Comparison

MOHELA vs Sallie Mae

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

MOHELA

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
Read full description

Manage your MOHELA student loans and schedule payments from your mobile phone! MOHELA is dedicated to providing world-class customer service for the students whose loans we manage. As your knowledgeable and approachable go-to resource for account information and repayment options, we provide the tools to help you successfully repay your student loans. MOHELA is here to assist! Headquartered in St. Louis, Missouri, our primary focus is student loan servicing. This app provides MOHELA’s CASHLoans and FFELP loan borrowers with quick and secure account access, payment scheduling/history, form upload capability, tax information, and messaging capabilities.

About

Sallie Mae

Manage your student loans and credit cards conveniently from your mobile device. Check balances, make payments, set up auto-pay, and track loan applications. Secure login options and in-app messaging provide easy access and support.

Highlights
  • View account summary for loans and credit cards
  • Make payments on student loans
  • Set up and manage automatic payments
  • View loan application status
  • Receive payment due notifications
  • Secure login with Touch ID/Face ID
  • Track credit health with FICO Score
Features
Read full description

With a clean look and easy-to-use features, this app is the most convenient way to keep track of your student loans from your mobile devices, anytime, anywhere. It’s simple to check your balances, make payments, view previous transactions, and more. You can also set up and manage automatic loan payments from your bank account, right from the app. You can sign in securely with your Sallie Mae username and password—or Touch ID® or Face ID®—for easy access. Get anytime, anywhere access from your mobile device with these features: • View an account summary for student loans and credit cards from the home screen • Pay the Current Amount Due and make custom payments on student loans • Set up and manage automatic payments from your bank account • View the status of your loan applications • Receive notification when your loan payment is due, past due, or posted • Message our team to get help and answers • Log in quickly with Touch ID or Face ID • Pay your Total Amount Due with Siri® • Track your credit health with a quarterly FICO® Score • Get answers from support with in-app messages • Provide feedback directly to Sallie Mae • Supports dark mode in iOS 13 Note: To manage your Sallie Mae savings accounts, download the Sallie Mae Banking mobile app. Borrowers and cosigners who have an available FICO® Score and a Sallie Mae loan with a current balance greater than $0, may receive their score quarterly after the first disbursement of their loan. The FICO® Score provided to you is the FICO Score 8 based on TransUnion data and is the same score that Sallie Mae uses, along with other information, to manage your account. FICO® Scores and associated educational content are provided solely for your own non-commercial personal review, use, and benefit. This benefit may change or end in the future. FICO® is a registered trademark of the Fair Isaac Corporation in the United States and other countries. Sallie Mae and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Sallie Mae Bank and Fair Isaac do not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. © 2022 Fair Isaac Corporation. All rights reserved. SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. CHECK SALLIEMAE.COM FOR THE MOST UP-TO-DATE PRODUCT INFORMATION. ©2022 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.

Screenshots

MOHELA4 screens
Sallie Mae4 screens

Verdict

The call

MOHELA and Sallie Mae both sit at 4.6 stars, but that hides the real split: 26% of MOHELA's written reviews are positive against 15% of Sallie Mae's. MOHELA also leads on iOS requirement (16.4 vs 18.0). Sallie Mae's advantage is update cadence (every 3 weeks vs every 2 months). On price, rating, ratings volume and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.6 for MOHELA against 4.5 for Sallie Mae. Both are backed by a comparable volume of ratings — 47K and 105K respectively. Written reviews are what separate them: 26% of MOHELA's written reviews are positive against 15% of Sallie Mae's.

UpkeepUpdate frequency

MOHELA ships an update every 2 months, Sallie Mae every 3 weeks. Both last shipped on November 2, 2026.

Scorecard3 real differences · 7 level
MOHELA versus Sallie Mae: the parameters behind the verdict, then further details
ParameterMOHELASallie Mae
PriceFreeFree
Rating4.6 (47K ratings) — better4.5 (105K ratings)
Positive reviews26.1% of reviews — better14.9% of reviews
Number of ratings47K105K — better
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.4 — better18.0
Further details — not scored
Size52 MB93 MB
Age rating4+4+
DeveloperMissouri Higher Education Loan AuthoritySallie Mae, Inc.

Customer experience

MOHELA

All ratings46,734 ratings
Positive90.8%
Neutral2.3%
Negative6.9%
Written reviews153 reviews
Positive26.1%
Neutral3.9%
Negative69.9%

Sallie Mae

All ratings104,105 ratings
Positive87.8%
Neutral2.4%
Negative9.8%
Written reviews363 reviews
Positive14.9%
Neutral3.6%
Negative81.5%

User reviews

MOHELA

From 47K App Store ratings

What we love

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

Room to improve

  • 🐛 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

Sallie Mae

From 105K App Store ratings

What we love

  • 👍 User-friendly app
  • 🚀 Convenient for making payments
  • 🔒 Secure with fingerprint/face ID login
  • 💡 Helpful for tracking loan details

Room to improve

  • 🐛 Glitchy app performance
  • 🤔 Inaccurate loan information
  • 😤 Poor customer service
  • 💸 Predatory loan terms from Sallie Mae

Bugs and requests

MOHELA

Reported bugs

4 issues
  • 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

4 requests
  • 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

Sallie Mae

Reported bugs

3 issues
  • Login issues and endless login loops
  • Incorrect payment processing and late fees
  • Outdated app information not syncing with website

Requested features

4 requests
  • Ability to pay individual loans separately
  • Improved notification system for payments
  • More detailed loan history and analytics
  • Seamless integration with bank accounts

In-app purchases

None

MOHELA

No in-app purchases

None

Sallie Mae

No in-app purchases

Questions

Is MOHELA free?
MOHELA is free to download, with no in-app purchases.
Is Sallie Mae free?
Sallie Mae is free to download, with no in-app purchases.
Which has better reviews, MOHELA or Sallie Mae?
MOHELA is rated higher. MOHELA averages 4.6 out of 5 from 47K ratings, while Sallie Mae averages 4.5 from 105K ratings.
Do MOHELA or Sallie Mae have ads?
Neither MOHELA nor Sallie Mae shows ads.
Which is updated more often, MOHELA or Sallie Mae?
MOHELA ships an update every 2 months, and Sallie Mae every 3 weeks. Most recently, MOHELA was updated on November 2, 2026 and Sallie Mae on November 2, 2026.

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