MEFA 529 student loans for college

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Welcome to MEFA, providing low-cost, fixed interest rate student loans for college and graduate studies
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  • What should we do to plan?
  • Is it worth trying to save?
  • How will we pay for college?
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MEFA’s free seminars are held at high schools and community organizations across the Commonwealth and provide age-specific information about planning, saving, and paying for college. Find us in your community. 


Can’t make it in person? Attend our webinars from your office or home computer! Find a webinar. 


Saving for College/Early College Planning Seminars
Learn about saving for college, how your savings impacts financial aid, and how, when, and how much to save.

College Admissions Seminars
Learn about current trends in admissions, building a balanced list of colleges, and the many different components of the college application.

College Financing Seminars
Learn about types of financial aid, how to apply, and ways to pay the bill.

After the Acceptance
Learn about financial aid awards, calculating the balance due, and how to pay the college bill.

Find A Seminar or Webinar  



Everything families need to know about paying for college. 



The MEFA Blog was created to share information and guide you on all things college: saving for college, applying to college, and paying for college. Whether you have a newborn, school-aged child, or teenager headed off for higher education, you’ll find relevant information for your family and your life within these posts. 



Here are some of our latest topics: 










Your plan for college is a college and career planning web portal helping students and parents at participating high schools to stay on track in making plans for the future  


Everything students (and parents) need for life after high school., Massachusetts’ new college and career planning web portal, helps students and parents at participating high schools to stay on track in making plans for the future. 

  • Organize your academic info, test scores, activities, and personal information  
  • Get free test-prep tutorials  
  • Research schools and find the best fit for you  
  • Track and submit applications online  
  • Research and apply for financial aid  
  • Plan for your career 

Find out more at and talk to your school counselor to find out if your high school is participating.  




I want to start 
planning for college 

Resources for every grade level  

Download our parent brochure  


I want to start 
saving for college 

U.Fund Massachusetts 529 Plan  

U.Plan Prepaid Tuition Program  



I want to
apply for a loan 

Apply for a loan  

Complete your loan application  

Manage your money  



MEFA Loans U.Fund U.Plan Your Plan For The Future
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© 1998-2014 Massachusetts Educational Financing Authority All Rights Reserved. MEFA Massachusetts Educational Financing Authority℠, MEFA®, MEFA Loans, MEFA UPLAN PREPAID TUITION PROGRAM®, MEFA UPLAN℠, U.PLAN®, MEFA UFUND COLLEGE INVESTING PLAN℠, MEFA UFUND MASSACHUSETTS 529 PLAN®, MEFA UFUND℠, U.FUND START U.READING℠, U.FUND® and Massachusetts YOUR PLAN FOR THE FUTURE COLLEGE CAREER LIFE℠, are service marks of the Massachusetts Educational Financing Authority. All other trademarks and service marks appearing on this web site are the property of their respective owners.