# Debt Payoff Planner & Tracker vs MOHELA

Debt Payoff Planner & Tracker and MOHELA both sit at 4.7 stars, but that hides the real split: 63% of Debt Payoff Planner & Tracker's written reviews are positive against 26% of MOHELA's. Debt Payoff Planner & Tracker also leads on chart position (#86 vs unranked). MOHELA's advantage is in-app purchases (none vs 5) and ads (none vs shown). On price, rating, update cadence and device support there is nothing between them.

Both are free to download. Debt Payoff Planner & Tracker sells 5 in-app purchases, starting at $6.99 per month. MOHELA asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.7 for Debt Payoff Planner & Tracker against 4.6 for MOHELA. That said, the two scores are not equally well evidenced: MOHELA has 47K ratings behind it against 7.4K, so its average is the more settled of the two. Written reviews are what separate them: 63% of Debt Payoff Planner & Tracker's written reviews are positive against 26% of MOHELA's.

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 26, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner & Tracker | MOHELA |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (7.4K ratings)](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715/reviews)** | [4.6 (47K ratings)](https://appshunter.io/ios/app/mohela/id1082597420/reviews) |
| Number of ratings | 7.4K | **47K** |
| Positive reviews | **63.2% of reviews** | 26.1% of reviews |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | **#86** | — |
| Size | 8 MB | 52 MB |
| Requires iOS | **15.0** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [OxbowSoft LLC](https://appshunter.io/developer/1009323714) | [Missouri Higher Education Loan Authority](https://appshunter.io/developer/1082597419) |

## What reviewers say

### Debt Payoff Planner & Tracker

[App page](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715)

**Currently charting:** #86 Top Grossing · Finance (US App Store)

Create a personalized, step-by-step plan to pay off your loans faster. Input your debt details and budget to see customized repayment schedules and track your progress towards becoming debt-free.

**Highlights:** Customized debt repayment schedule, Debt Snowball payoff strategy, Debt Avalanche payoff strategy, Debt Snowflake payoff strategy, Track loan payments, Budget additional payments, View payoff scenarios

**Features:** Vision Pro support

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 Month Subscription | $6.99 | per month |
| Friends and Family 1 Month | $10.49 | per month |
| 3 Month Subscription | $13.99 | per 3 months |
| 12 Month Subscription | $27.99 | per year |
| Friends and Family 12 Months | $41.99 | per year |

**What reviewers like**

- 💯 Excellent debt tracking and planning
- 🔍 Detailed debt breakdown and payoff timeline
- 🎯 Helps stay motivated and on track
- 👍 Simple and easy to use interface
- 🤑 Affordable premium subscription

**What reviewers complain about**

- 🐛 Occasional app crashes and stability issues
- 📆 Lack of flexible payment frequency options (weekly, bi-weekly)
- 💰 Frustration with premium-only features
- 🔢 Difficulty making changes to existing debt entries
- 💸 Concerns about recurring subscription costs

**Reported bugs**

- App freezes when trying to delete debt entries
- Debt balances not updating correctly after payments
- Inconsistent behavior when entering due dates

**Requested features**

- Add ability to track recurring income and expenses
- Implement biweekly or weekly payment options
- Improve flexibility for editing debt details
- Provide option to export data and reports
- Add support for multiple currencies


### MOHELA

[App page](https://appshunter.io/ios/app/mohela/id1082597420)

Manage your student loans with ease. Schedule payments, view your loan history, upload important documents, and access tax information securely. Get support and repayment options for your student loans.

**Highlights:** Schedule and manage payments, View payment history, Upload forms securely, Access tax information, Secure account access, Messaging capabilities

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 🚀 Convenient payment options
- 🚀 User-friendly interface
- 🚀 Helpful customer service
- 🚀 Straightforward account management

**What reviewers complain about**

- 🐛 Login issues and password reset problems
- 🐛 Inconsistent app functionality
- 🐛 Lack of communication from the company
- 🐛 Difficulty making payments and managing loans
- 🐛 Poor customer service and long wait times

**Reported bugs**

- App crashes and freezes frequently
- Saved bank account information being deleted
- Face ID/biometric login not working consistently
- Confusing error messages and navigation

**Requested features**

- Ability to apply payments directly to principal
- Option to view payment history and loan details within the app
- Improved notification system to keep users informed
- Integration of website features into the mobile app


## Frequently asked questions

### Is Debt Payoff Planner & Tracker free?

Debt Payoff Planner & Tracker is free to download, with in-app purchases available.

### Is MOHELA free?

MOHELA is free to download, with no in-app purchases.

### Which has better reviews, Debt Payoff Planner & Tracker or MOHELA?

Debt Payoff Planner & Tracker is rated higher. Debt Payoff Planner & Tracker averages 4.7 out of 5 from 7.4K ratings, while MOHELA averages 4.6 from 47K ratings.

### Do Debt Payoff Planner & Tracker or MOHELA have ads?

Debt Payoff Planner & Tracker shows ads; MOHELA does not.

### Which is updated more often, Debt Payoff Planner & Tracker or MOHELA?

Debt Payoff Planner & Tracker ships an update every 2 months, and MOHELA every 2 months. Most recently, Debt Payoff Planner & Tracker was updated on October 26, 2026 and MOHELA on October 28, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*