MEFA 529 student loans for college

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Hundreds of thousands of families have turned to MEFA, the college financing experts, for guidance on how to pay for college. We can help you, too. It's never too late. 




Financial Aid 


Financial aid comes from a number of sources and includes grants and scholarships, Federal Work-Study, and student loans for parents and students. Awards may be need-based, as determined by a standardized calculation of a family’s financial ability to pay for college, or merit-based, in recognition of student achievements. 


One of the most important ways to make sure you receive all the assistance you are eligible to receive is to apply for financial aid from a variety of sources and submit applications on time. The Free Application for Federal Student Aid, or FAFSA, is required by all colleges for federal and state aid. 


Learn more: Ways to Pay for College with Financial Aid  



Get a Massachusetts Student Loan 




Instead of misleading customers with low advertised rates that few qualify for, we want to help you find a Massachusetts student loan that fits your situation. MEFA is one of the only sources of low-cost fixed interest rate student loans offering consistent monthly payments and three affordable repayment options. 


It's not too late to get a MEFA Massachusetts Student Loan. MEFA offers fixed interest rate loans for undergraduate and graduate students with several repayment options – immediate, interest-only, and deferred – so you can choose a loan that meets your needs. Any Massachusetts resident may apply for a MEFA loan, whether you’re attending college or grad school in-state or out-of-state. U.S. students attending a Massachusetts college or university may also apply. 


Learn more: Massachusetts Fixed Rate College Student Loans  

Managing Your Money 


The financial decisions you make while you’re in college can impact the amount of your Massachusetts student loans (and will have to repay with interest) and your options once you graduate. Educate yourself on the basics of money management like creating a budget and successfully repaying your student loans. 


Learn more: College Student Budgets and Repaying Student Loans 

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MEFA’s Application and Solicitation Disclosures and Self-Certification form.  


Undergraduate Loan PDF 
Graduate Loan PDF 
Self-Certification Form PDF  










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