We use SurveyMonkey Apply (moaacharities.smapply.us) to facilitate our application process. If you are having trouble remembering your password, click ‘Forgot your Password’ to reset it. For help navigating the SurveyMonkey Apply application system, watch the following video.

To Access the Disbursement Portal:

Tipalti is our financial management system used for disbursements. Students with a Tipalti account can log in anytime to update banking details or view payment history. Students without a Tipalti account will need to wait until the disbursement period to register.

To Sign Up or Upgrade Your MOAA Membership:

MOAA Premium or Life membership is required for all officer parents and surviving spouses of officers if their child is accepted into the program. While membership is not needed to apply, it is required to receive funds. Visit the MOAA website to sign up or upgrade your membership. Enlisted personnel do not need to be members. To join MOAA, click here.

How can I access my existing application or start a new one?

Visit moaacharities.smapply.us to log into your account, where you can view or edit an existing application or begin a new one.

What can I use the funds for?

Program funds may be used for expenses directly related to undergraduate education, including tuition, room and board, meal plans, textbooks, school supplies, and activity fees. Funds must be used during the academic year for which they are awarded. Proof of how funds are spent is not required.

Funding cannot be used for summer terms, graduate-level coursework, postgraduate programs, or gap year programs. Internship and study abroad expenses are eligible only if participation is required to complete the student's undergraduate degree or meet graduation requirements.

Can I defer my loan payments while attending graduate school?

Yes, you can submit a deferment request to postpone repayment until you complete school. Contact ZuntaFi to submit the paperwork.

What if I take a gap year or miss a year of funding, am I still eligible for the program?

You can receive up to 5 disbursements during your undergraduate education. However, all disbursements must occur within a 7-year period, even if you take time off. After seven years in the program, you will not be eligible for any additional funds.

I’m interested in one of your grants, can I just apply for a grant and not a loan?

Because we only have one application, you are applying for all available funding we offer and cannot apply for one type of funding. However, you will have the opportunity to only accept grant funds and not take any loans once you receive your award package.

What should I do if my tuition is due before I receive my funds?

Please contact your school and let them know you have funds coming from our program. You can share a copy of your award letter with your financial aid office if they need verification from us. We are unable to disburse funds early or adjust our disbursement timeline, so please plan accordingly. We aim to have all funds disbursed by August 31.

*Please download our FAQ sheet below for answers to additional questions.

For Questions About Loan Repayment:

ZuntaFi is our loan servicer and is your point of contact for loan repayment. ZuntaFi can be reached via email at service@zuntafi.com or by phone at 1-800-592-1270. For additional information about loan repayment, click here.

For General Program Questions:

The Education Assistance Team is always happy to answer any questions you may have. Please email us at edassist@moaa.org.

Find Answers to Your Most Asked Questions

Download our FAQ sheet to get answers to your most asked questions and learn more about our program.

Interest-Free Loan Repayment

Learn more about loan repayment and download our Repayment Resource Guide for more information.