# AFmobile® vs MOHELA

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.

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

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.

AFmobile® ships an update monthly, MOHELA every 2 months. The most recent releases landed on October 16, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | AFmobile® | MOHELA |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (83K ratings)](https://appshunter.io/ios/app/afmobile/id642876991/reviews)** | [4.6 (47K ratings)](https://appshunter.io/ios/app/mohela/id1082597420/reviews) |
| Number of ratings | **83K** | 47K |
| Positive reviews | **84.3% of reviews** | 22.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 67 MB | 46 MB |
| Requires iOS | 17.0 | **15.1** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [American Fidelity Assurance Company](https://appshunter.io/developer/642876994) | [Missouri Higher Education Loan Authority](https://appshunter.io/developer/1082597419) |

## What reviewers say

### AFmobile®

[App page](https://appshunter.io/ios/app/afmobile/id642876991)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

- 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

[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


## Frequently asked 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 16, 2026 and MOHELA on October 15, 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.*