Education Consolidation Loans

Helping young professionals reduce the burden of student debt.


Dallas Hebrew Free Loan Association provides no interest loans up to $25,000 to help young adults consolidate and reduce the effective interest on their outstanding non-DHFLA student loans.

DHFLA sends education consolidation payment directly to the lender(s).

Term: Payable in equal monthly installments over 72 months (six years). The first payment is due the month following loan origination.


  • You must meet DHFLA’s general requirements. (see below)
  • You must submit a completed loan application, ACH form, and Authorization to Pay Lender form.
  • Each of your guarantors must submit a completed guaranty agreement and information release form.
  • You must have paid-in-full any previous DHFLA loan.


  • Copy of most recent statement(s) from lender(s).
  • Borrower authorization for DHFLA to pay the lender(s).
  • Copy of most recent paystub.
  • Two qualified guarantors, one of which lives in the Greater Dallas area. Guarantors cannot reside at the same address.
  • If you are a married couple, the non-borrowing spouse is considered an additional guarantor.

If you are concerned about meeting the guarantor requirement, please contact us at 469-206-1639 to discuss the circumstances. We’re here to help, and we may be able to make exceptions to certain requirements.




To qualify for a loan, applicants must meet the following minimum requirements. Some loan types have additional qualifying criteria. Visit the loan page for the program for which you want to apply for details on what is required to be considered for a specific type of loan.

  • Member of the Jewish community
  • Resident of Collin, Dallas, Denton, Ellis or Rockwall Counties for a least six months
  • 18 years-old or older, unless otherwise noted
  • Demonstrated need
  • Show creditworthiness
  • No current DHFLA loan
  • Not serving as a guarantor on a current DHFLA loan


  • Identify which loan type meets your needs. If you’re unsure, contact the Dallas Hebrew Free Loan Association office: 469-206-1639 or
  • Complete the appropriate loan application and submit with our online form, by email to or by mail.
  • Obtain guarantors and ask them to complete and submit the guarantor paperwork to
  • If you are a qualified applicant, you will be contacted to schedule a loan interview by Zoom with members of the DHFLA loan committee. You may be asked to submit additional information.
  • A loan decision will be communicated to you by the loan officer following the interview.
  • If approved, funds will be disbursed following communication of the credit decision.
Dallas Hebrew Free Loan Association logo

No interest loans for the Greater Dallas Jewish Community

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5402 Arapaho Rd
Dallas, TX 75248
Hours: Monday–Friday, 10 am – 6 pm
Phone: 469-206-1639

What We Do

Dallas Hebrew Free Loan Association (DHFLA) provides interest-free loans to members of the Jewish communities in Collin, Dallas, Denton, Ellis and Rockwall Counties

Member of the International Association of Jewish Free Loans (IAJFL). We are a nonprofit 501c3.

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