Mos is a financial technology company that helps students search for scholarships and apply for various federal and state student aid programs.

The company began as a student banking alternative, offering a spending account with a rewards debit card, but it has since pivoted solely to student aid and scholarship services.

We explain how Mos works, including its key features and pricing, and let you know whether we think its worth using.

What Is Mos?

Mos is a scholarship search website that offers access to a large pool of scholarships and help from a personal advisor (optional) to help you maximize scholarship and financial aid opportunities.

What Does It Offer?

Mos offers an interesting mix of features that college students can take advantage of. Here’s what stands out about Mos.

Scholarship Directory

Mos offers a directory of over 20,000 scholarships. You don’t need an account to browse the directory, but by signing up, MOS can match you to scholarships that give you the best chance of winning. The Mos directory includes dozens of filters to narrow your scholarship search. For example, you can search by low, medium, and high effort, no essay, college, major, scholarship amount, and more.

Financial Aid Support

Need help completing the FAFSA? Mos offers an AI advisor that can answer questions and assist with filling out financial aid applications as well as essay drafts. If you need more personalized support, you can sign up for Mos Premium for $9.99 per month. This unlocks access to a human advisor who can support you through the financial aid process. According to Mos, Premium subscribers receive an extra $3,000 in financial support on average.

Mos Plans

Mos’s basic service (Standard) is free, but you can unlock more personalized service with a Premium subscription, which costs $9.99 monthly. Here’s what’s included with each tier:

Standard (Free)

• Private scholarships
• AI Advisor
• Instant AI Essay Drafts

Premium ($9.99/month)

• Private scholarships
• Institutional scholarships
• Maximize state grants
• Maximize FAFSA
• AI Advisor
• Instant AI Essay drafts
• Premium Advisor
• 1:1 FAFSA Review
• 1:1 Tuition Review
• Negotiate with your school

Are There Any Fees?

You can access Mos services free of charge, including its scholarship directory. However, you will have to pay $9.99 per month to access 1:1 FAFSA and tuition support with a Mos expert. Mos claims that it's experts can help you maximize your student aid, although we don't see any way to confirm this.

How Does Mos Compare?

Several scholarship search websites are available online, and many don’t charge a fee like Mos. Of course, Mos is charging for more personalized service. But if that’s not something you need, you may want to look elsewhere.

Scholarships360 is a free scholarship search website. It works similarly to Mos in that you can browse its scholarship directory without becoming a member. However, if you sign up, you can provide information allowing Scholarships360 to provide personalized matches.

How Do I Open An Account?

You can get started with Mos by signing up on its website or downloading the iOS or Android app and applying from your smartphone. You will be required to provide some personal information along with your mobile phone number.

Contact

Contact options are limited. You can reach Mos support via email at [email protected]. Unfortunately, it does provide a phone number on its website, nor does it publish any business hours.

Customer Service
Based on its 4.6 out of 5-star Trustpilot rating, you should expect a positive experience with Mos. Additionally, both the iOS and Android versions of the app have earned over 4 out of 5 stars in their respective stores.

Is It Safe And Secure?

The Mos platform should be considered safe to use. While the company may collect information from its users, such as your name, email address, phone number, other personal info, app activity, location, and financial info, it says that it does not share any of your information with third parties. It also uses standard encryption to ensure that your information is transferred over a secure connection, and users can request that their data be deleted.

Is It Worth It?

MOS is essentially a scholarship search website that offers personalized assistance for a fee. Their scholarship directory is easy to use, with loads of filters. And by signing up, you can receive personalized scholarship matches. Mos also offers some exclusive scholarships that you won't find on other platforms.

The big question is whether paying for a Premium subscription is worth it as most students are able to complete the various applications, including the FAFSA, themselves. There are no guarantees that a Mos advisor will get you more money. Ultimately, you'll need to decide if the added cost is worth the peace of mind and time savings, and for some, it might be.

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