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Teacher in a classroom setting

JFLA supports K - 12 grade teachers in our community and is thrilled to offer zero-interest, zero-fee loans from the Horvitz Teachers' Loan Fund for a wide range of uses, including costs associated with credit card reconciliation, continuing education and credentialing, professional development like conferences, classrooms supplies and learning materials, and even with most personal and emergency expenses like car repairs, rent, or moving expenses.

This loan program, available exclusively to teachers, is the only one that doesn't require guarantors thanks to the generosity of donors.

  • Loans of up to $20,000 are available for people who meet our standard eligibility requirements and have two qualified guarantors. A guarantor is someone who can guarantee to pay back the loan if you do not. A guarantor is at least 25 years old and has strong credit.
  • Loans of up to $7,500 are available for people without a guarantor, but who have a credit score of 680 or more. All other eligibility requirements must be met.
  • Loans of up to $7,500 are available for people with a credit score between 600-680 and 1 qualified guarantor (credit score is 680 or more). All other eligibility requirements must be met.
  • Loans of up to $5,000 are available for people without a guarantor, but who have a credit score below 600.

Final loan amounts are at the discretion of the JFLA loan committee.