# MOHELA vs Earnest Mobile

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 (fortnightly vs every 2 months). On price, ads, in-app purchases and monetization model there is nothing between them.

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 fortnightly. The most recent releases landed on November 9, 2026 and November 8, 2026 respectively.

## The numbers

| Metric | MOHELA | Earnest Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (47K ratings)](https://appshunter.io/ios/app/mohela/id1082597420/reviews)** | [1.9 (43 ratings)](https://appshunter.io/ios/app/earnest-mobile/id6738747325/reviews) |
| Number of ratings | **47K** | 43 |
| Positive reviews | **26.1% of reviews** | 10.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Fortnightly** |
| Monetization | Free | Free |
| Size | 52 MB | 41 MB |
| Requires iOS | 16.4 | **15.8.2** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Missouri Higher Education Loan Authority](https://appshunter.io/developer/1082597419) | [Earnest Inc.](https://appshunter.io/developer/1017394222) |

## What reviewers say

### 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


### Earnest Mobile

[App page](https://appshunter.io/ios/app/earnest-mobile/id6738747325)

Manage your student loans conveniently from your mobile device. Track repayment progress, view balances, schedule and make payments, and adjust Auto Pay settings all in one secure platform.

**Highlights:** Track repayment progress, View remaining balance, Schedule and make payments, Edit Auto Pay settings, Update bank account information, Review payment history

**In-app purchases:** none


## Frequently asked questions

### Is MOHELA free?

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

### Is Earnest Mobile free?

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

### Which has better reviews, MOHELA or Earnest Mobile?

MOHELA is rated higher. MOHELA averages 4.6 out of 5 from 47K ratings, while Earnest Mobile averages 1.9 from 43 ratings.

### Do MOHELA or Earnest Mobile have ads?

Neither MOHELA nor Earnest Mobile shows ads.

### Which is updated more often, MOHELA or Earnest Mobile?

MOHELA ships an update every 2 months, and Earnest Mobile fortnightly. Most recently, MOHELA was updated on November 9, 2026 and Earnest Mobile on November 8, 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.*