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Best Federal Loan Apps

245+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated September 2026

MOHELA is the household name in federal loan, but it's far from the only option. We track 245+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Federal Loan Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1MOHELAMOHELAFree4.6★ (47K)NoNoSep 2026
2Sallie MaeSallie MaeFree4.5★ (102K)NoNoSep 2026
3Personal Loans Student GuidePersonal Loans Student GuideFree4.5★ (24)NoYesAug 2026
4Fedfina LoansFedfina LoansFree—YesNoAug 2026
5AES Student LoansAES Student LoansFree4.6★ (16K)NoNoSep 2026
6Navy Federal Credit UnionNavy Federal Credit UnionFree4.9★ (815K)NoNoSep 2026
7Third Federal Savings & LoanThird Federal Savings & LoanFree4.8★ (4.3K)NoNoSep 2026
8Home Federal Bank GI MobileHome Federal Bank GI MobileFree4.8★ (769)YesNoSep 2026

Top Picks for Federal Loan

MOHELA#1

MOHELA by Missouri Higher Education Loan Authority

Editor's Choice
💰 Finance
4.6😞(47K ratings)
Free
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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.

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
Sallie Mae#2

Sallie Mae by Sallie Mae, Inc.

Manage your Sallie Mae account
Strong Contender
💰 Finance
4.5😞(102K ratings)
Free
Sallie Mae screenshot 1
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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.

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

More Federal Loan apps to explore

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FAQ about Federal Loan

What are the best federal loan apps for iPhone?
MOHELA tops our federal loan apps ranking as of September 2026, with a 4.6-star average from 47K App Store ratings, and it's free to download.
Yes — 20 of the top federal loan apps we rank are free to download, including MOHELA and Sallie Mae.
MOHELA has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 245+ federal loan apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
The MOHELA app allows you to manage your student loans on your mobile phone. You can schedule payments, view your payment history, upload necessary forms, access tax information, and communicate with MOHELA through secure messaging.
This app is specifically designed for borrowers who have CASHLoans and FFELP student loans serviced by MOHELA. It provides them with convenient tools to manage their accounts and repayment.