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.

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 1977, 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.




We guide families through the financing of higher education. We teach students to save for education, pursue scholarships and grants, and borrow wisely. We provide conscientious, personal service to borrowers and promote responsible repayment. Student success in financing and completing their educational goals fulfills our mission.


Our vision is to provide the best student loan experience anywhere and to improve the quality of life for Utahns by removing financial barriers to higher education.


Our Guiding Principles


We protect your confidential information, and are transparent with public information. We work to prevent mistakes, but if a mistake is made, we take responsibility and act quickly to correct it. 


We honor our commitments in a timely, efficient, and effective manner. 

Costumer Focus

Our goal is to help you achieve your higher education goals. We create customized solutions, not one-size-fits-all formulas. We anticipate your needs and find ways to serve them better.


We accomplish more as a cooperative team. This means sharing information and expertise, and putting personal agendas aside to achieve the larger goal.


We consistently improve our understanding of the business, by thinking ahead to anticipate industry changes. Formal and informal training and education are encouraged, as well as constant mentoring and information sharing.

Self Discipline

We show self-discipline by the way we conduct ourselves. By discussing previously established goals in our quarterly reviews, we are able to set personal goals to continue individual development.


We continually think creatively to identify the most effective and efficient way to get things done.