Get the Support You Need with a JFLA Zero-Interest, Zero-Fee Loan for Nurses

As a nurse or nursing student, you dedicate your life to caring for others. At the Jewish Free Loan Association (JFLA), we believe it's time someone took care of you. Whether you're facing unexpected expenses, pursuing further education, or need assistance with housing, we're here to help. Our personal loans for nurses are always zero-interest, zero-fees.

JFLA is a non-profit organization that assists people of all races and religions by offering zero-interest, zero-fee loans to those in need. We understand the unique challenges healthcare professionals face and are committed to supporting you in various ways:

• Educational Costs: Fund your continued education, certifications, or advanced degrees without the burden of high-interest nursing school loans.
• Emergency Expenses: Cover unexpected costs like medical bills or urgent car repairs.
• Housing Needs: Assistance with rent, security deposits, moving expenses, home repairs, or basic furniture.
• Personal Needs: Address any personal expenses that arise, giving you peace of mind.

Get a Loan Online in 5 Easy Steps

1. Fill Out a Pre-Loan Application and Submit Required Documentation
2. Meet with Our Team
3. Guarantor(s) Complete and Sign Forms
4. Wait for Notification
5. Begin Making Monthly Payments

Empowering Nurses and Medical Students Through Education

As a nurse dedicated to providing the best care, you may be considering furthering your education to advance your career or specialize in a new area of healthcare. However, the cost of additional certifications, advanced degrees, or specialized training can be a significant financial burden. JFLA offers zero-interest, zero-fee student loans specifically to help nursing and medical students like you invest in your professional development without the stress of high-interest debt.

Loan Details for Nursing and Medical Students

• Loan Amount: Nursing and medical students can apply for up to $10,000 per school year.
• Renewal: Students may apply to renew their loan once per year by providing proof of full-time enrollment. Please note that simply providing proof of enrollment does not automatically renew the loan. Each application is reviewed by our Student Loan Committee, and approval for one school year does not guarantee future loan approval.
• Repayment Schedule:
  • $150/month while in school
  • $225/month during the first year after graduation
  • $375/month until the loan is repaid

Important Note: JFLA’s student loans are not forgivable in any federal loan forgiveness program.

Our loans can assist with:

• Tuition and Fees: Cover the cost of enrolling in advanced degree programs or certification courses.
• Educational Materials: Purchase necessary textbooks, online resources, and equipment, like computers, internet/phone bills.
• Licensing and Exam Fees: Pay for state licensing, board exams, or recertification costs.
• Continuing Education: Attend workshops, seminars, or conferences to stay updated in your field.

By alleviating the financial barriers to further education, JFLA enables you to focus on what matters most—enhancing your skills and providing exceptional care to your patients.

Providing Financial Relief During Emergencies

The nature of nursing often involves long hours and high-stress situations, leaving little time to address personal financial challenges that may arise unexpectedly. JFLA understands the unique pressures you face and offers zero-interest, zero-fee loans for healthcare workers to provide a safety net during difficult times. Whether you're dealing with unforeseen medical bills, urgent home repairs, transportation costs (repairs, buying a used car), childcare expenses or other personal emergencies, we're here to support you. Our loans can help with:

• Medical Expenses: Cover out-of-pocket costs for you or your immediate family members.
• Emergency Home Repairs: Fix critical issues like plumbing, electrical faults, or structural damages.
• Family Emergencies: Assist with unexpected expenses related to family care or support.

By offering quick and compassionate financial assistance for healthcare workers, JFLA helps you navigate emergencies without adding financial strain, allowing you to continue focusing on your vital role in the healthcare community.

How Can JFLA Offer Zero-Interest, Zero-Fee Loans?

Zero-interest, zero-fee loans fill an important gap in our social system by promoting self-sufficiency and financial independence with dignity. JFLA isn't a bank—we're a non-profit that's been helping those in need for nearly 120 years. Our loans have no fees and offer manageable repayment options to keep your monthly budget on track.

Eligibility Requirements

To qualify for a JFLA loan, you must:

• Be at least 18 years old with a state-issued California ID or driver's license showing permanent residency in Los Angeles, Ventura, or Santa Barbara County. If you are not yet 18, please contact JFLA directly at info@jfla.org.
• Have a steady source of income or be a full-time student to demonstrate the ability to repay the loan.
• Provide proof of need for the loan, such as a bill, estimate, or letter.
• Not be a current borrower or guarantor on a JFLA loan.
• Have at least one qualified guarantor to secure the loan.
• Provide Documentation: All documentation must have a consistent mailing address.

Loan Amounts and Guarantor Requirements

• Personal and Emergency Loans:
  • Up to $7,500 with one qualified guarantor.
  • Up to $12,000 with two qualified guarantors.
• Student Loans for Nursing and Medical Students:
  • Up to $10,000 per school year with two qualified guarantors, one of whom must be a parent or legal guardian.

At JFLA, we rely on guarantors instead of collateral. A guarantor is someone at least 25 years old with strong credit who agrees to repay the loan if you cannot. This could be a friend, family member, or employer.