How does JELF determine financial need?
JELF takes both the total cost of the student’s education as well as the family’s total resources into account. Defining need is both personal as well as different for different families. Need is based not only on household income but also the number of individuals in a household, as well as a medley of other factors related to health or employment that may directly alter what funds exist for a student’s higher education.
Learn more here about JELF’s process for determining each applicant’s loan amount.
From application to aid
Contact information for Local JELF Administrators will be provided by JELF after application submission.
If you are from JELF's five-state region but don't see your community, JELF will schedule your interview directly.
Our loans, which never accrue interest, help borrowers save instead of creating more debt while earning their higher education degree.