MOHELA vs Renew Guard

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.

Renew Guard is a local-first subscription tracker for people who want clearer visibility into recurring bills before they hit — and who want it without an account, ads, or tracking. Add the services you pay for with cost, category, currency, and renewal date, then use the dashboard, insights, and calendar to stay ahead of every charge. What you can do with Renew Guard: - track recurring services with cost, category, currency, and renewal date - catch free trials with a live countdown and reminders before they convert - see spending insights with charts: monthly and yearly totals, spend by category, and a 12-month projection - use Review Coach to rank the subscriptions most worth checking first, based on renewal timing, trial conversion, price changes, stale review dates, and category concentration - plan with a color-coded renewal calendar that shows a per-day charge total - track each subscription in its own currency and roll totals into your display currency with an editable, offline rate table - watch for hidden price hikes with automatic price-change history and an "it went up" badge - set a monthly budget (and optional per-category caps) and get on-device over-target alerts - Quick Add from a built-in catalog of 100+ popular services - follow 30+ offline step-by-step "how to cancel" guides - tap "Mark as Renewed" after a charge to log the payment and automatically roll the renewal date forward one billing cycle - view per-subscription payment history with a running total of what you have actually paid - export a one-page PDF summary of your entire portfolio, or export your full list to CSV through the share sheet - get local renewal reminders with adjustable lead times, plus a home-screen widget - optionally scan a confirmation screenshot on-device to pre-fill a new entry, or add a renewal to your calendar Renew Guard is a manual tracking and reminder tool. Review Coach is decision support for organizing what to check first; it does not link to your bank, give financial advice, or promise savings. It does not require an account, does not use a developer cloud, and does not include analytics or tracking. Everything runs on your device. VALUE CHECK (NEW) Log real usage with one tap and see cost per use for every subscription over the last 30 days. A ranked Value Check screen shows what earns its keep, what is worth a review, and exactly how much of your monthly total goes to services you have not used.