17.5"

8.75"

2019 Annual

Meeting the need interest-free

11.25" FRee of InteRest. Full of hope. NC JELF PROVIDES INTEREST-FREE, LAST DOLLAR APPLICATIONS ACCEPTED JELF.ORG

SC (770) GA LOANS FOR HIGHER ED TO STUDENTS MAR 1 SEPT 1 [email protected] THROUGH THROUGH 396 IN ACROSS A FIVE-STATE REGION. APR 30 + SEPT 30 3080 FL Reach out.

@JELFLOANS CENTRAL OFFICE 4549 Chamblee Dunwoody Road Atlanta, Georgia 30338

4" THANK YOU FOR SUPPORTING MISSION.

NC APPLICATIONS ACCEPTED SC GA LOANS FOR HIGHER ED TO STUDENTS MAR 1 SEPT 1 THR OUGH THR OUGH APR 30 + SEPT 30 FL

1980 inflation The on Rates avg. ↗2.7% tuition Rates on avg. need ↗260 % isThe Jewish community real. is not immune to hardship. Did you know that 31% of Jewish families have a household income of less than $50,000? Parents are struggling to fill the tuition gap more than ever before. JELF students come from single parent families, immigrant families, families afflicted with illness, ANNUAL REPORT ANNUAL job-related issues and special needs. And the list goes on. Our interest-free loans provide relief by helping Jewish students who have demonstrated need. The goal is to help them accomplish their educational and career goals. Educational Loan Fund Jewish 1 PAST PRESIDENTS

HEBREW ORPHANS' HOME / ASYLUM OUR HISTORY 1889 - 1948 1889 Simon Wolf* Founded as the Hebrew Orphans’ Home in Atlanta, 1914 Joseph Hirsch* 1915 Victor Kriegshaber* JELF has been firmly rooted in providing care for 1935 Armand May* Jewish students in need since 1889.

JEWISH CHILDREN'S SERVICE When the Orphans' Home closed its doors in 1930, due to changing times, the 1948 - 1989 1957 Albert Mayer* organization successfully transformed twice, first to Jewish Children’s Service 1959 Joseph Haas* 1962 Irving Goldstein, D.D.S.* (JCS) and then in 1989 to the Jewish Educational Loan Fund (JELF). 1965 Al Garber* 1967 Max Cuba* Based in Atlanta, JELF serves students across the original five-state region – 1970 Herbert Ringel* 1973 Abe Goldstein* Florida, Georgia, North Carolina, South Carolina and Virginia (excluding 1975 William Rottersman, M.D.* 1979 Joseph Patterson, M.D.* metro DC). JELF’s vision is that every deserving Jewish student can achieve 1981 Nanette Wenger, M.D. 1984 Marvin Botnick* their academic goals with as little interest-bearing debt as possible. 1987 Arthur Falek, Ph.D.*

To view JELF's complete timeline visit jelf.org/history. JEWISH EDUCATIONAL LOAN FUND 1989 - PRESENT 1989 Beryl Weiner* 1991 Stephen Garber, Ph.D. 1993 Paul Hirsch, Ph.D. 1995 Nancy Abrams 1997 Bea Hirsch Feiman 1999 Judy D. Wolman, Ph.D. 2001 Albert (Hank) Greenstone* JELF Salutes Past President, 2003 Marianne Daniels Garber, Ph.D. Botnick 2005 Ned Montag 2007 Rob Smulian JELF will deeply miss and fondly remember our beloved 2010 Jeff Alperin Past President, Marvin Botnick. Marvin has been present 2012 Ed Hyken 2014 Rob Rickles at nearly every JELF event, Past Presidents' luncheon, 2016 Marianne Daniels Garber, Ph.D. MARVIN BOTNICK Loan Review and Annual Meeting. He often enlightened 2018 Stan Lowenstein *OF BLESSED MEMORY us with a D’var Torah and sage advice. Marvin played an instrumental role in JELF's growth through the past 50 years, for which we are so fortunate and grateful! ANNUAL REPORT ANNUAL

CHILDREN OF THE HEBREW ORPHANS' HOME Jewish Educational Loan Fund Jewish 2 OUR BOARD PrESIDENT JELF takes money and turns it into .” These were the words of Rabbi Steven Lebow in his D’var Torah at JELF’s 2019 Annual Meeting.

