State Educational Loans

To qualify for a state educational loan from any of the states listed below, you (the student or the parent of a UR student) must be a resident of that state, unless otherwise noted. Carefully read the criteria for the loan and contact the state organization if you have any questions.


Alaska offers fixed-rate supplemental loans to state residents for students attending in-state and out-of-state colleges and universities. Loan options are available to both undergraduate and graduate students as well as family members who wish to borrow on behalf of the student. Please note the loan limit. Please refer to the links below:

Students Parents


Connecticut offers the CT FELP loan to undergraduate and graduate students who are attending accredited nonprofit colleges in the US and are Connecticut residents. The loan is a fixed-rate loan and currently requires the student to make interest payments while in school. Please click here for more information.


Maine offers The Maine Loan to its state residents who are attending approved colleges in the United States. The Maine Loan has a variable interest rate and has a tiered fee structure based on credit level.


Massachusetts offers two supplemental loan options to students through the Massachusetts Educational Financing Authority (MEFA): the MEFA Undergraduate Loan (available to either the parent or the student) and the MEFA Graduate Loan. Please refer to the links below:

MEFA Undergraduate Loan MEFA Graduate Loan

New Jersey

New Jersey offers NJCLASS fixed-rate loan options for parents, undergraduate students, and graduate students who are residents of the state. Please click here for more information.


Vermont offers the VSAC Advantage Loan to undergraduate and graduate students only. This quarterly, variable-interest-rate loan is based on the LIBOR rate. Current interest rates are LIBOR + 2.25% to LIBOR + 5.5%, depending on credit score. Loan fees may be assessed on the amount borrowed, depending on credit score. Please click here for more information.

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