Comparison

AFmobile® vs MOHELA

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

Head to head
About

AFmobile®

Manage your American Fidelity reimbursement accounts, insurance benefits, and annuities. File and track claims, view policy details, and access account balances. Prepare for enrollment by calculating savings and learning about available benefits.

Highlights
  • File and track claims
  • View policy coverage
  • Access EOBs
  • Check account balance
  • Store receipt images
  • Calculate pre-tax savings
  • Manage personal information
Features
Read full description

AFmobile® Access your American Fidelity reimbursement account(s), insurance benefits, annuities, and enrollment information with AFmobile®. Manage your benefits: File and track claims View policy to see what’s covered Access electronic EOBs Connect to your reimbursement account funds: File claims and check account balance See recent Benefits Debit Card transactions and details Store receipts or other documentation images Stay close to your account: Elect text and email notifications Manage personal information Enroll in direct deposit AFmobile is a great tool when preparing for your enrollment. The app allows you to: Calculate pre-tax savings, Determine how much to contribute to your FSA, and Learn about the importance of benefits and which options are available to you. Your account balance may not reflect recent pending Benefits Debit Card transactions. There is no charge to use AFmobile. Message and data rates may apply. For support with AFmobile, please email us at https://americanfidelity.com/mobile/forms/app-feedback/.

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.

Screenshots

AFmobile®4 screens
MOHELA4 screens

Verdict

The call

The clearest difference is review sentiment: AFmobile® at 84% against MOHELA's 23%. AFmobile® also leads on rating (4.8 vs 4.6). MOHELA's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (15.1 vs 17.0). On price, ratings volume, update cadence 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

AFmobile® holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 83K and 47K respectively. Written reviews point the same way: 84% of AFmobile®'s written reviews are positive against 23% of MOHELA's.

UpkeepUpdate frequency

AFmobile® ships an update monthly, MOHELA every 2 months. Both last shipped on October 15, 2026.

Scorecard4 real differences · 6 level
AFmobile® versus MOHELA: the parameters behind the verdict, then further details
ParameterAFmobile®MOHELA
PriceFreeFree
Rating4.8 (83K ratings) — better4.6 (47K ratings)
Positive reviews84.3% of reviews — better22.9% of reviews
Number of ratings83K — better47K
Update frequencyMonthly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.015.1 — better
Further details — not scored
Size67 MB46 MB
Age rating4+4+
DeveloperAmerican Fidelity Assurance CompanyMissouri Higher Education Loan Authority

Customer experience

AFmobile®

All ratings83,325 ratings
Positive97.8%
Neutral1.6%
Negative0.6%
Written reviews490 reviews
Positive84.3%
Neutral2.4%
Negative13.3%

MOHELA

All ratings46,725 ratings
Positive90.8%
Neutral2.3%
Negative6.9%
Written reviews144 reviews
Positive22.9%
Neutral4.2%
Negative72.9%

User reviews

AFmobile®

From 83K App Store ratings

What we love

  • 🚀 Easy to file claims
  • 👍 User-friendly app
  • 💯 Excellent customer service
  • ⚡️ Fast claim processing
  • 🙌 Convenient mobile options

Room to improve

  • 🐛 Buggy app experience
  • 🤔 Confusing claim submission process
  • ⏱️ Slow response times
  • 🤷‍♀️ Inconsistent information from representatives
  • 📁 Issues with uploading/submitting documents

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

Bugs and requests

AFmobile®

Reported bugs

4 issues
  • App crashing or freezing
  • Incorrect claim information displayed
  • Submitted claims disappearing or not processing
  • Inability to upload all required documents

Requested features

5 requests
  • Allow pasting of information into form fields
  • Improve calendar/date selection functionality
  • Provide more transparency on claim status
  • Add ability to view previously submitted documents
  • Streamline the wellness/cancer claim submission process

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

In-app purchases

None

AFmobile®

No in-app purchases

None

MOHELA

No in-app purchases

Questions

Is AFmobile® free?
AFmobile® is free to download, with no in-app purchases.
Is MOHELA free?
MOHELA is free to download, with no in-app purchases.
Which has better reviews, AFmobile® or MOHELA?
AFmobile® is rated higher. AFmobile® averages 4.8 out of 5 from 83K ratings, while MOHELA averages 4.6 from 47K ratings.
Do AFmobile® or MOHELA have ads?
Neither AFmobile® nor MOHELA shows ads.
Which is updated more often, AFmobile® or MOHELA?
AFmobile® ships an update monthly, and MOHELA every 2 months. Most recently, AFmobile® was updated on October 15, 2026 and MOHELA on October 15, 2026.

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