Interest Free Student Loans

This program is the backbone of the MOAA Scholarship Fund. Eligible students who are accepted into this program area awarded interest free loans to offset the costs of continuing their education. By asking students to repay their loans, this program is able to recycle funds to assist military families for future generations.

Program details

General Eligibility Requirements

To be eligible for an interest free loan, you must meet the following requirements:

  • Under 24 years old.
  • If parent is military officer-
    • Parent must sign up for a paid MOAA membership if child is selected to receive financial assistance and continue the membership until the child is no longer in the program.
  • If parent is enlisted military personnel-
    • Parent must be active duty, Reserve, National Guard, or retired. No membership is required.
  • High school or college GPA must be 3.0 or higher. 


Application Details

If you are eligible, we encourage you to apply! The application takes an estimated 15-20 minutes to complete. The following information is required to submit for consideration:

  • Academic information including your High School GPA & any relevant test scores
  • Parent or guardian information including military affiliation and income
  • Extracurricular activities (club/activity specifics)

Program Timeline

Below is the timeline used for the interest-free loan program. Please pay attention to your email and MOAA communication channels for updates.


November 1st-March 1st: Application opens

Spring: Semifinalists are alerted of their status and asked to upload supporting documentation to verify the information provided on the application is accurate.

Early Summer: Finalists are notified via email and must verify parent's paid MOAA membership (if military officer) and complete remaining paperwork including a legally binding promissory note.

August and December: Disbursements are sent out.


Exact timelines vary every year based on a variety of factors. Due to the legal requirements of distributing loans, it is vital that students complete all necessary paperwork early in order to avoid delays. 


For questions regarding the application process, general eligibility, loan disbursement, or other questions regarding the interest-free loan program, please email


Loan Renewal

All students in the Education Assistance Program must submit a renewal application to secure funds for the following school year. The renewal window is open each year from January 1 to March 1. To access the renewal application, click here.


* We have transitioned to a new system, and the previous database will no longer be in use. You will need to set up an account in our new system and verify your email address prior to submitting an application.


To maintain eligibility for the Education Assistance Program, you must meet the following requirements:

      • Have a college GPA of 2.0 or higher AND be in good academic standing as per your university standards.
      • Be a previous participant of the Education Assistance Program
      • Complete the renewal application by March 1


Renewal Timeline

Below is the timeline used for the renewal process. Please pay attention to your email and MOAA communication channels for updates.

            • January 1 - March 1: Applications open
            • Early Summer: Renewing students are notified of their award amount
            • August: Disbursements are sent out)

Loan Repayment

ZuntaFi performs all servicing activities for loan and is the primary contact for repayment information. Servicing includes establishing recurring payments, processing deferral requests, address and other contact updates, changes to banking information, etc.


To create a ZuntaFi account to make a payment, check current loan balance, and other loan related inquires, students can visit or call them at 800-592-1270.

Together We Make A Difference

Our work is made possible thanks to a generous community of supporters who believe in the mission of the MOAA Scholarship Fund. Join us today to help provide military children financial assistance for the next phase in their education. 

MOAA Scholarship Fund Mission

MOAA Scholarship Fund (SF, EIN 54-1659039), a 501(c)(3) charitable subsidiary of the Military Officers Association of America (MOAA), offers students of military families financial relief to alleviate some of the burden that comes with continuing education.