In 2019, JELF provided $1,278,194 to 296 students. Add that to what we have loaned since 1985 and JELF has provided over $13 million to help students go to college and graduate school – interest-free. That's a lot of mitzvot.

“ This past year, JELF received a transformative grant from The Marcus Foundation which is allowing us to upgrade our technology and marketing initiatives. The goal is for JELF to effectively reach each Jewish student in our region who needs funding for their college education.

2020 also brings the implementation of JELF's fourth strategic plan. We plan to spend more time in communities throughout our region building relationships and spreading the word.

I am honored to follow in the footsteps of great presidents. Together with a terrific board, an incredible staff, our supporters, and those who have been recipients of our loans (JELFies!), we look forward to achieving new heights – so that we can accomplish even more!

Thank you for your support.

JANE ARONOFF BOARD PRESIDENT

OUR CEO In early 2019, I had the privilege of interviewing Sammy Rosenbaum for a video on JELF’s impact. During SAMMY our conversation, Sammy, who is currently studying to be a Rabbi at the Ziegler School of Rabbinic Studies, ROSENBAUM shared his thoughts on being able to pursue his dreams through JELF. ZIEGLER SCHOOL OF RABBINIC STUDIES Throughout history, Jews have had to support 2nd Year Student themselves. Being self-sufficient is important for us. HOMETOWN ” Boca Raton, Florida

For JELF, lending for education is not just what we do…but what we stand for. Giving JELF To hear more JELFie applicants the gift of self-sufficiency is embodied in our principles and allows us to recycle our stories including dollars for true sustainability.

Sammy’s, visit REPORT ANNUAL “ JELF's success continues to confirm our belief that there are even more families and students who need our JELF.org/video. help – and in 2020, it is our goal to reach them.

I want to sincerely thank our donors and previous recipients who make this “circle of giving” a reality. We couldn’t do it without your support.

Cheers to 2020!

JENNA LEOPOLD SHULMAN Educational Loan Fund Jewish CHIEF EXECUTIVE OFFICER 3 JELF really was my last dollar solution. I had maxed out education loans and did not think I would be able to finish my degree. I am extremely grateful for the funds I received so that I was able to stay “at Embry-Riddle and accomplish my goal of receiving my B.S. in aerospace studies.” clontz HOMETOWN – HIGH POINT, NC

According to the New York Times, at least 30% of students from over 100 universities said they had been “food insecure” in the past 30 days.

IN ADDITION TO TUITION AND FEES, JELF HELPS STUDENTS WITH THE HIDDEN COSTS OF COLLEGE – TRANSPORTATION, FOOD, BOOKS, SUPPLIES AND MORE.

FACT: Jews are better educated than any other major religious group in the world, Students are with an average of 13.4 years of schooling and a majority going onto higher education. more likely

PEW RESEARCH STUDY [ 2016 ] than parents ANNUAL REPORT ANNUAL to reject a school because of cost. The average Parent PLUS* loan last year from JELF recipients was $11,924, an increase % vs. % of 40% over the past decade. 88 70 SALLIE MAE * A Parent PLUS loan is a fixed-rate, federal student loan for parents of undergraduate students. [2019] Jewish Educational Loan Fund Jewish 4 JELF

JELF HAS since LOANED % % avg.2019 tuition $9,387,894 of94 students 43of 2019 2008 T O borrow money tuition prices costs JELF loan to pay for have risen in-state Public recipients come $10,116 2,406 their bachelor's JEWISH from Jewish degrees today, out-of-state STUDENTS families public IN NEED OVER a 45% rise 14more thanx the $22,577 earning THE PAST since 1993. median income private $36,801 10 YEARS ALONE. inflation. <$60K PER YEAR.

JELF'S GIFT IS 99% IN THE SAVINGS repayment rate ANNUAL REPORT ANNUAL

In 2019, JELF saved 296 students a collective $761,600 in interest that would have accrued over the life of their interest-bearing loans. JELF's loan funds are in a constant state of motion,

from one student to the next. Educational Loan Fund Jewish 5 the journey

The JELF experience is based on a cycle of giving.

