MOHELA is the Missouri Higher Education Loan Authority. Up to two million federal student loans are being transferred in 2022 from FedLoan Servicing (operated by PHEAA) to MOHELA, so if you receive a notification about your loans, don't panic, it's legitimate. According to Federal Student Aid, borrowers do not need to take any action. All MOHELA transfers will be automatic. Borrowers should receive notification both before and after their loans are transferred.