MOHELA vs PolicyZen
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Schedule and manage payments
- View payment history
- Upload forms securely
- Access tax information
- Secure account access
- Messaging capabilities
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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.
PolicyZen
This app uses AI to help you understand your insurance policies. Upload documents to ask questions about your coverage, store all your policies in one place, and get notified about renewals. It provides personalized answers based on your actual policy details.
- AI-powered coverage questions
- Centralized policy storage
- Automatic document data extraction
- Renewal date tracking and notifications
- Agent contact information
- Family plan option
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Policyzen is the AI-powered insurance wallet that finally makes sense of your coverage. Stop digging through PDFs trying to figure out what's covered. Upload your policies once — then just ask. ASK ANYTHING ABOUT YOUR COVERAGE • "Does my car insurance cover towing?" • "What's my health insurance deductible?" • "Is this prescription covered?" • "When does my policy expire?" PolicyZen reads your actual policy documents — not generic insurance info — to give you accurate, personalized answers about YOUR coverage. ALL YOUR INSURANCE IN ONE PLACE Store every policy in a single organized app: health, auto, home, dental, disability, life, professional liability, and more. SMART DOCUMENT READING Upload a PDF or snap a photo of your insurance card. PolicyZen automatically extracts your coverage limits, deductibles, effective dates, and policy numbers. NEVER MISS A RENEWAL Track expiration dates and get notified before you're left without coverage. AGENT CONTACT AT YOUR FINGERTIPS Your agent's name, company, phone, and email — one tap to call or email when you need them. PREMIUM PLAN Upgrade for unlimited policies and unlimited AI questions: • $7.99/month • $59.99/year (save 37%) • $12.99/month for the whole family Free plan: 2 policies · 5 AI questions/month --- Payment charged to Apple ID at purchase confirmation. Subscriptions auto-renew unless canceled 24+ hours before period end. Manage subscriptions in App Store account settings. Terms of Use: https://policyzen.ai/terms
Screenshots
Verdict
The clearest difference is review sentiment: PolicyZen at 100% against MOHELA's 26%. PolicyZen also leads on update cadence (every 3 days vs every 2 months) and rating (5.0 vs 4.6). MOHELA's advantage is in-app purchases (none vs 3) and ratings volume (47K vs 2). On price, ads, device support and iOS requirement 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
Both are free to download. PolicyZen sells 3 in-app purchases, starting at $7.99 per month. MOHELA asks for nothing beyond the download.
PolicyZen holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: MOHELA has 47K ratings behind it against 2, 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 100% of PolicyZen's.
MOHELA ships an update every 2 months, PolicyZen every 3 days. The most recent releases landed on October 27, 2026 and October 8, 2026 respectively.
| Parameter | MOHELA | PolicyZen |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (47K ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 26.1% of reviews | 100.0% of reviews — better |
| Number of ratings | 47K — better | 2 |
| Update frequency | Every 2 months | Every 3 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Freemium |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.4 | 15.1 — better |
| Further details — not scored | ||
| Size | 52 MB | 32 MB |
| Age rating | 4+ | 4+ |
| Developer | Missouri Higher Education Loan Authority | PolicyZen |
Customer experience
MOHELA
PolicyZen
Bugs and requests
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
PolicyZen
Not enough reviews yet to summarise bugs or requests.
In-app purchases
MOHELA
No in-app purchases
PolicyZen
- Premium monthly$7.991 Month
- Family$12.991 Month
- Annual$59.991 Year
