The U.Plan Prepaid Tuition Program offers benefits unlike any other savings vehicle. By saving money in the U.Plan, you’ll be locking in today’s rates for college tuition and mandatory fees at every Massachusetts college and university in the U.Plan network. That means the rise in college tuition won’t affect you, and your savings will be used to pay for college at 2016 rates. And if your child doesn’t attend a U.Plan school, you’ll receive your full savings back, with interest calculated at CPI and no penalty, right when your child heads off to college. It’s a powerful and fail-proof savings opportunity.

1. THEU.PLANPREPAID
TUITIONPROGRAM
MASSACHUSETTS EDUCATIONAL FINANCING AUTHORITY
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2. • Your U.Plan contribution is your prepayment for up to 100% of tuition &
mandatory fees
• You purchase Tuition Certificates, allowing you to lock in today’s tuition and
mandatory fee rates at a network of MA public and private colleges & universities
• U.Plan Tuition Certificates:
• Represent interest in Commonwealth General Obligation Bonds
• Are backed by the full faith and credit of the Commonwealth of Massachusetts
• Are not subject to market fluctuation
• $300 minimum contribution to get started
• No maximum contribution
• Annual enrollment period: May 1st to June 30th
• No MA residency requirement
The U.Plan Basics
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3. •Money saved in the U.Plan grows federal and MA state tax free
•Any unused U.Plan money is returned to the owner without penalty and
including interest accrued at Consumer Price Index (CPI)
•No need to select a college until the beneficiary is ready to attend
•Account owner has full control of account and beneficiary assignment
•Beneficiary can be changed at any time
U.Plan Benefits
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4. The U.Plan Advantage: Locking In a Percentage
•As tuition costs vary, your lock-
in percentages vary
•Contributions year after year
add up to a greater percentage
of lock-in
•U.Plan locks in only tuition and
mandatory fee expenses
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Institution
Tuition &
Fees
Initial
Investment
Percentage
of Tuition &
Fees Locked
In
College A $5,000 $1,000 20%
College B $10,000 $1,000 10%
College C $25,000 $1,000 4%

5. The U.Plan Network of Colleges & Universities
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American International College
Amherst College
Anna Maria College
Art Institute of Boston at Lesley University
Assumption College
Babson College
Bay Path College
Benjamin Franklin Institute of Technology
Bentley College
Berklee College of Music
Berkshire Community College
Boston College
Boston University
Bridgewater State University
Bristol Community College
Bunker Hill Community College
Cape Cod Community College
Clark University
College of Our Lady of the Elms
College of the Holy Cross
Curry College
Dean College
Eastern Nazarene College
Emerson College
Emmanuel College
Endicott College
Fisher College
Fitchburg State University
Framingham State University
Gordon College
Greenfield Community College
Hampshire College
Hebrew College
Hellenic College
Holyoke Community College
Laboure College
Lasell College
Lesley University
Massachusetts Bay Community College
Massachusetts College of Art and Design
Massachusetts College of Liberal Arts
Massachusetts Maritime Academy
Massasoit Community College
Merrimack College
Middlesex Community College
Montserrat College of Art
Mount Holyoke College
Mount Ida College
Mount Wachusett Community College
New England Conservatory of Music
Newbury College
Nichols College
North Shore Community College
Northeastern University
Northern Essex Community College
Pine Manor College
Quinsigamond Community College
Regis College
Roxbury Community College
Salem State University
Simmons College
Smith College
Springfield College
Springfield Technical Community College
Stonehill College
Suffolk University
University of Massachusetts Amherst
University of Massachusetts Boston
University of Massachusetts Dartmouth
University of Massachusetts Lowell
Wellesley College
Wentworth Institute of Technology
Western New England University
Westfield State University
Wheaton College
Wheelock College
Worcester Polytechnic Institute
Worcester State University

6. •When applying for college financial aid, the U.Plan is considered a
parent asset.
•The financial aid formula assumes families will use up to just 5.6%
of parent assets to pay for college costs.
•Bottom line: The U.Plan, as with other college savings plans, does
not significantly impact a student’s eligibility for financial aid.
The U.Plan and Financial Aid
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7. •If a college or university joins the U.Plan, it must honor Tuition
Certificates purchased since the program started in 1995.
•If a college or university drops out of the U.Plan, it must honor
all Tuition Certificates purchased prior to the year it withdrew
from the program.
Participating School Changes
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8. Download an Enrollment Kit and Purchase Request Form at:
mefa.org/uplan
Downloading an Enrollment Kit & Purchase Request Form
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9. Completing & Submitting Your Purchase Request Form
1. Complete the owner and beneficiary
sections
2. Select one or several maturity year(s),
the year(s) when the beneficiary will
attend college.
3. Sign your form and mail it in with your
personal check
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Consider a 4-year strategy
Think about saving for all four years
that your child will be in college

10. What Happens Next?
•Once we receive your Purchase Request Form and check, we will send
you a confirmation letter
•You will receive your annual statement in the fall showing the
percentage you have saved at all of the schools within the U.Plan’s
network of colleges and universities
•Your renewal kit will be sent in May of each year, giving you the
opportunity to purchase additional Tuition Certificates
•We encourage you to sign up for MEFA emails on mefa.org to receive
timely and relevant information on all steps of the college planning
process
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11. Do you have additional questions? Contact us:
info@mefa.org
(800) 449-MEFA (6332)
Thank You