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...
Just got that college bill? MEFA can help.
New fixed interest rates starting as low as 5.49% (APR* 6.60%-6.94%)



MEFA loans have:

  • Multiple repayment options
  • Fixed interest rates on all loans
  • No tiered pricing
Learn more about MEFA Loan Options  



View our important loan disclosure click here  




*The Annual Percentage Rate (APR) reflects both the accruing interest and the effect of borrowing the origination fee and paying the expected monthly payment over the term of the loan. APR varies with length of deferral, length of in-school period, and the presence of a co-borrower. 


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. Visit us in your community.


Can’t make it in person? MEFA offers webinars so you can join us from your computer at home! 



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


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



Find A Seminar or Webinar 


Everything families need to know
about paying for college.



MEFA has kicked off the New Year by launching a new and improved blogging experience! The new MEFA Blog allows for easier reading on all devices and provides a more interactive user experience. Check out our newest blog posts focused on helping you plan, save and pay for college. 





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.