top of page
Interest-Free
Student Loans
We provide interest-free loans to help Jewish students afford post-secondary education without the burden of high-interest debt.
Loans can be used for a wide range of programs, including undergraduate, graduate, vocational, technical, and community college studies.
Loan Details
-
Up to $6,000 per qualified applicant
-
Flexible repayment terms
-
Designed to support students with financial need
Before You Apply
To qualify, applicants must:
-
Be Jewish
-
Have lived in Washington State for at least 6 months
-
Be a U.S. citizen or lawful permanent resident (Green Card holder)
-
Be enrolled in an accredited nonprofit institution in the United States (including undergraduate, graduate, vocational, technical, or community college programs)
Please note:
-
A guarantor is required for all loans over $1,000
How does the loan process work?
-
Submit a prequalification form
Start by completing a short prequalification form online. If you appear eligible, HFLA staff will invite you to complete a full loan application.
-
Application review and interview
Once your full application is reviewed by staff, eligible applicants will be invited to speak virtually with two HFLA board members for a brief 20–30 minute conversation.
-
Loan decision
After the interview, HFLA determines loan approval, repayment terms, and loan amount based on each applicant’s individual circumstances.
-
Approval and funding
Approved applicants sign a promissory note (what's that?) before funds are distributed.
Repayment plans are tailored to each borrower’s situation. We encourage repayment via Zelle or check to avoid credit card processing fees.
Because HFLA operates with a small staff and volunteer board members, timing may vary depending on scheduling and holiday observances. While some applications move quickly, others may take one week or longer.
Student Loan Timeline
Invest in your education — without the burden of interest
Interested in an Interest-Free Student Loan?
Prequalification forms are accepted year-round.
Planning to attend college, graduate school, vocational training, or a career-transition program? Complete our short prequalification form today. If you appear eligible, we'll contact you with next steps.
Next Application Cycle
Applications for students beginning or continuing studies in the winter term are expected to open in October 2026. Submit a prequalification form now to be notified when applications become available.
Current Applicants: What Happens Next?
-
June – Application review and interviews
-
July – Loan decisions and acceptances
-
Mid–Late Summer – Loan documents completed and funds distributed
Timeline subject to adjustment. Applicants will be notified of any updates.
bottom of page