Undergraduate and Graduate Loans

Our low-cost undergraduate and graduate loans offer fixed interest rates, various repayment options, and are available to students who are residents of or attend college in Massachusetts.  Learn More

Education Refinancing Loans

With a fixed or variable rate MEFA Education Refinancing Loan, you can reduce your monthly payment, lower your interest rate, and even combine multiple student loans.  Learn More

U.Plan® Prepaid Tuition Program

Our dependable prepaid tuition program, the U.Plan, helps you save money for college and caps college tuition at today’s costs at over 70 colleges and universities across Massachusetts. Learn More

U.Fund® College Investing Plan

Professionally managed by Fidelity Investments, MEFA’s U.Fund is the Massachusetts 529 college savings plan. It's affordable, tax-advantaged, and accepted at virtually any college in the country. Learn More

MEFA Pathway <em>Your Plan for the Future</em>℠

Our free college and career planning website, MEFA Pathway Your Plan for the Future, offers interactive tools and key information to help students navigate a successful path to post-secondary education and into a career.  Learn More

College Planning Tool

Helping families to create a personalized college savings strategy for funding higher education costs, our College Planning Tool takes the guesswork out of saving for college and preparing for college costs.  Learn More

Seminars and Webinars

We provide more than 500 free, on-site college planning seminars and live webinars each year on a variety of topics.  Learn More

Education in the Workplace

MEFA works with Human Resources representatives to provide free workplace seminars for organizations across the Commonwealth on all aspects of the college planning process. Learn More

Email Updates

Our comprehensive emails for families, school counselors, and college administrators provide important information, key updates, and valuable resources on a wide range of topics related to college planning.  Sign Up

Training for Counselors

We provide essential tools to help high school and college access counselors advise families and enhance professional skills, including financial aid trainings and webinars, online resources, and professional development certification. Learn More

Resources for College Administrators

We have been collaborating with college and university administrators in Massachusetts for more than 30 years. Today, we offer training and resources that cover financial aid, MEFA loans, and other college planning topics relevant to Massachusetts families. Learn More

Start U.Reading

As part of our commitment to education, we offer a statewide youth literacy program through local libraries and community centers. Start U.Reading engages families in reading experiences that captivate children’s interest by bringing literary characters to life.

Attainable: The ABLE Savings Plan

The Attainable Savings Plan℠ provides a means for individuals with disabilities and their families to save in a tax-advantaged account for health and personal care expenses.  Learn More

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

Monday to Friday, 9am-5pm ET or email us anytime at info@mefa.org

Partner Spotlight

Meet Clantha McCurdy, a Leader in Massachusetts Higher Education

The Senior Deputy Commissioner of Access and Student Financial Assistance discuses her job responsibilities, the state budget recommendation, the Commonwealth Commitment, and collaborating with other agencies to help students.

Applying for an Education Refinancing Loan

Before starting your application for the Education Refinancing Loan, gather the following information:

Personal: Proof of identity and social security number
Contact: Current & prior addresses, phone number, and email address
Financial: Monthly income, housing costs, employment information, two most recent pay stubs, and current billing statements for loans to refinance

Apply Now

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.

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