Online Loan Certification

Our loan certification system makes it easy to view and certify MEFA Loans. We encourage you to take advantage of this system, and to provide other administrators at your school with access. Our system instructions provide a list of frequently asked questions.

Loan Documentation

Our Loan Disclosures and Self-Certification Form provide all the important details about our loans.

U.Plan Prepaid Tuition Program

We partner with over 70 Massachusetts colleges and universities to offer the U.Plan Prepaid Tuition Program to families. If your school participates in the U.Plan and you serve as a U.Plan administrator, make sure to create an online account to manage your U.Plan rosters and set up ACH/EFT to receive U.Plan funds electronically. To set up an online account, please contact Claudia Niles at

Please note that you must use one of the following supported desktop browsers to create an online U.Plan account: Google Chrome – two latest versions, Internet Explorer 11, Microsoft Edge, or Safari for Mac – two latest versions.

Log in to the U.Plan


We offer webinars and in-house trainings for you and your staff that give you access to the latest information about MEFA Loans, financial aid, and other areas of college financing. We also offer in-house trainings for your students on loan repayment and financial literacy. Learn More

Other Resources

  • Use our U.Plan Distribution Refund Form to refund all or a portion of a student’s U.Plan payment to MEFA.
  • Giving a Financial Aid night? Contact Jonathan Sparling at to use our College Financing PowerPoint presentation and handouts.

Volunteer with MEFA

During the past year, MEFA reached over 20,000 families through more than 500 seminars on early college planning, college admissions, and college financing. We welcome your participation, so please contact Jonathan Sparling at if you’re interested in serving as a volunteer presenter to speak to families at high schools in your community.

Resources for Families

  • Events: We have seminars, webinars, and other events we host for families on a wide range of college planning topics
  • MEFA Loans: Our low-cost college loans have fixed interest rates and multiple repayment options
  • Borrow Wisely: We offer tips to help families make smart choices when they borrow a college loan
  • MEFA REFI: MEFA’s education refinancing loan is designed to lower a borrower’s monthly loan payment and interest rate

Contact Us

Loan Certification

Meg Villavicencio,, 617-224-4814


Claudia Niles,, 617-224-4811

College Support

Jonathan Sparling,, 617-224-4846


College Planning Team,, (800) 449-MEFA (6332)

College student speaking with a college administrator
“Our goal is to make higher education as affordable as possible. ”


Call us at (800) 449-MEFA (6332)

Monday to Friday, 8am-6pm ET, or email us anytime at

Paying for College

What You Need to Know About MEFA Loans

Get the facts including interest rates, no fees, instant application decision, multiple repayment options, set monthly payments, and expert guidance.

Community Events

Start U.Reading with Buzz Lightyear

July 18, 2019


See All Events

Undergraduate Loans

MEFA has low-cost loans with new, lower rates to help families pay for a college education.

Learn More

Borrow Wisely

When borrowing money to pay for college, it’s a good idea to know as much as you can before you take a loan.

Learn More