Provides interest-free loans up to $20,000 to help Jewish residents of Northern California with medical and dental costs beyond what insurance will cover. Individuals or family members may also apply for these loans to help cover the costs of fertility treatments, home health care, or transitioning a loved one to an assisted-living facility. As loans are repaid, funds are recycled for new loans. Hebrew Free Loan has proven the success of this model over +120 years, with a repayment rate of 99.75 percent.