PEF Path to Success:

Applying for and Succeeding with a PEF Loan

Each PEF participant begins at the bottom and climbs up, and we help one another along the way. The PEF path to success, represented by this arrow below, has five basic steps, each with specific activities.

Click on each of the steps below for their description:

1. Dream

The first step is to dream. Planning begins with a vision of what you want to do or be. Vision leads to direction and action. President Gordon B. Hinckley taught: “You have an obligation to make the most of your life. Plan now for all the education you can get, and then work to bring to pass a fulfillment of that plan” (“Four B’s for Boys,” Ensign, Nov. 1981, 40).

It will help you to attend, if possible, one of the Education and Employment firesides held in your stake or district at least annually. All Church members and friends are invited. Leaders help all who attend gain a greater vision of their potential and show how they can achieve that potential through worthy dreams, education, and better work.

2. Plan and Qualify

The second step is to turn that dream into a powerful plan. The Planning for Success Workshop helps you clarify your vision by creating a Work Plan, an Education Plan, and a Finance Plan. These plans are essential parts of your overall plan for success. You will be able to apply your work, education, and finance plans successfully if you spend quality time doing your homework in this workshop.

  • If you are just starting to explore possible jobs, these assignments and plans can help you learn where you need additional help.
  • If you have already selected your future work, these activities will help you confirm and refine what you already feel is best.

This experience will also help you determine if you need a Perpetual Education Fund (PEF) loan. If a PEF loan is needed, applicants Qualify through their priesthood leaders (Priesthood Leader Endorsement). The Planning for Success Workshop taught by the institutes of religion is the key activity at this step.

3. Apply

If you have found that a PEF loan is needed, your next step is to apply for a loan using the online PEF Application. You may use a computer at your local LDS Employment Resource Services office, institute of religion, family history center, or anywhere else there is an Internet connection.

You will need:

  • The information from your plans in the Planning for Success Workshop.
  • Personal contact information for yourself and others close to you.
  • Church membership number and confirmation date. Your ward or branch clerk has this information.

If you have questions about the application, you may call the Help Desk at the PEF Service Center. Volunteers at the institute and in your stake may also be able to help you.

Your application will be reviewed online by qualified staff to make sure it is a good plan for your local area. If there are questions, they will get back with you. Then it will be sent to a PEF Loan Committee to make a decision on your loan request.

4. Commit

If your PEF loan is approved, your institute representative will set up a loan interview with you where you will make important commitments.

You will need:

  • Your completed Priesthood Leader Endorsement (last page of the Planning for Success Workshop booklet)
  • Evidence of enrollment and attendance at institute if you are a young single adult
  • Your Planning for Success workbook with complete Work, Education, and Finance Plans
  • An invoice or other official school document showing the costs of your education, including dates due, disbursement amounts, and payment schedule
  • Evidence of satisfactory progress in school (if this is a renewal application)

If your Area Office uses Debit Order or Auto Pay for loan payments, you will need to have a bank account prior to the loan interview. Please bring your bank account number and the form that authorizes the bank to make automatic withdrawals for loan payments. Your institute representative will help you with any questions.

The school you have chosen will be paid once the loan interview is complete, when your first payment is received, and after you have made an initial contact with the PEF Service Center.

5. Study, Graduate, Improve Work, and Repay Loan

This last step is the best part, and also the longest and most difficult. Over a period of years, you will study, complete your training, find better work, and keep your commitment to repay the loan. You will accomplish these goals through great effort, faith in the Lord, integrity, and growing self-reliance.

Once you enter school, there will be challenges and sacrifices to make. You might keep track of your progress by checking off each of these specific steps as you succeed:

  • Attend school, make progress, get help when needed
  • If possible, complete an internship or apprenticeship
  • Renew your loan each year as necessary
  • Graduate or certify
  • Attend the Career Workshop at the LDS Employment Resource Services office. It is strongly recommended that you take this excellent workshop before graduation. It will prepare you with a résumé, interviewing skills, job networks, and more
  • Obtain better work
  • Keep your commitments, including timely loan repayment. Loan repayment shows your integrity and growing self-reliance
  • Help others who are attempting to achieve their dreams
  • Continue to serve in your family and the Church; achieve the prophetic promises

“We have begun this work of making it possible for our faithful and able young men and women to climb the ladder which will assure them of … success.” Gordon B. Hinckley, Ensign, Nov. 2001, 53

What are the key PEF applicant requirements?

  • Worthy, active member of The Church of Jesus Christ of Latter-day Saints
  • Generally 18 through 30 years of age
  • Enrolled and active in an institute of religion (married students and those over 30 are not required to attend institute)
  • Living, working, and attending school in a PEF-approved country; currently, PEF is not available in the United States or Canada
  • Endorsed by priesthood leaders as worthy and in need of a loan
  • Completed the Planning for Success Workshop offered by the institute of religion program
  • Committed to pay as many school costs as possible with personal money
  • Committed to graduate from school and gain better work
  • Committed to demonstrate integrity and self-reliance by fully repaying the loan

Is PEF available in the country where I live?

PEF has been approved and is available in the following countries:
American Samoa Haiti Paraguay
Argentina Honduras Peru
Belize India Philippines
Bolivia Indonesia Puerto Rico
Botswana Ivory Coast Samoa
Brazil Jamaica Sierra Leone
Cambodia Kenya South Africa
Cape Verde Kiribati Spain
Chile Lesotho Swaziland
Colombia Liberia Tanzania
Costa Rica Madagascar Thailand
Dominican Republic Mexico Tonga
DR Congo Mongolia Trinidad and Tobago
Ecuador Namibia Uganda
El Salvador Nicaragua Uruguay
Fiji Nigeria Vanuatu
Ghana Pakistan Venezuela
Guatemala Panama Zambia
Guyana Papua New Guinea Zimbabwe

Institutes of Religion

Institutes of religion provide weekday religious instruction for young single adults.

LDS Employment Resource Services (ERS)

ERS will help you to learn about jobs in your area, education and economic trends...

Frequently Asked Questions

The following information provides answers to common questions about the PEF program.

Contact PEF

To find the PEF Service Center assigned to your country, click on the region where you live on the map or select a country from the drop-down menu.