Rules, Terms and Conditions


CEL: High School Seniors/College Undergraduates Residing in the United States

The College Education Loan (CEL) program assists students during their undergraduate studies in USA – Bachelor or Associate degree through an interest-free loan. Upon repayment of the loan, the same opportunities will be available to future students from the Jain community. Each selected student for a Undergraduate degree will receive a total loan amount ranging from $5,000 to $10,000 based on the enrollment year in college (during 1st to 4th) and when an application is received. The Loan will be distributed as follows - $5,000 in the first year, $3,000 in the second year and $2,000 in the third year upon the loan approval - provided that the student is enrolled in an academic institute in the USA during these years and an application for loan renewal is submitted.

Each selected student for an Associate degree will receive a total loan amount ranging from $3,000 to $5,000 based on the current enrollment status in college when an application was submitted. The loan will be distributed as follows- $3,000 in the first year and $2,000 in the second year upon the loan approval - provided that the student is enrolled in an academic institute in the US during these years and an application for loan renewal are submitted.

Repayment of the loan shall begin six months after graduation. Sponsors of this program appreciate the commitment of the Jain community toward education and hope that each loan recipient continues to support the program. The student must submit his application ‘ONLINE’ including submission of all required documents and references on or before the application deadline. Incomplete application will not be considered for the award scrutiny. The applicant must insure that his application is complete. Applicant or approved awardees are requested to stay in touch with the LSGI Committee Chair.

Program Name:
  • College Education Loan for Bachelor or Associate degree studies in the USA
Amount of Loan:
  • Bachelor’s degree: Total Loan amount of $10,000 will be awarded in three installments over 3 years - $5,000, $3,000, and $2,000 – if the student is enrolled in college. Pro-rated amount of loan will be awarded, if the application is received in 3rd or 4th year of college study.
  • Associate degree: Total Loan amount of $3,000 - $5,000 will be provided over 2 years - $3K, $2K – as long as the student is enrolled in college. Reduced amount of $5,000 will be awarded, if the application is received in 2nd year of college study.
No. of loans Available:
  • Each year, IAAMJV makes a decision on the total budget for this loan & hence the number of loans available may vary but not restricted for any deserving students. We highly encourage eligible students to apply.
Application Deadline:
  • June 30 of the current year. Applications received after this date may be reviewed on a case-by-case basis.
Award Notification Date:
  • August 15, of the current year
Eligibility Criteria:
  • Born in Jain Family
  • Graduating High School Senior / student in college pursuing a Bachelor's or Associate Degree.
  • Enrolled in an academic institute in the USA during each year of eligibility
  • U.S. Citizen or any valid US visa holder including Green Card

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