Educational Loans & Grants

Fulfilling our educational and vocational goals is one of life’s most empowering and impactful objectives. At JFCS, we annually help hundreds of Jewish students achieve these goals by providing them with loans and grants (scholarships).

Our loans and grants generally are used to offset the expenses of college, graduate or vocational school, professional programs, and other accredited programs.

Eligible undergraduate & graduate students may apply for financial aid annually to defray their educational and vocational training costs. All qualified students will be considered for a JFCS loan and grants (we do not offer grant-only applications).

  • Our Undergraduate need-based grants range from $500 –$3,000.
  • Our limited graduate need-based grants range from  $500 – $1,000.
  • Our undergraduate subsidized loan awards range from $1,000 – $6,000 at a fixed 4.99% interest rate with favorable repayment terms.
  • Our graduate subsidized loan awards range from $1,000 – $10,000:
    • Option 1: Traditional GRAD Loans at a fixed 6.54% interest rate and repayments begins 9 months after completing one’s graduate/professional degree.
    • Option 2: 0% No-interest GRAD Loans at 0% interest rate and a 12-month grace period.


To qualify for one of our Loans and Grants, students must fulfill the following requirements  for the 2022 – 2023 school year:

  • Identify as Jewish and show meaningful involvement with the community
  • You and your family are legal and permanent* residents in one of the following five counties we serve: Sonoma, Marin, San Francisco, San Mateo, or Northern Santa Clara.
    *for a minimum of two years prior to submitting your application.
  • Submitted a Free Application for Federal Student Aid (FAFSA) and can demonstrate financial need.
  • Currently in good academic standing, with a minimum  3.0 unweighted GPA
  • Have a parent, or other qualified individual who can guarantee your loan request.

When Can I apply?

  • After you have been accepted, or have re-enrolled at an accredited: state college, university, or vocational training program.
  • After you have received your financial aid award from your given school.

How Do I apply?

  • Apply online (see below)
  • JFCS Loans and Grants application for the 2022 – 23 school year is no longer available.
  • Our 2023 – 24 school year application will be available on Monday, May 1, 2023.

PLEASE NOTE; All submitted Loans and Grants applications will be considered only if the given student shows financial need. All qualified applicants will be reviewed for a possible grant and loan award.

Join us for our online JFCS College Readiness Series Workshops in 2022 – 23:

Free College Readiness Series II Workshops—Finding & Saving Money for College (January 5 and January 11, 2023)

Click here to register.

Topics will include:

  • What can your family realistically afford to spend for college?
  • What are some additional income sources parents can use for college?
  • Is it important for your teen(s) to apply for internships, scholarships, and/or work-study?
  • What should you do before the acceptances and financial aid awards arrive?
  • What is a college financial aid appeal?

To learn more about upcoming workshops, or college loans and grants, contact Michelle Lamphere, Director of JFCS’ Financial Aid Center at (415) 449-1226

Partial funding for the JFCS scholarship program is provided by generous individual support, foundation grants, and named endowment funds. If interested in contributing, please call Barbara Farber at 415-449-3858 or email: [email protected].

Contact Us

  • Michelle Lamphere
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