This is not the application process for new applicants.
The renewal process starts in January. An email will be sent to students in early January detailing the renewal process. Please make sure all the information shown in the Online Renewal Form is accurate.
Please read the renewal letter carefully and send in the official transcript showing coursework to:
Educational Assistance Program of MOAA
909 North Washington St., Suite 300
Alexandria, VA 22314
Please note: If your bank information has changed, please download the Deposit Authorization Form here and mail it to the renewal address above. (To download the form, you must either have or install the free Adobe Acrobat Reader.)
Failure to renew will result in the student being removed from the program and placed into repayment status.
The loan is given in two disbursements each year -- one in early August and the second in early-December. The money is electronically deposited into a bank account of your choice. If your bank account information has changed, please download the Deposit Authorization Form here. If you have misplaced the form, you can download the form by clicking on the link above. (To download the form, you must either have or install the free Adobe Acrobat Reader.)
The total amount of the loan for the 2019-2020 school year is $7,000.
Grade-Point Average (GPA) Requirements
Students must remain in good standing with their university in order to stay in the program. For most academic institutions, good standing is a 2.0 GPA or above. A 3.0 GPA is required to apply, but it is not required to maintain a loan unless the school considers probation to be less than a 3.0 GPA.
There are two types of grants students can receive while in the program:
Senior Grants. Students who have been in our program for at least one year receiving interest-free loans and who will be rising Seniors for the school year of the renewal period are invited to compete for one of our Senior Grants. Along with the online renewal reminder, juniors will be emailed an invitation to complete a Senior Grant online application in January. The Senior Grant will replace the interest-free loan for the student’s senior year. If a student receives a Senior Grant, they will not be eligible for further Educational Assistance benefits. Those who apply but are not selected for a Senior Grant are eligible for the interest-free loan, provided they follow and complete the renewal process.
Designated Scholarships are awarded in July of each year. Students are automatically considered and notified if selected. MOAA does not send a notice if a student is not selected. A student receives this in conjunction with the loan. The award is a $6,500 interest-free loan and a $500 grant, which takes the place of the $7,000 interest free loan. Students selected are responsible for writing their donors and thanking them for the award. Specific donor contact information can be found by e-mailing email@example.com.
Leave of Absence
If a student leaves school for any amount of time or for any reason, that student must contact MOAA by calling (800) 234-6622, or by e-mailing firstname.lastname@example.org to discuss his or her loan status.
To get more specific information regarding your personal account, such as your remaining balance, repayment amount, to update your address with us, please call (800) 234-6622, or e-mail email@example.com. At this time MOAA can not accept payments online.
If you would like to receive your monthly invoice via email, please email us at firstname.lastname@example.org. Please include your Name, your MOAA student number and the email address you would like to receive your monthly invoice.
Credit Card Payments
You can make a credit/debit card payment over the phone by calling our Member Service Center at (800) 234-6622.
Payment Option Form
To change the bank account or credit card number MOAA debits from each month, download and complete the Payment Option Form. (To download the form, you must either have or install the free Adobe Acrobat Reader.) MOAA must receive the deduction form by the 5th of the month to be effective for that month.
Mail the completed form to:
MOAA Educational Assistance Program
909 North Washington St., Suite 300
Alexandria, VA 22314-2539
If you've lost your monthly invoice, want to make an additional payment, or want to start making payments before you're scheduled to begin, please send your payment to:
MOAA Scholarship Fund EAP
PO Box 1854
Merrifield, VA 22116-8054
Include your MOAA student number on your check!!
MOAA does offer some deferments. Most deferments are good for one year increments depending on the circumstances, and a new form must be completed annually . Listed below are the types of deferments we offer and the corresponding deferment form that must be completed and returned to us.
If you are a full time student, you may complete the School Deferment Form.
If you have a full time Fellowship or Internship and make less than $20,000, you may complete the School Deferment Form.
We also offer a Medical Deferment, Military Deferment, Community Service Deferment and a Hardship Deferment, if certain qualifications are met. Please review the individual forms for the specific requirements.
To discuss your deferment request, contact MOAA by calling (800) 234-6622, or by e-mailing email@example.com. You may mail, email, or fax the completed deferment form and any corresponding documents to us. Our mailing address is 909 North Washington St., Suite 300, Alexandria, VA 22314. Our fax number is (703) 838-5819. Our email address is firstname.lastname@example.org.
Repayment Start Date
Initial repayment start dates depend on your graduation date.
- Spring Semester graduate: Repayment begins in October.
- Summer Semester graduate: Repayment begins in January.
- Winter Semester graduate: Repayment begins in April.