MOHELA nightmare: Endless hold times and no answers. Help!

Ugh, MOHELA is the worst! I've been dealing with them for months now. It's like they don't want us to actually talk to a real person. Have you tried calling early in the morning? Sometimes that works for me.

I feel your pain, OP. MOHELA has been a nightmare to deal with lately. Have you tried reaching out to them on social media? Sometimes that gets their attention faster than calling.

Guys, I found a way to actually get someone on the phone! I used this site called claimyr.com - it's a calling tool that dials the phone menu, stays on hold, and then connects you when a live agent picks up. It costs $20, but it saved me hours of frustration. Here's a video about how it works: https://youtu.be/kfgsWnbb8cU

Here's what I've learned from dealing with MOHELA: 1. Be persistent. Keep calling, even if you get disconnected. 2. Document everything. Write down who you talked to, when, and what they said. 3. Check your online account regularly for updates. 4. If you're not getting anywhere, consider filing a complaint with the CFPB. 5. Join the r/StudentLoans subreddit for more specific advice. Hang in there, OP. It's a frustrating process, but you'll get through it!

am i the only 1 who thinks its crazy we gotta jump thru all these hoops just to talk about the loans THEY gave us??? 🤔 make it make sense

Has anyone else noticed that MOHELA's website is always "under maintenance" when you need it most? I swear they do this on purpose to avoid dealing with us 🙄

Pro tip: if you can't get through on the phone, try faxing them. I know it sounds ancient, but I actually got a response within 48 hours after sending a fax. Here's their fax number: 866-222-7060

I've been dealing with MOHELA for years now, and honestly, sometimes I feel like I'm screaming into the void. Anyone else just completely burnt out from all this?

Hey OP, have you checked if you're eligible for any of the new repayment plans or forgiveness programs? With all the changes lately, you might have some options you didn't know about.

I feel you OP! MOHELA is absolutely terrible to deal with. One thing that worked for me was calling their dedicated forbearance/deferment line instead of the main customer service number - it's 1-888-866-4352. The wait times are usually shorter there, and if they can't help with your specific issue, they can transfer you to someone who can. Also, try calling right after lunch around 1-2 PM - seems like they're more staffed then. Good luck! 🤞

I've been in the same boat with MOHELA - it's absolutely maddening! What helped me was keeping a detailed log of every call attempt (date, time, how long I waited, outcome). When I finally got through to someone, having that documentation ready made the conversation much more productive. Also, if you're dealing with a specific issue like payment processing or account errors, ask to speak to a supervisor right away instead of wasting time with the first-level rep who probably can't help anyway. And definitely seconding what others said about filing a CFPB complaint - that seems to light a fire under them like nothing else does. Hang in there, you're not alone in this struggle! 💪

OP, I totally get your frustration! I've been dealing with MOHELA for over a year now and it's been an absolute nightmare. One thing that's helped me is calling their main line at 8 AM Eastern sharp - like literally at 8:00:00 AM. The wait times are still brutal but at least you're at the front of the queue. Also, I've found that if you press 0 repeatedly during the phone menu, it sometimes bypasses the automated system and gets you to a human faster. Another tip: if you get disconnected (which happens ALL the time), immediately call back and tell them you were just disconnected - they can sometimes see the previous call attempt in their system and prioritize you. It's ridiculous that we have to play these games just to talk to them about our own loans, but unfortunately that's the reality we're dealing with. Stay strong! 💪

I'm so sorry you're going through this too! MOHELA has been incredibly frustrating for me as well. One thing that actually worked for me was using their online chat feature late at night (around 10-11 PM) - there's usually less of a queue then and I've had better luck getting through to someone who can actually help. Also, if you're dealing with payment issues specifically, try emailing them at help@mohela.com with "URGENT" in the subject line and include your account number. They seem to respond to emails faster than they answer phones sometimes. It's absolutely ridiculous that we have to jump through all these hoops, but unfortunately that's the reality with them. Don't give up - keep pushing and document everything! You've got this! 💪

