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Georgia · Nonprofit

JEWISH EDUCATIONAL LOAN FUND INC

JEWISH EDUCATIONAL LOAN FUND INC (Georgia) receives grants from 112 organizations whose IRS filings report $4,965,444 to it, the largest being MORGAN STANLEY GLOBAL IMPACT FUNDING TRUST INC ($1,025,000). 80 of them have funded it in more than one year.

Revenue FY2025
$3.5M
Funders on record
112
Grants received
$5.0M
Net assets
$20M
80/112 repeat funderspeak grant-dependency 27%
01What it does

What Jewish Educational Loan Fund Inc does

Mission

Jelf partners with jewish students in need in a five-state region to provide last-dollar, interest free loans for higher education.

As stated on its FY2025 Form 990.

Program

  1. Jelf partners with jewish students in need in a five-state region to provide last-dollar, interest free loans for higher education.

    $1,857,991 spent$990,000 earned by the program
    100% of program spending

The program described on its FY2025 Form 990. Program spending in total: $1,857,991.

02The organization over time

The organization over time

Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended.

100 = 20172017 Revenue 100 ($1.8M) Expenses 100 ($1.1M) Net assets 100 ($10M)2018 Revenue 126 ($2.3M) Expenses 109 ($1.2M) Net assets 103 ($11M)2019 Revenue 114 ($2.1M) Expenses 134 ($1.4M) Net assets 112 ($12M)2020 Revenue 141 ($2.5M) Expenses 144 ($1.6M) Net assets 123 ($13M)2021 Revenue 243 ($4.4M) Expenses 152 ($1.7M) Net assets 144 ($15M)2022 Revenue 169 ($3.0M) Expenses 194 ($2.1M) Net assets 146 ($15M)2023 Revenue 154 ($2.8M) Expenses 180 ($1.9M) Net assets 158 ($16M)2024 Revenue 219 ($3.9M) Expenses 196 ($2.1M) Net assets 182 ($19M)2025 Revenue 196 ($3.5M) Expenses 229 ($2.5M) Net assets 195 ($20M)
'17'18'19'20'21'22'23'24'25
Revenue (196)Expenses (229)Net assets (195)

Balance sheet

Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2023 to 2024, from $17M to $19M (+14%).

$10M
$11M
$12M
$13M
$15M
$16M
$17M
$19M
$21M
'17'18'19'20'21'22'23'24'25
Total assetsTotal liabilities

How it's funded, over time

Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.

2017
2018
2019
2020
2021
2022
2023
2024
2025
ContributionsProgram revenueInvestmentOther

Government-grant reliance: 2021 3%. Grants only. Government contracts and fees sit inside program revenue.

Surplus & reserves

Operating surplus or deficit each year, and months of liquidity in hand. 0 of the last 9 reported years ran a deficit.

$709k
’17
$1.1M
’18
$605k
’19
$969k
’20
$2.7M
’21
$927k
’22
$815k
’23
$1.8M
’24
$1.0M
’25
3.7
months of
reserve

Leadership and staff

The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.

Chief executive

Jenna Leopold Shulman

Chief executive offi

Board chair

Emily Sauerteig

Board chair

As listed on its FY2025 Form 990.

'17'18'19'20'21'22'23'24'25
Listed404042464646464848
Joined·+9+7+10+12+0+4+5+5
No longer listed·956120435
03Who funds it

Who funds it, year by year

2017 → 2023: the base broadened from 24 funders to 49 funders, grant income rose $107k → $391k.

19 of 112 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 46% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.

Left out of every figure on this page: $2.7M from 14 payers (the payer shares this organization's board, largest Jewish Federation of Greater Atlanta Inc). These are real filings, and they are not money JEWISH EDUCATIONAL LOAN FUND INC raised.

From the IRS filings of JEWISH EDUCATIONAL LOAN FUND INC’s funders (the co-funder graph). Top 30 of 112 funders by total. Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.

How concentrated its funding is

JEWISH EDUCATIONAL LOAN FUND INC has a broad base — no single funder exceeds 21% of grant income, and it takes 3 funders to reach half.

the vertical line marks half of all grant income — 3 funders to its left

47% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund JEWISH EDUCATIONAL LOAN FUND INC.

21%
largest funder
54%
top three
~9
effective funders

Largest funder’s share by year: 2017 27% · 2018 31% · 2019 30% · 2020 49% · 2021 56% · 2022 26% · 2023 13% — diversifying over time.

“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.

How long its funders stay

60% of JEWISH EDUCATIONAL LOAN FUND INC's funders are still giving 3 years after their first grant; 71% give in more than one year at all.

first grant+1y+2y+3y+4y+5y+6y

Share of funders still giving k years after their first recorded grant, pooled across every acquisition cohort. A funder counts as retained in a year only if it made a grant that year. Measured to FY2023, the last fiscal year that has finished arriving — a funder cannot be counted as lapsed in a year most filers have not reached.

Where its funders are

61% of JEWISH EDUCATIONAL LOAN FUND INC's grant income comes from Georgia funders.

IL
MI
NY
MA
NJ
CT
CA
DE
NC
SC
AL
GA
FL

In-state vs out-of-state, by year

’17
’18
’19
’20
’21
’22
’23
Georgia out of state home

Funder states come from each funder’s own filing. $2.3M arriving through sponsors registered in 12 states is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.

04Its place in the field

Organizations like JEWISH EDUCATIONAL LOAN FUND INC

Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.

In Georgia

Nationally

05Profile & governance

Read directly from this organization’s own Form 990, as neutral context.

Where the money goes

75% of spending goes to programs.

Program 75%Management 7%Fundraising 18%

Governance

45
board members
100%
independent
✓Conflict-of-interest policy✓Whistleblower policy✓Document retention✓Board reviewed the 990✓Audited financials

Public support

90%

Share of support from the public (Schedule A) — the basis for its public-charity status.

Footprint & structure

Files a return copy in 1 state

GA

Screen this organization

A dated, signed PDF of the compliance screen for JEWISH EDUCATIONAL LOAN FUND INC: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.

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Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf

Questions and answers

Who funds JEWISH EDUCATIONAL LOAN FUND INC?
JEWISH EDUCATIONAL LOAN FUND INC (Georgia) receives grants from 112 organizations whose IRS filings report $4,965,444 to it, the largest being MORGAN STANLEY GLOBAL IMPACT FUNDING TRUST INC ($1,025,000). 80 of them have funded it in more than one year.
How many funders does JEWISH EDUCATIONAL LOAN FUND INC have?
IRS filings report 112 organizations giving $4,965,444 in grants to JEWISH EDUCATIONAL LOAN FUND INC, 80 of which have funded it in more than one year.
Who is the largest funder of JEWISH EDUCATIONAL LOAN FUND INC?
MORGAN STANLEY GLOBAL IMPACT FUNDING TRUST INC is the largest funder on record, with $1,025,000 in grants. The full list of funders is on this page.
How can an organization like JEWISH EDUCATIONAL LOAN FUND INC find more funders?
Start with the funders already giving here, then look at the foundations that back similar organizations in Georgia. The funding by cause and by state pages list the largest funders for a given area and how to approach them.

Play a game about who funds Jewish Educational Loan →

These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2017–2025), and the filings of 112 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 22, 2026. What this page cannot tell you · view filing