Education Loans

NATIONAL LOANS PROGRAM

This is an interest free loan program open to all jamaat students in the US. This program is designed to help students reduce their high interest debt. Loan amounts are usually $3,000 to $5,000 however the amount may be lower or higher, depending on the budget and number of students applying. This is a loan that must be returned immediately after student starts their first job.

ELIGIBILITY FOR EDUCATION LOANS

  • US Citizen, U.S Permanent Resident (green card holder) or asylum applicant.
  • US Jamaat member in good standing.
  • Student must qualify for financial need.
  • Student must understand that this is a loan, and it is the last dollar they need to get through the year after having exhausted other sources.
  • Students must be high school graduate OR college/university/community college student enrolled in fulltime or part time classes.
  • Online college degrees and associate degrees are also eligible.
  • Students must have a minimum GPA of 2.5.
  • US jamaat members studying abroad MAY qualify, if they are abroad for sole purpose of education and have intent to return to US.

NON-ELIGIBILITY FOR EDUCATION LOANS

  • International students on F-1 visa or other visas who are in the USA primarily for education.
  • High school students who are not expected to start college in the fall semester.
  • Students with disciplinary action against them by Jamaat.
  • Families or members where the Jamaat President recommends against the applicant.
  • Vocational courses, certification exams, USMLE and licensure.
  • Students who cannot provide acceptable documentation showing their enrollment.

REQUIRED DOCUMENTS

Each applicant must submit following documents:

  • Copy of most recent official transcript from the most recent institution (high school, college, or university)
  • Proof of enrollment in the fall semester.
    • This could be in the form of a transcript showing enrollment in the fall semester, or online proof of enrollment from the university website.
  • Copy of the statement from educational institution or FAFSA that shows the tuition expense, the loans and grants awarded to the student, if requested
  • Signed and notarized copy of loan declaration form.
    • Note: This is requested after the loan amount has been approved and student has been informed
  • 500 to 1000 words essay to show why student qualifies for the loan.

FREQUENTLY ASKED QUESTIONS

Question: Is there any interest on this loan?
Answer: No. This is an interest free loan to help members of the jamaat achieve their maximum potential.

Question: If I receive other loans, will I qualify for a Jamaat loan?
Answer: Yes. You may still qualify for a jamaat loan, if other loans have a higher interest rate.

Question: Do I need to return the money received?
Answer: Yes. It’s a loan and it is your Islamic and legal responsibility to return this loan.

Question: When does this loan become due?
Answer: Loan becomes due immediately after the start of your first job.

Question: Can I pay all other loans before paying this loan?
Answer: No. Loan payment for this should also start immediately after the start of the first job.

Question: Will I get the requested amount?
Answer: Maybe. It depends on the need and number of students applying. We have a limited budget, and we’ll utilize the whole budget dedicated for loans.

Question: How long will it take to find out if I’m approved?
Answer: We’ll take about 30 days to make the decision and email you with our decision and checks will be mailed within 30 days from the decision.

Question: Can the loan check be mailed to me before I pay for my fall semester?
Answer: Since every college has different due dates for fall semester/quarter, we’ll mail this out at our earliest possible; however, if it is delayed, this loan can be used for the second quarter/ semester.

Question: Who do I contact for the status of my loan?
Answer: If you do not hear from us in 30 days after the application submission deadline, you can send an email to education.loans@ahmadiyya.us for any questions/concerns you may have.

 

TypeActivity Description External Date
LoansPolicy/Process Messaging to local secretaries (Announce all applications Open/Close dates)  
Open application portal 2/01/2026
Close application portal 6/30/2026
Collect President’s feedback  
Decisions emailed to applicants 7/30/2026
Checks Issued by Accounting (Muhasib)  

 

College Financial Planning Calculator

College Financial Planning Calculator

Total Cost of School

Cost per semester
Enter your unweighted GPA (0.00 - 4.00)
Total Education Cost
$0
Total amount needed for all years

Your Financial Aid Package

Money you don't have to pay back (enter annual amount)
$3,000 - $5,000 per year, 0% interest
Federal student loans
Current federal rates: 6.39% (undergrad), 7.94% (grad), 8.94% (PLUS loans)
Total Financial Aid
$0
You are $0

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Jamaat Educational Loans + FAFSA + Additional Loans
Your Total Savings
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By using interest-free Jamaat Educational Loans
Repayment Comparison Over Time
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Important Disclaimer

This calculator is intended as an educational tool to help you understand and compare loan options. Actual loan payments and terms may vary based on individual circumstances.

  • The “Grace Period” is the period between the date of graduation and the date that repayment of a student loan must begin.
  • For some direct subsidized loans, you do not need to pay interest during school years or the grace period.
  • This calculator assumes loans to be repaid each month equally right after graduation or grace period. It also does not take into account any loan fees.
  • Interest rates, eligibility requirements, and loan terms are subject to change. Please consult with financial aid advisors and loan servicers for the most current and accurate information.

Last updated on 18 January 2026