JELF markets its interest-free loan program through high JELF funds its schools, Hillel, universities, counselors, youth groups, camps interest-free loans through and more in order to let those in need know about our a combination 1 financial resources. of student repayments, contributions JELF then analyzes each student’s situation through a from individual donors, family comprehensive loan application and personal interview foundations, which takes place locally. and nearly 2 every Jewish Federation in Loan applications are evaluated anonymously and its five-state confidentially by a trained committee of JELF volunteers. region.* Students are awarded their loan checks in August and/or REFER TO P. 15 3 December, depending on when they apply.

After their final graduation and a 6 month reprieve period, students have an 8-year graduated repayment schedule. This allows future Jewish students to take advantage of this ANNUAL REPORT ANNUAL 4 financial aid. Through our unique model, JELF’s funds are always in a constant state of tikkun olam.

For more, visit jelf.org. Jewish Educational Loan Fund Jewish 6 The JELF experience is based on a cycle of giving. % increase Number of JELF Recipients SINCE 2013 6

2013 2014 2015 2016 2017 2018 2019 TOTALS 227 202 219 220 273 280 296

% increase JELF Dollars Loaned SINCE 2013 26

2013 2014 2015 2016 2017 2018 2019 TOTALS $852,110 $750,118 $800,000 $814,070 $1,000,046 $1,011,266 $1,278,194

Loan Data Comparisons 2018 vs. 2019

# OF STUDENTS STUDENT NEED JELF FUNDED

2018 2019 2018 2019 2018 2019 ANNUAL REPORT ANNUAL

UNDERGRAD 220 230 $992,536 $1,093,046 $798,818 $973,972

GRADUATE 59 66 $270,730 $330,202 $212,448 $304,222

TOTALS 279 296 $1,263,266 $1,423,248 $1,011,266 $1,278,194 Jewish Educational Loan Fund Jewish 7 JELF Loans Awarded by Community

2018-2019 2019-2020

STUDENTS LOANS STUDENTS TOTAL LOANS COMMUNITY FUNDED AWARDED FUNDED NEED AWARDED

BOCA – S. PALM BEACH 21 $75,622 25 $119,248 $108,624

BROWARD 24 $81,666 28 $143,938 $137,334

GULF COAST 8 $31,750 5 $23,906 $20,818

JACKSONVILLE 9 $25,786 11 $52,644 $45,244

MIAMI 21 $90,740 23 $120,862 $115,742

FLORIDA ORLANDO N/A N/A 4 $17,122 $14,500

PALM BEACH 9 $39,350 12 $56,720 $54,752

SARASOTA-MANATEE 5 $20,134 2 $9,902 $9,686

TAMPA 6 $20,518 6 $24,107 $18,436

VOLUSIA-FLAGLER 1 $3,976 4 $17,102 $15,116

ATLANTA 72 $255,254 85 $388,999 $353,560

AUGUSTA 3 $12,500 4 $18,092 $17,236 GEORGIA SAVANNAH 3 $11,500 2 $5,258 $5,248

ASHEVILLE 2 $9,500 4 $18,702 $17,464

CHARLOTTE 17 $58,006 16 $75,552 $66,050

DURHAM-CHAPEL HILL 7 $24,988 3 $14,740 $14,640

GREENSBORO 14 $48,376 10 $49,298 $44,408 NORTH CAROLINA

RALEIGH 24 $77,728 22 $115,598 $96,320

CHARLESTON 8 $30,000 9 $41,020 $38,426 ANNUAL REPORT ANNUAL

SOUTH SOUTH

CAROLINA COLUMBIA 1 $3,000 2 $6,938 $5,646

RICHMOND 10 $34,452 7 $35,408 $27,162

VIRGINIA TIDEWATER 7 $25,220 4 $21,034 $19,120

OTHER COMMUNITIES 7 $31,200 8 $36,008 $32,950

TOTALS 279 $1,011,266 296 $1,412,198 $1,278,194

Jewish Educational Loan Fund Jewish Gainesville, Naples, Tallahassee, JELF RECENTLY added five new communities: Wilmington and Roanoke! 8 2019 JELF By the Numbers JELF's JELF loaned to Investment currently Fund has $6.9 Million 983 students. $3,590,141 AS OF 12/31/19 43% are still in school while 57% are currently repaying their loans.

