely terrible. Here's what usually works for me when this happens: First, try using your SSN without any dashes or spaces - sometimes their system is picky about formatting. Also, make sure you're using the exact email address you originally registered with (not a forwarded one). If you've moved recently or changed your name, that could be causing the issue too. In the meantime, you can still make payments by calling their automated phone system at 1-888-866-4352 - there's usually a small processing fee but at least you won't be late. I'd also recommend setting up autopay once you get back in, because dealing with their login issues every month is a nightmare. Good luck! 🤞

Oh no, this is so frustrating! I went through something similar a few months ago. Here's what ended up working for me: First, try logging in using just your SSN with no dashes or spaces - their system can be really picky about formatting. Also, double-check that you're using the exact email address you originally signed up with (not a forwarded email). If you recently moved or had any name changes, that could be causing the mismatch too. While you're troubleshooting, you can still make your payment by calling their automated line at 1-888-866-4352 - there's usually a small fee but it beats being late on your payment. I'd also suggest trying different browsers (Chrome, Firefox, Safari) since their website sometimes has compatibility issues. If none of that works, definitely file a complaint with the CFPB like Diego suggested - that really does light a fire under them! Document everything and don't give up. MOHELA's system is notoriously glitchy but you'll get through this! 💪

I feel your pain! MOHELA's system has been acting up a lot lately. I had the exact same issue last week - couldn't log in with my SSN or email, kept getting "no account found" errors. What finally worked for me was using a completely different device (switched from my laptop to my phone) and trying during off-peak hours (like early morning or late evening). Their servers seem to get overloaded during business hours. Also, make sure you're going to the right URL - I accidentally ended up on an old cached version of their site once and wasted hours trying to log in there! If you're still stuck, try the "forgot password" option even if you know your password is correct - sometimes it forces a system refresh that fixes these glitches. Hang in there, you're definitely not alone in this struggle! 😤

This is such a common issue with MOHELA - you're definitely not alone! I went through this exact nightmare about 6 months ago. Here's what I learned from my experience: 1) Try using your SSN in different formats (with dashes, without dashes, with spaces) - their system is incredibly finicky about this. 2) Clear your browser data completely and try in an incognito/private window. 3) If you've had any recent address changes or name updates, that could be causing the mismatch. 4) Try accessing the site at different times - their servers get overwhelmed during peak hours. In the meantime, you can make payments through their automated phone line to avoid late fees. I know it's frustrating, but don't give up! Once you get back in, I'd highly recommend setting up autopay so you don't have to deal with their broken login system every month. Keep us updated on what works for you! 🤞

Ugh, this exact thing happened to me last month! MOHELA's system is absolutely broken. What worked for me was trying my SSN in every possible format - with dashes, without dashes, with spaces, etc. Turns out they were expecting it without any formatting at all. Also try using a different browser or clearing your cache completely. In the meantime, you can make payments over the phone at 1-888-866-4352 (there's a small fee but better than being late). Their customer service is terrible but if you call right when they open at 8am you might actually get through to someone. Document everything in case you need to file a CFPB complaint later. This whole system is a joke but you'll get it sorted eventually! 😤

I just went through this exact same nightmare last week! MOHELA's login system is absolutely terrible. Here's what finally worked for me after days of frustration: Try your SSN without any dashes or spaces first - their system is super picky about formatting. Also, make sure you're using the exact email you originally registered with (not any forwarded addresses). If you've moved recently or had any name changes, that could definitely be causing the issue. While you're troubleshooting, you can still make your payment by calling 1-888-866-4352 to avoid any late fees - there's usually a small processing fee but it's worth it for peace of mind. I'd also try accessing their site during off-peak hours like early morning or late evening since their servers get overloaded during the day. Once you finally get back in (and you will!), definitely set up autopay so you don't have to deal with this broken login system every month. Hang in there - this is unfortunately super common with MOHELA but it does get resolved eventually! 💪

I am having the same problem

Same boat here! Just dealt with this exact issue two weeks ago. Here's what worked for me: 1) Try your SSN without any formatting (no dashes, spaces, nothing) - MOHELA's system is ridiculously picky about this. 2) Use the exact email you registered with originally, not any forwarded ones. 3) Clear your browser completely and try in incognito mode. 4) If you've had any recent address changes or moved, that could be the culprit too. In the meantime, you can make payments by phone at 1-888-866-4352 (small fee but beats late payments). Pro tip: call right at 8am when they open for the shortest hold times. Their system is honestly garbage but you'll get through it! Once you're back in, definitely set up autopay so you don't have to deal with this monthly headache. Document everything just in case you need to file a CFPB complaint later. You got this! 💪

I'm dealing with this exact same issue right now! Been trying to log in for the past two days with no luck. What's really frustrating is that I can see my loan balance when I call their automated line, so I know the account exists, but the website acts like I don't exist. I tried the SSN without dashes trick that everyone's mentioning and still nothing. Has anyone had success reaching them through social media? Sometimes companies respond faster on Twitter when you call them out publicly 😏

I'm going through this exact same nightmare right now! Been locked out for 3 days and it's driving me insane. Based on everyone's advice here, I'm going to try the SSN without dashes first thing tomorrow morning, then work through all the other formatting options. It's honestly mind-blowing that in 2025 we're still dealing with systems this broken - like, how hard is it to build a functional login page? 🤦‍♂️ Really appreciate everyone sharing their experiences though, makes me feel way less alone in this mess. Definitely saving that phone number for backup payments. Once I finally get back in (fingers crossed), autopay is happening immediately so I never have to deal with this again!

I'm dealing with this exact same issue right now! Been trying to log in for the past hour with no luck. Reading through all these responses is both reassuring (I'm not alone!) and infuriating (how is their system THIS broken?). I'm going to try the SSN without dashes trick first, then work through clearing cache and trying different browsers. The phone payment backup at 1-888-866-4352 is clutch - thank you everyone for sharing that! It's wild that we need a whole troubleshooting guide just to access our own loan accounts. MOHELA really needs to get their act together 😤

OMG this thread is giving me PTSD flashbacks! I went through this exact same nightmare about 3 months ago and it took me almost 2 weeks to get it resolved. Here's what finally worked for me after trying literally everything: 1) The SSN formatting thing is 100% real - try it with no dashes, no spaces, exactly 9 digits 2) Make sure your browser isn't auto-filling any fields with saved info that might be slightly off 3) Try logging in at like 6 AM or really late at night when their servers aren't dying 4) If you've EVER had any name changes (even hyphenated names), that can mess things up The thing that actually solved it for me was calling them and having them manually reset my online account profile. Took 45 minutes on hold but the rep was able to see that my account existed but there was some weird data mismatch in their system. In the meantime, definitely use that phone payment line - the $3 fee is worth not stressing about late payments. And yes, once you get back in, SET UP AUTOPAY immediately! I learned my lesson and never want to deal with their broken login again 😅 Hang in there - this is frustratingly common but it does get resolved eventually!

Just wanted to add my experience to this thread! I had the exact same issue last month and what worked for me was actually logging out of ALL my other accounts first (bank, email, etc.) then clearing my entire browser cache and cookies, restarting my browser completely, and THEN trying to log into MOHELA. Apparently their system gets confused if you have too many financial sites open at once? Makes no sense but it worked! Also, try typing your SSN super slowly - I know it sounds weird but I swear their system times out if you type too fast. The whole thing is absolutely ridiculous but at least we're all suffering together 😂 Hope some of these tricks help!