Comparison

Sallie Mae vs Oops­

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

Head to head
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.

About

Oops­

Gain financial awareness by linking bank accounts to track spending in one place. Sort transactions as you spend and use a dedicated button to identify and review impulse purchases. Build awareness to become a better spender.

Highlights
  • Link unlimited bank accounts
  • Track all spending in one place
  • Sort transactions in real-time
  • Identify impulse purchases
  • Review spending habits
  • Build financial awareness
Read full description

Oops enables you with financial awareness.  Please note: Oops will encrypt your financial data and store it securely. Oops will never have access to your bank credentials. LINK: Link as many bank accounts as you want to keep track of all your spending in one place. SORT: Sort transactions as you spend. You can always be on top of your spending. OOPS: Press the Oops button to catch an impulse purchase or something you regret buying. Stay accountable and see how much money you may be wasting each month. REVIEW: Build awareness and become a better spender. - Oops Gold users have access to Unlimited Transactions Refreshes Oops Gold is a paid renewable subscription. - Terms of service: https://www.oops.app/tos/ Privacy policy: https://www.oops.app/privacy/

Screenshots

Sallie Mae4 screens
Oops­3 screens

Verdict

The call

The clearest difference is rating: Sallie Mae at 4.5 against Oops­'s 3.7. Sallie Mae also leads on in-app purchases (none vs 8) and ratings volume (104K vs 2.5K). Oops­'s advantage is update cadence (every 2 days vs every 3 weeks) and review sentiment (32% vs 15%). On price, ads and device support 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. Oops­ sells 8 in-app purchases, starting at $3.99 per month. Sallie Mae asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Sallie Mae holds the better App Store score, 4.5 against 3.7. That said, the two scores are not equally well evidenced: Sallie Mae has 104K ratings behind it against 2.5K, so its average is the more settled of the two. Written reviews complicate that: 15% of Sallie Mae's written reviews are positive against 32% of Oops­'s, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Sallie Mae ships an update every 3 weeks, Oops­ every 2 days. The most recent releases landed on October 15, 2026 and October 14, 2026 respectively.

Scorecard7 real differences · 3 level
Sallie Mae versus Oops­: the parameters behind the verdict, then further details
ParameterSallie MaeOops­
PriceFreeFree
Rating4.5 (104K ratings) — better3.7 (2.5K ratings)
Positive reviews15.1% of reviews31.6% of reviews — better
Number of ratings104K — better2.5K
Update frequencyEvery 3 weeksEvery 2 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad — betteriPhone
Requires iOS18.016.0 — better
Further details — not scored
Size93 MB133 MB
Age rating4+4+
DeveloperSallie Mae, Inc.Oops Finance, Inc.

Customer experience

Sallie Mae

All ratings104,105 ratings
Positive87.8%
Neutral2.4%
Negative9.8%
Written reviews350 reviews
Positive15.1%
Neutral3.4%
Negative81.4%

Oops­

All ratings2,471 ratings
Positive65.0%
Neutral4.4%
Negative30.6%
Written reviews155 reviews
Positive31.6%
Neutral9.0%
Negative59.4%

User reviews

Sallie Mae

From 104K 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

Oops­

From 2.5K App Store ratings

What we love

  • 🎨 Visually appealing and intuitive interface
  • 🕹️ Fun and engaging way to track spending
  • 🔍 Comprehensive transaction categorization
  • 🤝 Ability to share spending with friends

Room to improve

  • 🚫 App no longer works or has stopped functioning
  • 💰 Excessive paywalls and subscription requirements
  • 🔒 Concerns about security and data privacy
  • 🔁 Frequent disconnections from bank accounts

Bugs and requests

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

Oops­

Reported bugs

3 issues
  • Transactions disappearing or not syncing properly
  • Inability to log in or access account information
  • Glitches during onboarding and setup process

Requested features

4 requests
  • Custom spending categories
  • Budgeting and goal-setting tools
  • Integration with more financial institutions
  • Improved customer support and responsiveness

In-app purchases

None

Sallie Mae

No in-app purchases

8 purchases

Oops­

Subscriptions7
  • Oops Gold$3.991 Month
  • Pro Weekly3 Days trial$4.997 Days
  • Oops Pro$4.991 Month
Show 4 more
  • Pro Monthly3 Days trial$6.991 Month
  • Oops Gold$9.991 Month
  • Annual $39.99$39.991 Year
  • Oops Pro Annual$59.991 Year
One-time1
  • First Time Connection$3.99

Questions

Is Sallie Mae free?
Sallie Mae is free to download, with no in-app purchases.
Is Oops­ free?
Oops­ is free to download, with in-app purchases available.
Which has better reviews, Sallie Mae or Oops­?
Sallie Mae is rated higher. Sallie Mae averages 4.5 out of 5 from 104K ratings, while Oops­ averages 3.7 from 2.5K ratings.
Do Sallie Mae or Oops­ have ads?
Neither Sallie Mae nor Oops­ shows ads.
Which is updated more often, Sallie Mae or Oops­?
Sallie Mae ships an update every 3 weeks, and Oops­ every 2 days. Most recently, Sallie Mae was updated on October 15, 2026 and Oops­ on October 14, 2026.

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