Our low-cost loans assist families of undergraduate and graduate students from all states attending college in Massachusetts, as well as Massachusetts residents attending college outside of Massachusetts.

Our College Investing Plan lets families save for qualified higher education expenses through professionally managed mutual funds offered by Fidelity Investments.

The smart way to save for collegeLock in tomorrow’s tuition at today’s rates at 80 public and private Massachusetts colleges and universities.

160 Federal Street4th FloorBoston, MA 02110www.mefa.org

The U.Plan is simple, effective and one of the safest

ways to save for college.

TodAy more than ever, a college

education is a critical part of preparing for a

successful career. That’s why more and more

families are striving to make it possible for their

children. But the prospect of paying for higher

education can be intimidating, especially

as costs continue to rise. Scholarships and

loans may help, but the most important

way to prepare for the cost of college is by

saving. The more money you save and the

earlier you start, the better.

The U.Plan Prepaid Tuition Program, offered

by MEFA on behalf of the Commonwealth

of Massachusetts, can be an effective part

of your savings strategy.

A little planning goes a long way.

Tips for successful saving with the U.PlanPut money into a savings account earmarked for U.Plan savings, a money market account or even a piggy bank, then transfer it to the U.Plan during the annual enrollment period. Here are some tips to get you started:

• Beat temptation. Arrange to have money automatically deposited from your paycheck into an account, or create a budget that includes regular contributions to savings.

• Ask relatives to contribute money to your child’s college savings at holidays and birthdays.

• Match what you spend on a small pleasure in a savings account. Small contributions add up: a $3 a day coffee habit will cost you more than $1,000 a year.

• Bring your lunch to work. It can save you up to $3,000 a year.

• Thenexttimeyougetyourtaxreturns,automaticallyput half of it in savings. If you’re not used to the money, you won’t miss it.

• Afteryoufinishpayingoffacarorotherloan, continue making payments in the same amount to your savings.

• Save with your child. Start a piggy bank and encourage your child to save regularly. Add whatever you save to the U.Plan each spring.

MEFA is here to help.

is a not-for-profit state authority that works to make

higher education more accessible and affordable for

students and families in Massachusetts. MEFA offers community education

programs, college savings plans and low-cost financing options. In our over

30-year history, we have issued approximately $4.4 billion in bonds and have

assisted hundreds of thousands of families in financing a college education.

For more information or to request an enrollment kit,

visit www.mefa.org/uplan or call 800.449.MEFA (6332).

A Massachusetts free college and career planning website for students, parents, school counselors and more, offered by MEFA in partnership with the Massachusetts Department of Higher Education and Elementary & Secondary Education.

Why the U.Plan is a smart choiceWhile no one knows where tuition, interest rates or the stock market may be in the future, the U.Plan offers certainty and peace of mind.

No volatility.U.PlanTuitionCertificatesarebackedby bonds, issued by the Commonwealth of Massachusetts. Unlike stock or mutual fund investments, youwillknowwhattheTuitionCertificatewillbeworthat maturity.

No obligation.IfyoudonotuseyourTuitionCertificates at a participating Massachusetts college or university, your initial investment will be returned to you at maturity with interest compounded annually at the Consumer Price Index (CPI).

Tax benefits. U.Plan earnings are exempt from state and federal tax.

No application or enrollment fees. Every dollar you contribute goes directly toward helping you reach your college savings goal.

How to enrollYou can contribute to the U.Plan during the annual enrollment period, usually from May 1st to June 30th. Tosignuptoreceiveanenrollmentkit,visit www.mefa.org/uplan or call us at 800.449.MEFA (6332).

Still have questions about how the U.Plan works? Call us at 800.449.MEFA (6332).

“ The U.Plan is a sound, good savings choice for our family. The U.Plan is a hidden gem.” - Antonio C.

American International College Massachusetts College of Art

Amherst College Massachusetts College of Liberal Arts

Anna Maria College Massachusetts Maritime Academy

Art Institute of Boston at Lesley University Massasoit Community College

Assumption College Merrimack College

Babson College Middlesex Community College

Bay Path College Montserrat College of Art

Benjamin Franklin Institute of Technology Mount Holyoke College

Bentley University Mount Ida College

Berklee College of Music Mount Wachusett Community College

Berkshire Community College New England Conservatory of Music

Boston College Newbury College

Boston University Nichols College

Bridgewater State University North Shore Community College

Bristol Community College Northeastern University

Bunker Hill Community College Northern Essex Community College

Cape Cod Community College Pine Manor College

Clark University Quinsigamond Community College

College of Our Lady of the Elms Regis College

College of the Holy Cross Roxbury Community College

Curry College Salem State University

Dean College School of the Museum of Fine Arts

Eastern Nazarene College Simmons College

Emerson College Smith College

Emmanuel College Springfield College

Endicott College Springfield Technical Community College

Fisher College Stonehill College

Fitchburg State University Suffolk University

Framingham State University University of Massachusetts Amherst

Gordon College University of Massachusetts Boston

Greenfield Community College University of Massachusetts Dartmouth

Hampshire College University of Massachusetts Lowell

Hebrew College Wellesley College

Hellenic College Wentworth Institute of Technology

Holyoke Community College Western New England University

Laboure College Westfield State University

Lasell College Wheaton College

Lesley University Wheelock College

Marian Court College Worcester Polytechnic Institute

Massachusetts Bay Community College Worcester State University

List of 80 Participating Colleges and Universities

How the U.Plan works TheU.Planhelpsyoustayaheadofrisingcollegecostsby letting you “prepay” up to 100% of your child’s future tuition at today’s rates, at any of the 80 participating public and private colleges in Massachusetts.

You don’t have to choose a college ahead of time. However, the percentage of costs your investment covers will vary by college, since each college charges different tuitions and fees.

Thischartshowshowmucha$1,000U.PlanTuitionCertificate would be worth at three different types of colleges:

Suppose your child decides to attend a public college, and by that time, tuition and fees have gone up to $15,000 per year.YourU.PlanTuitionCertificatewillstillbeworth10%of tuition and fees: 10% of $15,000 is $1,500.

Types of Colleges

How much it costs now:

How much money you put in:

How it trans-lates into a percentage:

Community College

$5,000 per year

$1,000 20%

Public College

$10,000 per year

$1,000 10%

Private College

$25,000 per year

$1,000 4%