MEFA Loan Application Login
Welcome to MEFA's online application. It's easy and fast to apply. Please note that MEFA uses the information
you provide in conjunction with your credit report to make decisions about your loan approval. It is very
important that you check to make sure all information is accurate. Once you have all the materials ready, the
online application should take around 10 minutes to complete and you will receive an instant credit decision.
If you need assistance, call us at 1.800.266.0243.
1. Gather Your Materials
To make your application process quick and easy, gather information for all borrowers on the loan. If you've
already borrowed with MEFA, we may prefill some of this information for you. Here's what you need:
- Date of Birth
- Phone Number
- Email Address
- Current and Prior Address(es)
- Monthly Income
- Housing Costs
- Employment Information
All applicants must be either a U.S. citizen or a U.S. permanent resident.
2. Submit for Credit Review
Your application will be submitted for credit review and you will receive an instant credit decision.
You will be contacted if MEFA requires additional information.
3. Choose Your MEFA Loan
If your application passes the credit review, you will have an opportunity to compare the cost
and terms of qualifying loan products before selecting the MEFA loan that is right for you.
4. Complete Your Loan Documents
After you select a loan, your loan documents will be ready to review and sign.
- Loan Approval Disclosure:
You must review this disclosure statement carefully and accept or decline the terms of the loan.
- MEFA Loan Agreement: Each borrower must sign the MEFA Loan Agreement.
You may sign electronically (if eligible) or you may download and print a paper copy.
Department of Education Self-Certification: You must submit a signed
self-certification form confirming the student's cost of attendance and estimated financial aid.
- Electronic Delivery Options:
You must review and indicate if you would like to receive additional documents electronically. These
documents can include Privacy Notices, E-Bills, and Tax
5. Receive Loan Funds
Your MEFA Loan will be certified by your college or university, and then disbursed to them.
Gather Your Materials
Please note that MEFA uses the information you provide in conjunction
with your credit report to make decisions about your loan approval.
It is very important that you check to make sure all information is accurate.