$3,376,471 AS OF 3/31/20 SOURCES OF CASH FLOW: { includes cash $606,294 + $1.3M = $1,906,294 {and equities. Student Loan raised cash flow Repayments

JELF also received support from The Marcus Foundation, 99% 44% from 2016 which was used specifically to fund infrastructure repayment % from including technology, marketing and additional staff. rate 311 2014

OPERATIONS + LOANS:

OPERATIONS % $1,278,194 6 FUNDRAISING student % loans $779,709 17 provided to total expenses 296 % students LOAN PROGRAM 77 in need ANNUAL REPORT ANNUAL

JELF LOAN DATA:

In 2019, JELF reviewed Gap $134,004 2019 loan 296 applications, continuing a student need three-year trend of overview JELF Loaned $1,412,198 increased demand.

$1,278,194 Educational Loan Fund Jewish 9 Atlanta Happy Hour Jeffrey stepakoff Event

JONATHAN AND ILANA LIND

annual meeting ADON AND TARYN SOLOMON

JOSH SCHAIER • DAVE ADELMAN • DR. JUDY AND KEVIN WOLMON Annual Report

AMY KOONIN TAYLOR • NANCY GALANTI Jewish Educational Loan Fund Jewish Alumni Breakfast 10 ILANA DANNEMAN • TOMER TISHGARTEN • JANE SANDLER JOANNE BIRNBREY • JORDAN AROGETI • NANCY GALANTI [EVENT CHAIRS] UGA hillel Jeffrey stepakoff Event FEATURED EVENT SPEAKER JEFFREY STEPAKOFF shabbat HILLEL DIRECTOR ROEY SHOSHAN • JELF RECIPIENT RACHEL RAMAGLIA WITH HER FATHER IN THE BACKGROUND // THE BALLROOM AT OUR SOLD OUT JEFFREY STEPAKOFF EVENT OUR SOLD OUT JEFFREY STEPAKOFF // THE BALLROOM AT IN THE BACKGROUND

charlotte cocktail reception BRIAN MELTSNER • ALLAN OXMAN • AARON ZUCKER

CLARE AND ROBERT HABIF • AVERY KASTIN • BETH AROGETI Richmond happy hour AARON BRENNER AND KATE BELLEMAN

RABBI JUDY KEMPLER • MARISA AND JOSH YOUNG ANNUAL REPORT ANNUAL

Retirement celebration YAEL STEIN • CATHY MILLER • SUZAN SAIDMAN, OUTGOING LOAN PROGRAM MANAGER

Miami Educational Loan Fund Jewish happy hour JILL MISHKIN • JENNIE COHN • JON WARECH 11 VA

NC SC GA Local JELF administrators JELF partners with 28 Jewish agencies to administer our loan program FL locally. Each applicant has a personal interview, allowing JELF to learn more about a family's situation.

Additional contact information can be found at jelf.org/mylocaljelf.

Ruth & Norman Rales Daniel Chejfec, Shari Augusta Jewish Jewish Family assisted Ruth & Norman Rales Waknin Federation Jewish Family Services Services, Inc. by Cathy Help. Hope. Humanity. Cohen AUGUSTA, GA SOUTH PALM BEACH, FL Fishman

Savannah Jewish David Posnack Jewish Adam Federation Community Center Maya Harvey Solender SAVANNAH, GA BROWARD, FL

Gulf Coast Jewish Family & Jewish Family Services Community Services, Inc. Gail Allen of Western North Carolina Anne Wainer ASHEVILLE, NC GULF COAST, FL

