New Procedures in Response to COVID-19

Due to the current landscape changes related to COVID-19, we have modified some of our procedures for loan processing. We encourage you to reach out to our College Relations Team at (800) 449-6332, option #4 or if you have any questions or you need assistance.

  • We have suspended all loan certifications via fax. Please use our online system (see below) for all certifications. If this is not possible, please contact us so we can work together to find a solution.
  • We are asking all colleges to notify us of your preferred method for receiving loan disbursement funds (options include mailing a check to your address on file or utilizing a wire transfer). If you need to cancel or modify a scheduled disbursement, please contact us.
  • We are only able to accept loan refunds through EFT. Please complete our School Refund EFT Transmittal Form for all loan refunds and return it to Please submit your funds based on the instructions at the bottom of the form.

We appreciate your patience and flexibility during this unprecedented time.

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 college administrators at your school with access.

Contact Us

Loan Certification, (800) 449-6332, option #4

College Support

Jonathan Sparling,, 617-224-4846

Stephanie Wells,, 617-224-4809

Darina Barreto,, 617-224-4864

Loan Documentation

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

Other Resources

  • MEFA Loans: Our low-cost college loans have fixed interest rates and multiple repayment options
  • Student Loan Payment Calculator: Students and families can use our calculator to estimate their interest rate, monthly payment, and total cost on a Undergraduate MEFA Loan.
  • Events: We have seminars, webinars, and other events we host for families on a wide range of college planning topics.
  • Financial Aid Handouts: If you’re planning a Financial Aid Night at your college, contact Jonathan Sparling at to use our College Financing PowerPoint presentation and handouts.
  • 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
  • Training: 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.

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 or 617-224-4811. 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.

Use our U.Plan Distribution Refund Form to refund all or a portion of a student’s U.Plan payment to MEFA.

Log in to the U.Plan

Sign Up for Our Emails

We email our college administrator partners regularly to keep you posted on MEFA happenings, such as trainings and product updates, and to share tools and resources for students and families. You can sign up for our emails here.

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 Stephanie Wells at if you’re interested in serving as a volunteer presenter to speak to families at high schools in your community.

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


Call us at (800) 449-6332

Monday to Friday, 9am-5pm ET, or email us anytime at

Paying for College

Tax Forms Related to Higher Education

We offer guidance on the 1098-T, 1098-E, 1099-DIV for U.Plan, and 1099-Q.

Family Webinar Series

After the College Acceptance

April 7, 2020


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