MOHELA vs Earnest Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Schedule and manage payments
- View payment history
- Upload forms securely
- Access tax information
- Secure account access
- Messaging capabilities
Read full descriptionHide 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.
Earnest Mobile
Easily manage your student loans on the go. Track repayment progress, view balances, make payments, and adjust Auto Pay settings from a single, convenient platform.
- Track repayment progress
- View loan balances
- Make and schedule payments
- Manage Auto Pay settings
- Update profile information
- Review payment history
Read full descriptionHide full description
Managing your student loans just got easier with the Earnest app. Log in from anywhere at any time to track your progress, make payments, edit Auto Pay settings, and more, all in one place. Review your loans at a glance: - Track your repayment progress - Check your remaining balance - See your next scheduled payment Manage your payments: - Make payments and schedule future payments - Make extra payments - Review payment history - See your upcoming payments Edit your Auto Pay settings: - Enroll in Auto Pay - Change Auto Pay amount, frequency, and bank account - Cancel Auto Pay Update your information: - View your profile - Update your bank account info We’re always making improvements to create the most seamless experience for our clients, so stay tuned for new features.
Screenshots
Verdict
The clearest difference is rating: MOHELA at 4.6 against Earnest Mobile's 1.9. MOHELA also leads on ratings volume (47K vs 43) and review sentiment (26% vs 10%). Earnest Mobile's advantage is update cadence (every 2 weeks vs every 2 months). On price, ads, in-app purchases and monetization model 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
MOHELA holds the better App Store score, 4.6 against 1.9. That said, the two scores are not equally well evidenced: MOHELA has 47K ratings behind it against 43, so its average is the more settled of the two. Written reviews point the same way: 26% of MOHELA's written reviews are positive against 10% of Earnest Mobile's.
MOHELA ships an update every 2 months, Earnest Mobile every 2 weeks. The most recent releases landed on October 29, 2026 and October 28, 2026 respectively.
| Parameter | MOHELA | Earnest Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (47K ratings) — better | 1.9 (43 ratings) |
| Positive reviews | 26.1% of reviews — better | 10.3% of reviews |
| Number of ratings | 47K — better | 43 |
| Update frequency | Every 2 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.4 | 15.8.2 — better |
| Further details — not scored | ||
| Size | 52 MB | 41 MB |
| Age rating | 4+ | 4+ |
| Developer | Missouri Higher Education Loan Authority | Earnest Inc. |
Customer experience
MOHELA
Earnest Mobile
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
Earnest Mobile
Not enough reviews yet to summarise bugs or requests.
In-app purchases
MOHELA
No in-app purchases
Earnest Mobile
No in-app purchases
