Interest-Free
Student Loans
We provide interest-free loans to help Jewish students pursue post-secondary education without the burden of interest-bearing debt.
Loans support undergraduate, graduate, and professional degree programs at eligible educational institutions, including community colleges.
Loan Details
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Up to $6,000 per qualified applicant
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Interest-free repayment over up to six years
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Monthly payments typically begin about one month after loan disbursement
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Guarantor required
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Available to eligible students who need financial assistance with educational expenses
2027 Student Loan Application Cycle
Applications for the 2027 student loan cycle will be reviewed beginning in the spring, with decisions anticipated in July.
You can start the prequalification process now.
Before You Apply
To qualify, applicants must:
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Be Jewish
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Have lived in Washington State for at least 6 months
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Be a U.S. citizen or lawful permanent resident (Green Card holder)
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Be enrolled in an accredited nonprofit institution in the United States (including undergraduate, graduate, vocational, technical, or community college programs)
Please note:
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A guarantor is required for all loans over $1,000
How does the loan process work?
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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.
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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.
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Loan decision
After the interview, HFLA determines loan approval, repayment terms, and loan amount based on each applicant’s individual circumstances.
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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
Student loan applications will reopen in 2027. Please check back in early 2027 for application dates and details.
Already Prequalified?
If you have submitted a prequalification form, we’ll keep your information on file and contact you when the next application cycle opens.