OMG I'm so glad I found this thread! I've been losing my mind trying to reach MOHELA for the past three weeks. Their hold music is literally haunting my dreams at this point 😭 I've tried calling at different times, using their website (when it's actually working), and I'm at my wit's end. Reading through all these comments is both reassuring and terrifying - reassuring that I'm not alone in this nightmare, but terrifying that this seems to be the norm for them. Definitely going to try some of these strategies you all mentioned. The claimyr.com thing sounds interesting even though paying $20 to talk to someone about my own loan is absolutely insane. Also going to try that 8 AM sharp calling strategy and the late night chat option. Thank you all for sharing your experiences and tips - this community is literally a lifesaver right now! 🙏

I've been lurking here for a while dealing with my own MOHELA horror story, and this thread is exactly what I needed to see! I thought I was going crazy with these endless hold times. Just wanted to add that I've had some success calling their payment processing line at 1-888-866-4351 instead of the main number - sometimes they can help with general account questions too and the wait is usually shorter. Also, for anyone considering that claimyr service, I actually tried it last month and it worked exactly as advertised. Yeah, it sucks having to pay $20 just to talk to them, but honestly my sanity was worth more than that at that point. The whole system is completely broken and it's infuriating that we have to resort to these workarounds just to manage our own loans. Hang in there everyone - we shouldn't have to be customer service detectives just to pay our bills! 😤

I'm so sorry you're dealing with this too! I've been battling MOHELA for months now and it's absolutely exhausting. One thing that's helped me recently is calling their technical support line at 1-888-866-4353 - I know it sounds weird for loan questions, but sometimes they can transfer you internally and you skip some of the main queue. Also, I started keeping a spreadsheet of every call attempt with timestamps, and when I finally got through, the rep was actually impressed by my documentation and seemed more willing to help. The whole situation is ridiculous though - we shouldn't need to become customer service ninjas just to talk about our own loans! Keep pushing, and don't let them wear you down. Sometimes persistence is the only thing that works with them. 💪

Ugh, I feel this so hard! 😫 Just wanted to add another strategy that worked for me - I started calling right when they open at 8 AM but from different time zones. So if you're on the West Coast, call at 5 AM your time when it's 8 AM Eastern. Sounds brutal but the wait times are way shorter and you're more likely to get someone who isn't completely burnt out yet. Also, if you have to leave a voicemail anywhere in their system, be VERY specific about your issue and include your account number - I've actually gotten callbacks that way, which shocked me. The whole system is absolutely broken and it's insane that we're all here sharing war stories just to talk to them about our own money. But this thread gives me hope that I'm not losing my mind! We really shouldn't have to be customer service hackers just to manage our loans 🤦‍♀️

This thread is a goldmine of information! I've been struggling with MOHELA for weeks now and was starting to think I was the problem. Reading everyone's experiences and tips has been both validating and incredibly helpful. I'm definitely going to try the 8 AM sharp calling strategy and that technical support line workaround. It's absolutely ridiculous that we need a whole strategy guide just to contact our loan servicer, but I'm grateful this community exists to share these hard-won tips. The fact that so many people are having the exact same experience really shows how broken their system is. Thanks to everyone for sharing - you've given me hope that there might actually be a way through this nightmare! 🙏

I've been dealing with MOHELA for about 8 months now and honestly, this thread is like finding a treasure chest of survival tips! 😭 I can't believe we all have to become customer service ninjas just to talk about our own loans. One thing I discovered recently is that if you call their main number and immediately press * then 0 during the greeting message, it sometimes bypasses part of the menu system. Also, I've had luck calling at exactly 12:01 PM - seems like that's when they come back from lunch break and there's a brief window before the afternoon rush hits. The whole situation is absolutely insane though. I shouldn't have to study their phone system like it's a final exam just to make a payment or ask a simple question! Thanks everyone for sharing your experiences - at least we're all suffering through this together 💪

This whole thread is incredible - I feel like I've found my people! 😭 I've been trying to reach MOHELA for over a month about a payment allocation error and was starting to lose my sanity. The fact that we're all here sharing phone system "hacks" like we're trying to break into Fort Knox just to talk about our own loans is absolutely wild. I'm definitely going to try the 8 AM sharp strategy and that * then 0 trick tomorrow. Has anyone had success with their callback feature? I requested one last week but I'm not holding my breath. It's honestly comforting to know I'm not alone in this nightmare, even though it's terrifying that this is just... normal for them apparently. Thank you all for sharing your hard-won wisdom - you're literally lifesavers! 🙏