• Borrow up to $7,500 with no interest charges and no fees
  • Any adult connected to the Jewish community in our service area can apply
  • Loans require a guarantor to ensure repayment

“It’s an amazing service. Having a little breathing room makes all aspects of life just a little bit better. I believe it also really helps the community and the local economy. Thank you!”


Can I get a post-secondary education loan and wait to pay you back until I graduate?

  • No, repayment for traditional loans, including education loans, generally begins the second month after you get the loan. 

Can I get a post-secondary education loan each year that I’m in school?

  • You can have only one loan at a time. So you can apply for and get a new loan each year only if you pay off your previous loan first.

How many co-signers (guarantors) do I need?

  • You need 1 co-signer for loans up to $7,500.

How much will I have to pay each month?

  • That depends on the amount and type of your loan. For most of our traditional loans, the repayment is never more than $200 per month. For loans under $5000, it’s less.

How do I apply?

  • Click here to start the application process. Once completed, a representative from HFL will get in touch with you to explain the next steps.

Additional FAQs