We're honored to serve Recipient & Repayment Portal

Has a JELF loan impacted your college experience? Help encourage others to participate by become a JELFie!

How repayment works?

Repayment begins 6 months after either graduation, termination of your course of study or a status change to part-time student.

JELF's repayment period is 8 years (although you can always pay back sooner!).

Set up Automatic ACH Payments

Make a one time ACH payment

Repayer Request Form

Planned Giving Inquiry Form

Once this form is submitted our legacy team will be in touch to help you plan your next steps.

Repayer Requests

How can we help?

Select an option below to help us understand what you need. In the next section we'll need a little information to just verify you and your loan.

I need to:

I have new bank account information to enter:

In order to change bank information, you must fill out a new ACH form.

Update ACH Bank Information

In order to change bank information, you must fill out a new ACH form.

Update ACH Bank Information

In order to make a one time payment with new bank information, you must fill out a new ACH form.

Fill Out One Time ACH Form

If you have recently graduated or will be graduating soon from your final degree-seeking program, you should expect to hear from JELF approximately 5 months after graduation to set up your student loan repayments through ACH.

- If you graduate in May/June --> you will hear from JELF by November or December.
- If you graduate in August --> you will hear from JELF the following January or February.
- If you graduate in December --> you will hear from JELF by the following May or June.

At that time, JELF will provide an ACH form to set up automatic student repayments.

If you are going back to school full-time for an additional degree, JELF will gladly defer your repayments until your final graduation. However, we may not be aware of this information, particularly if you are not using JELF for your upcoming degree, so you must inform JELF by continuing to fill out this form.

In order to defer repayment, JELF requests a copy of your school acceptance letter and school schedule (or letter showing the number of credit hours you plan to be taking). If you do not have this yet, you must send it to [email protected] when it is available.

Current Amount of Borrower's Monthly Payments:

New Monthly Payment Amount:

List the ONE-TIME additional payment you would like to make towards this JELF loan:

Please let us know how we can best help you.

First Name

Last Name

Please let us know your updated contact information here:

In order to process your request, please verify your contact information:

First

Last

Has your name changed since you applied to JELF as a student?

What was the name you used when you applied for JELF?

Cell Phone #

Email Address

Original Community (city/state)

Birthdate

Last 4 Digits of Borrower's Social Security #:

First Name (person completing form)

Last Name (person completing form)

Borrower First Name

Borrower Last Name

Cell Phone #

Cosigner Email Address

This is the same email address that JELF has on record for me:

What is the email address that you think JELF may have on record for you?

Birthdate

Original Community (city/state)

First Name (person completing form)

Last Name (person completing form)

Borrower First Name

Last Name

Relationship to Borrower:

Your Email Address

Your Cell Phone #

Borrower's Original Community (list city/state)

Describe the degree program that borrower is currently seeking (or in the process of applying to):

List the dates that borrower plans to begin and end school program.

School Acceptance Letter

File Upload

Class Schedule

File Upload

I am the loan repayer and authorize JELF to increase the monthly payments for this loan.

I am the repayer of this loan and authorize JELF to ACH a one-time additional payment towards this loan on the bank information that JELF has on record.

Anything else we should be aware of at this time? You may also update your contact information here.

Repayer FAQ

When does repayment begin?

Repayment of a JELF loan begins either six (6) months after the student’s final graduation, after a student has terminated their course of study or if a student’s status has changed to part-time. For example, if a student graduates in May or June, their first payment will be due January 1 of the following year. JELF does not ask for repayment from full-time student so students can defer repayment if they choose to continue their studies.

How long do students have to repay their loans?

After a six month reprieve to get situated and find employment, recipients have eight (8) years to pay off their loan (although many pay off well before that time!).

JELF’s repayment scale is graduated, meaning that repayments start small and gradually increase over the eight-year period, helping to stay manageable throughout the time. Of course, JELF loans never accrue interest so whatever a student borrows to JELF is what they will pay back! We believe that our 99% repayment rate is the best measure of our success and appreciate each recipient’s diligent payback.

How much will a repayer pay back each month?

JELF’s repayment program is graduated, meaning that payments are smaller right out of school when income is likely to be at its smallest.

Years 1 and 2 – 5% of the total amount borrowed
Years 3 and 4 – 10% of the total amount borrowed
Years 5 and 6 – 15% of the total amount borrowed
Years 7 and 8 – 20% of the total amount borrowed

All repayers are welcome to accelerate repayment as much as they would like. By paying back early, JELF can help even more students in need. There is no penalty for paying off a loan early.

How do repayers setup automatic payments?

Borrowers can easily set up monthly payments to JELF from their banks through ACH, which allows funds to move from one bank account to other through a central clearing house.

JELF does not accept credit cards for student repayments (we’d lose a percentage — don’t charge any interest to begin with!). Further, payment by credit card would essentially turn a student’s non-interest bearing debt into interest-bearing debt.

Can another individual repay a student’s JELF loan?

What happens when after a student’s loan is paid off?

A celebration of course!

The recipient will receive their final promissory note stamped “Paid in Full” and will then join the ranks of JELF’s Alumni!

Eventually JELF hopes former borrowers will also join JELF’s “Full Circle Society,” a giving society of individuals who, like them, received JELF loans, paid them off in full – and are now in a position to give back to JELF, helping future generations.

We're honored to serve Recipient & Repayment Portal

Has a JELF loan impacted your college experience? Help encourage others to participate by become a JELFie!

How repayment works?

Repayment begins 6 months after either graduation, termination of your course of study or a status change to part-time student.

JELF's repayment period is 8 years (although you can always pay back sooner!).

Repayer Request Form

Planned Giving Inquiry Form

How can we help?

In order to change bank information, you must fill out a new ACH form.

In order to change bank information, you must fill out a new ACH form.

In order to make a one time payment with new bank information, you must fill out a new ACH form.

Repayer FAQ

Central Office

General Inquiries

Helpful Links