Helping families plan & pay for college

Education Finance Council (EFC) is the national trade association representing nonprofit and state-based higher education finance organizations. As state-based, nonprofit entities, EFC Members are driven by public-purpose missions to expand borrowers’ financial knowledge, prevent over-borrowing, and promote positive repayment behavior.

All EFC Members, as nonprofit, public-purpose organizations, strive to increase college access, success, and affordability in their states and nationwide, operating as loan servicers and supplemental loan originators while providing a wide array of college access and student success services and resources.

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Utah Higher Education Assistance Authority (UHEAA) is a Utah state government agency and part of the Utah System of Higher Education. It acts under authority delegated by the Utah State Board of Regents and is governed by a 13-member Board of Directors and Utah’s Commissioner of Higher Education.

UHEAA’s mission is to guide families through the financing of higher education. UHEAA teaches students to save for education, pursue scholarships and grants, and borrow sensibly. It provide conscientious, personal service to borrowers and promote responsible repayment. Student success in financing and completing their educational goals fulfills UHEAA’s mission.

Through its CornerStone Education Loan Services program UHEAA administers student loans originated under the U.S. Department of Education’s William D. Ford Direct Loan Program and Federal Family Education Loan Program. UHEAA’s Repay Centsibly program provides financial aid literacy, loan repayment assistance, and default prevention services to students and schools. Since 1976, UHEAA’s focus has been to help Utah students and their families plan, prepare, and pay for college and it has sponsored a variety of community outreach programs across Utah to accomplish this mission.

Check Out Our New Member Map

Click HERE to check out our new map highlighting the work EFC members are doing across the country.

EFC Members excel at providing free, innovative college access, student success, and financial literacy programs in their states. In 2016, EFC Members provided over 2.5 million families the resources needed to successfully plan, save, and pay for college.


EFC Members’ free public service programs include FAFSA completion events and help centers, scholarship programs, college planning centers, financial aid workshops and information sessions for students and parents, financial literacy training workshops for elementary, middle, and high school students, and support services and programs for members of the military, veterans, and at-risk and low-income youth, including homeless and foster youth.

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9/7/2017 » 9/8/2017
2017 EFC Mid-Year Membership Meeting