[en] Powerful and quite general arguments suggest that N = 1 supergravity, and in particular the superstring-inspired no-scale models, may describe the physics of the four-dimensional vacuum at energy densities below the Planck scale. These models are not renormalizable, since they arise as effective theories after the large masses have been integrated out of the fundamental theory; thus, they have divergences in their loop amplitudes that must be regulated by imposing a cutoff. Before physics at experimental energies can be extracted from these models, the true vacuum state or states must be identified: at tree level, the ground states of the effective theories are highly degenerate. Radiative corrections at the one-loop level have been shown to break the degeneracy sufficiently to identify the states of vanishing vacuum energy. As the concluding step in a program to calculate these corrections within a self-consistent cutoff prescription, all fermionic one-loop divergent corrections to the scalar effective potential are evaluated. (The corresponding bosonic contributions have been found elsewhere.) The total effective scalar Lagrange density for N = 1 supergravity is written down, and comments are made about cancellations between the fermionic and bosonic loops. Finally, the result is specialized to a toy no-scale model with a single generation of matter fields, and prospects for eventual phenomenological constraints on theories of this type are briefly discussed. 48 refs