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?
Plan for a student in...


Need help with financial aid? 



If you are applying for financial aid for college, we have plenty of resources to help you with the process. Visit our Financial Aid section to learn about eligibility, how to apply, and the different types of financial aid. 


To learn about the details of the FAFSA, view our popular webinar about Understanding the FAFSA  




To learn about the details of the CSS/Financial Aid PROFILE, view our webinar on the CSS/Financial Aid PROFILE  






MEFA’s free seminars are held at high schools and community-based organizations across the Commonwealth and provide age-specific information about planning, saving, and paying for college.  


Attend a MEFA College Admissions Seminar to learn about the components of the college application, how to build a college list, and current college admissions trends. Find a local seminar in your community. Download the seminar presentation slides here to follow along. 


Can’t make it in person? Our webinars highlight important topics in college planning. Find an upcoming webinar. 


If you missed any of our recent webinars, you can view the recording right online. Click the topic below to access our most popular webinars: 



Find A Seminar or Webinar  



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  


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.