# MOHELA vs PolicyZen

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.

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 28, 2026 and October 8, 2026 respectively.

## The numbers

| Metric | MOHELA | PolicyZen |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (47K ratings)](https://appshunter.io/ios/app/mohela/id1082597420/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/policyzen/id6752961222/reviews)** |
| Number of ratings | **47K** | 2 |
| Positive reviews | 26.1% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 3 days** |
| Monetization | **Free** | Freemium |
| Size | 52 MB | 32 MB |
| Requires iOS | 16.4 | **15.1** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Missouri Higher Education Loan Authority](https://appshunter.io/developer/1082597419) | [PolicyZen](https://appshunter.io/developer/1841961279) |

## What reviewers say

### 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


### PolicyZen

[App page](https://appshunter.io/ios/app/policyzen/id6752961222)

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.

**Highlights:** AI-powered coverage questions, Centralized policy storage, Automatic document data extraction, Renewal date tracking and notifications, Agent contact information, Family plan option

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium monthly | $7.99 | per month |
| Family | $12.99 | per month |
| Annual | $59.99 | per year |


## Frequently asked questions

### Is MOHELA free?

MOHELA is free to download, with no in-app purchases.

### Is PolicyZen free?

PolicyZen is free to download, with in-app purchases available.

### Which has better reviews, MOHELA or PolicyZen?

PolicyZen is rated higher. MOHELA averages 4.6 out of 5 from 47K ratings, while PolicyZen averages 5.0 from 2 ratings.

### Do MOHELA or PolicyZen have ads?

Neither MOHELA nor PolicyZen shows ads.

### Which is updated more often, MOHELA or PolicyZen?

MOHELA ships an update every 2 months, and PolicyZen every 3 days. Most recently, MOHELA was updated on October 28, 2026 and PolicyZen on October 8, 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.*