Jacksonville Jewish Family Hilary Jewish Family Services & Community Services Claire Alessi Rotenberg of Greater Charlotte, Inc. JACKSONVILLE, FL Cabellos CHARLOTTE, NC Jewish Community Services of South Florida Laurie Turner Durham-Chapel Hill Jenny MIAMI, FL Jewish Family Services Schwartz DURHAM / CHAPEL HILL, NC The Roth Family Jewish Community Center of Lisa Wayne Greater Orlando Greensboro Jewish Family Betsy ORLANDO, FL Services Gamburg GREENSBORO, NC Jewish Federation of Volusia and Flagler Gloria Max Counties Raleigh - Cary Jewish VOLUSIA-FLAGLER, FL Family Services Mor Kantor RALEIGH, NC The Jewish Federation of Sarasota-Manatee Andrea Eiffert Rabbi Chabad of Wilmington SARASOTA, FL Moshe WILMINGTON, NC Lieblich Tampa Jewish Family Chanita Services Charleston Jewish Sara Moore TAMPA, FL Family Services Sharnoff CHARLESTON, SC Chesley Alpert Jewish Family & Children's Service Olivia Columbia Jewish Laney of Palm Beach County Tartakow Family Services Cohen NORTH PALM BEACH, FL COLUMBIA, SC

Jewish Council of North Virginia Christine Central Florida Brissette DeMaioribus ANNUAL REPORT ANNUAL

GAINESVILLE, FL Hirshik Jewish Family Services and volunteers RICHMOND, VA Jaci Miller Rabbi and Cindy Temple Israel Michael Anderson TALLAHASSEE, FL Shields Jewish Family Service Jewish Federation Michelle Renee of Tidewater of Greater Naples Walter Bialek TIDEWATER, VA NAPLES, FL

Roanoke Jewish Yael Stein, Federation Court Rosen assisted Atlanta Jewish Family by Dan ROANOKE, VA and Career Services Arnold and

Jewish Educational Loan Fund Jewish ATLANTA, GA Tzipporah Gerson-Miller 12 2019 Loan Review In 2019, JELF held Loan Review sessions in 3 cities. 84 volunteers reviewed 296 applicants. JELF was proud to loan $1,278,919 to all 296 students but was still $134,000 short of our applicants’ calculated need.

TO OUR REVIEWERS:

ATLANTA CHARLOTTE CHAIRS: KATHE BROWN, DONNA FREEDMAN, EYDIE KOONIN, EMILY SAUERTEIG CHAIR: DONNA FREEDMAN

Dave Adelman Glenn Frank Brad Kirschner David Siegel Ellen Engelhardt Sheila Adelman Nancy Galanti Steven Kushner Randie Siegel Peggy Gartner Jeff Alperin Ilana Gang Ellen Laddin Don Sklar Jeff Gorelick Irene Aronin Stephanie Gang Aaron Lipson Sandi Solow Todd Gorelick Jane Aronoff Dr. Marianne Daniels Jen Lowenstein Doug Spear Donna Lerner Brian Banner Garber Stan Lowenstein Sam Srochi Ross Levin Justin Barry Greg Gaylis Shari Marx Tara Targovnik Dr. Benjamin Sutker Dr. Bruce Becker Marc Goldstein Caki Mendel Bob Thompson Lisa Sutker Arielle Birenberg Anne Greenbaum Larry Mendel Josh Videlefsky Aaron Zucker Joanne Birnbrey Dr. Paul Hirsch Rob Rickles Ronit Walker Zane Blechner Richard Jacobson Jerry Riemer Aubrey Wasilewsky Marvin Botnick z”l Philip Kahn Kevin J. Rubin Marc Weinberg Linda Davis Andi Kaufman Kevin M. Rubin Dr. Nanette Wenger Bea Feiman Jonathan Kessler Phil Rubin Dr. Judy Wolman Geoffrey Fishman Lanie Kirsch Irene Shtrulis Tavi Yehudai

FT. LAUDERDALE CHAIR: EMILY SAUERTEIG Josh Goldglantz Ross Linzer Jay Eisenberg Pam Kirtman Jamie Raider Pearl Feiss Brian Koch Louis Reinstein Dr. Marianne Noah Leopold Jordan Simler Daniels Garber Karen Leopold Hillary Tescher

FT. LAUDERDALE ANNUAL REPORT ANNUAL

ATLANTA

CHARLOTTE Educational Loan Fund Jewish 13 Today, Michal lives in Washington, D.C. where she teaches kindergarten to students with special Avi & Michal needs and disabilities.

