MOHELA is a state-created nonprofit which creates unique privacy considerations. As a quasi-governmental entity, they're subject to some state transparency requirements but also share data extensively with federal agencies, employers (for PSLF verification), and contractors handling the massive account influx.
| Data Type | Collected | Shared | Sold |
|---|---|---|---|
| Employment Certification | Yes | Employers, DoE | No |
| Income Information | Yes | IRS, Dept of Ed | No |
| Previous Servicer Data | Yes (transferred) | Dept of Ed | No |
| Payment History | Yes | Credit Bureaus, DoE | No |
| Communication Records | Yes | Dept of Ed, State | No |
Millions of records were transferred from FedLoan Servicing and other servicers. The security and integrity of data during these massive transfers is unclear, and borrowers weren't given choices about their data moving to MOHELA.
As a PSLF servicer, MOHELA shares extensive data with government agencies including the Department of Education, IRS (for income verification), and employers (for PSLF certification). This creates a comprehensive financial profile.
MOHELA uses numerous contractors to handle the volume of transferred accounts. These contractors have access to borrower data, but the privacy policy provides limited transparency about who these contractors are and their data practices.
As a Missouri state entity, MOHELA is subject to state public records laws. While personal financial data is generally exempt, other account information could potentially be subject to records requests in certain circumstances.
Public Service Loan Forgiveness tracking creates additional privacy considerations: