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Welcome & Instructions
Thank you for your interest in applying for an HFLS Special Education Bridge Loan. Completing this application is the first step in the loan process.

IMPORTANT: Reading through ALL of the information below before beginning your application will ensure your loan request is processed as quickly as possible. Once you begin completing the application you will not be able to save your work and continue completing it at a later date.

You will need the following information (for you and for your spouse, if you are married) in order to complete the application:
  • Annual pre-tax income (if you are paid by the hour, please estimate your pay for an entire year at your hourly rate)
  • Start date at current job (month and year)
  • Social Security Number (if you have one)
You will need to upload the following documents to your application:
  • Photo IDs for you and your spouse in PDF, JPEG, or PNG format; a photo taken on your phone is fine, as long as it's readable.
  • Your child’s executed stipulation of settlement, favorable hearing decision (FOFD), or active pendency order/agreement.
After submitting your application:
  • You will receive an email confirming your application submission and outlining the next steps.
Please email Ivy Ip, Special Education Program Coordinator, at iip@hfls.org or leave a voicemail at (212) 706-0041 with questions or if you have any technical issues while completing this application.
Check Your Eligibility
To qualify for an HFLS Special Education Bridge Loan, you must live in NYC’s five boroughs, Westchester, or Long Island; have low to moderate annual household income; and be in receipt of an executed settlement, favorable hearing decision (FOFD), or active pendency order/agreement. Your attorney must also agree to receive DOE/school district settlement/award funds to their escrow account on your behalf.

Your household income must be at or below the amount determined by your household size. These amounts are the moderate-income limits for households in the NYC area, based on the Department of Housing and Urban Development’s guidelines.








You Are Eligible
Based on your answers, you are eligible for a Special Education Bridge Loan from the Hebrew Free Loan Society! Please click the button below to proceed to the application.
You Are Not Eligible
Thank you for inquiring about a Special Education Bridge Loan from the Hebrew Free Loan Society. Based on the initial information you supplied, you do not qualify, either because you live outside of our lending area (NYC, Long Island and Westchester County), your household income is above the target for our lending (see here for current income limits), or you do not have the necessary documents or arrangements. 

If your annual household income exceeds our income limits and you have significant need of a Special Education Bridge Loan, please contact Ivy Ip at (212) 706-0041or iip@hfls.org to discuss whether you qualify for a loan based on your specific situation.