After graduating from SwerdlowHOMETOWN – ATLANTA, GA Brandeis, Avi attended

SIBLINGS graduate school at the University of Southern California. He now lives in Los Angeles and works as a Product Manager at Google.

In 1996 our family emigrated to the U.S. from South Africa, which was considered very unsafe at the time. Our mother became a Jewish special education teacher and built her own practice. Our father founded his own kosher meat business, “Grillers’ Pride. By the time we were ready to apply to college, our parent’s businesses were still in the nascent stage, and they were not in a position to fully fund our out-of-state college aspirations. By reducing the cost of tuition and providing us with an interest-free loan, JELF opened up an option that may otherwise have been limited by financial realities. Because of this aid, we were able to enroll in our top choices for our given paths that have allowed us to both ANNUAL REPORT ANNUAL blossom in our respective fields. We are both actively repaying our loans and thereby supporting current students who are relying on JELF. We hope by being a part of JELF’s 99% repayment rate, we can open similar experiences for other families. When we have finished repaying our loans, we both look forward to becoming JELF donors and advancing the cycle. Jewish Educational Loan Fund Jewish ” 14 SIBLINGS SPONSOR A STUDENT Thank you to the following donors whose commitment to JELF provides an interest-free loan for four consecutive years.

SCHOLARS LEVEL: $40,000 ($10,000/YEAR)

Vicki and Gerry Benjamin Rae Alice and Bernard Cohen Generational Fund

Sheryl Blechner Michele and David Hirsch our Donors to Ann and Jay Davis

MASTERS LEVEL: $20,000 ($5,000/YEAR) Jane and Craig Aronoff Andrea and Ned Montag Andrea and Doug Spear Cherie and Gary Aviv Tracy and Glen Nadel Marilyn and Mickey Steinberg Blumenthal Foundation Ruth and Mark Rosenberg Alice and Tom Tisch Elizabeth and Adam Gaslowitz The Phyllis and Stanley Shavitz Mitzi and Steve Waronker Heidi and David Geller Family Fund Marc Weinberg Ginsburg Family Foundation Phyllis Shavitz Rachel and Ian Weiner Hope and Craig Kaufman Steve Shavitz Eydie and Steve Koonin Linda and Mark Silberman

BACHELORS LEVEL: $10,000 ($2,500/YEAR) Jeff Alperin Melanie and Ricky Fine Alison Rand and Allan Zachariah Jane and Craig Aronoff Viki and Paul Freeman Eva and Robert Ratonyi Kimberly and Joel Babbit Nancy and Ronnie Galanti Ellen and Rob Rickles Karen and David Balser Stephanie and Barry Gang The Seaman Foundation Susan and Brian Banner Barbara and David Garber Kathy and David Siegel Cindy and Bruce Becker Marcia and Richard Jacobson Johanna and David Skid Joanne and Eddie Birnbrey Carole and Sid Kirschner Melissa and Don Sklar Sara Blakely and Jesse Itzler Julie and Danny Kleinman Sam Srochi Kathe and Morris Brown Lynne and Steve Kushner Marcia Steinberg Lori and Todd Edlin Jennifer and Ross M. Levin Marilyn and Mickey Steinberg Lori and Jay Eisenberg Jen and Stan Lowenstein Luci and Stan Sunshine Ilene Engel Donna Maslia and Matthew Morton Dede and Bob Thompson Ina and Harold Enoch Ilana and Richard Peretz Judy and Kevin Wolman

Special thanks to the Jewish Federations that have generously supported JELF in 2019. ANNUAL REPORT ANNUAL

CHARLESTON JEWISH FEDERATION JEWISH FEDERATION OF GREATER CHARLOTTE

COLUMBIA JEWISH FEDERATION JEWISH FEDERATION OF JACKSONVILLE

GREATER MIAMI JEWISH FEDERATION JEWISH FEDERATION OF RALEIGH-CARY

GREENSBORO JEWISH FEDERATION JEWISH FEDERATION OF SARASOTA-MANATEE

JEWISH COMMUNITY FEDERATION OF RICHMOND JEWISH FEDERATION OF SOUTH PALM BEACH COUNTY

JEWISH FEDERATION OF BROWARD COUNTY SAVANNAH JEWISH FEDERATION

JEWISH FEDERATION OF DURHAM – CHAPEL HILL TAMPA JEWISH COMMUNITY CENTER & FEDERATION

JEWISH FEDERATION OF GREATER ATLANTA UNITED JEWISH FEDERATION OF TIDEWATER Jewish Educational Loan Fund Jewish 15 2019 JELF The following donors made contributions of $250 and greater to JELF between January 1, 2019 and December 31, 2019.

