Missouri Higher Education Loan Authority

Missouri Higher Education Loan Authority (Mohela), a non-profit tax-exempt organization headquartered in Chesterfield, Missouri, operates exclusively as a federal student loan servicing prime contractor to the Department of Education's Office of Federal Student Aid, holding a $16 billion Unified Servicing and Data Solution (USDS) multiple-award IDIQ and participating in the NextGen Enhanced Processing Solution and HCERA-SAFRA Not-For-Profit Servicer Program vehicles. Mohela competes full-and-open without set-asides across all 26 recent prime awards; customer concentration is absolute — 100% of awards and 100% of combined potential value derive from FSA under a single-customer, multi-vehicle posture.

Mohela's concrete capability is federal student loan servicing, operations and maintenance, contact center support, back-office processing, and business process operations modernization across the federal student loan lifecycle. Representative work includes a $306.5 million operations and maintenance delivery order under the USDS IDIQ (awarded April 1, 2026, completing December 31, 2027) for system changes including e-correspondence, consolidation loan processing, and StudentAid.gov portal operations at Washington, DC; a $77.9 million NextGen Enhanced Processing Solution delivery order (awarded November 1, 2024, completing October 31, 2026) for contact center and back-office processing of non-servicing and specialty programs, performed at Mohela's Wildwood, Missouri facility; and a $26.5 million NextGen BPO ramp-up task order (awarded November 5, 2021) that allowed Mohela to begin work across all non-servicing functional areas during the modernization transition.

Mohela holds positions on three named IDVs. Under the USDS IDIQ ($16 billion ceiling, April 25, 2023 to April 24, 2033), five task orders carry $657 million combined potential value and span operations and maintenance, performance readiness, and system go-live support. Under NextGen Enhanced Processing Solution ($1.7 billion vehicle), four task orders total $125.5 million and cover steady-state and ramp-up contact center and back-office work. Under the HCERA-SAFRA Not-For-Profit Servicer Program, fourteen task orders carry $1 billion combined potential value, anchoring Mohela's largest recurring obligation base.

Activity trajectory shows modest volume and stable-to-declining awards per year (one award in 2021, three in 2023–2024, one in 2025–2026), but the dollar footprint is dominated by large-ceiling IDIQs and multi-year delivery orders. Five awards with ultimate completion dates in the next twenty-four months carry combined potential value of $703.6 million, presenting recompete exposure centered on the USDS and NextGen vehicles. SCI-reported invoicing from prime contracts reached $661.2 million across FY2022–FY2024 (FY2022: $119.4 million; FY2023: $291.3 million; FY2024: $250.5 million), with federal FTE deployment across those years ranging from 386 to 762 FTEs at the contract level. Across SCI-reportable prime contracts, government-paid hourly rates ran from a 10th percentile of $25.70/hr through a median of $46.66/hr and a 90th percentile of $66.88/hr, reflecting a labor mix spanning clerical, operational, and senior delivery roles.

Mohela performs approximately 54% of contractor hours on its prime SCI contracts with an in-house workforce; subcontractors perform the remaining share across a roster of 85 named subcontractors, indicating a hybrid delivery model that blends Mohela's core servicing operations with specialized sub-tier contributions.