$100,000+ Kerrin and Peter Bermont. MIAMI, FL Sara Blakely and Jesse Itzler. ATLANTA, GA The Marcus Foundation, Inc. ATLANTA, GA Joanne and Eddie Birnbrey. ATLANTA, GA Elaine and Jerry Blumenthal. ATLANTA, GA Blumenthal Foundation. CHARLOTTE, NC Lynne Borsuk and Robert Smulian. DECATUR, GA

to our Donors to $50,000 - $99,999 The Breman Foundation, Inc. ATLANTA, GA Charles and Esther Lee Kimerling Charitable Foundation. ARDSLEY ON HUDSON, NY Jane and Craig Aronoff. ATLANTA, GA Kathe and Morris Brown. ATLANTA, GA Faye Kimerling. ARDSLEY ON HUDSON, NY Eydie and Steve Koonin. ATLANTA, GA Douglas J. Hertz Family Foundation, Inc. SMYRNA, GA Marcia and Mark Miller Family Foundation. Lori and Todd Edlin. ATLANTA, GA Kim Kimerling. ATLANTA, GA ATLANTA, GA Nancy and Ronnie Galanti. ATLANTA, GA Debbie Kimerling Schneider. ATLANTA, GA

Michael and Andrea Leven Family Foundation. Heidi and David Geller. ATLANTA, GA Linda and David Cohen. CHARLESTON, SC BOCA RATON, FL Ginsburg Family Foundation. WINTER PARK, FL The Engel Foundation, Inc. ATLANTA, GA The Halpern-Oppenheimer Family Foundation, Ina and Harold Enoch. ATLANTA, GA $25,000 - $49,999 Inc. ATLANTA, GA Ruth and David Falkenstein. ATLANTA, GA

Molly Blank Fund of the Arthur M. Blank Family Henry and Sylvia Yaschick Foundation. Melanie and Ricky Fine. MEMPHIS, TN Foundation. ATLANTA, GA CHARLESTON, SC Viki and Paul Freeman. ATLANTA, GA Eliot J. Garber Foundation, Inc. ATLANTA, GA Scott Horowitz. ATLANTA, GA Stephanie and Barry Gang. MARIETTA, GA The Zalik Foundation Fund. ATLANTA, GA John and Mary Franklin Foundation, Inc. ATLANTA, GA Barbara and David Garber. ATLANTA, GA

Ann Kaplan. ATLANTA, GA Marianne and Stephen Garber. ATLANTA, GA $10,000 - $24,999 Karen and Norman Leopold. AVENTURA, FL Karen and Andrew Ghertner. ATLANTA, GA Anonymous. ATLANTA, GA Elizabeth Levine. ATLANTA, GA Greater Miami Jewish Federation. MIAMI, FL Cherie and Gary Aviv. ATLANTA, GA Mimi’s Fund. ATLANTA, GA Bonnie and Joshua Greenwald. SCARSDALE, NY Alice and Noah N. Langdale, Jr. Foundation. Dara and Andy Grant. ATLANTA, GA Marcia and Richard Jacobson. MARIETTA, GA ATLANTA, GA Shauna and Steven Grosswald. ATLANTA, GA Jewish Federation of Greater Charlotte. Vicki and Gerald Benjamin. ATLANTA, GA Jessica and Jeffrey Sacks. ATLANTA, GA CHARLOTTE, NC Sheryl Blechner. ROSWELL, GA Tracy and Glen Nadel. ATLANTA, GA Jewish Federation of Jacksonville, Inc. Josh Blum. WILTON, CT Nelson Mullins. ATLANTA, GA JACKSONVILLE, FL Ann and Jay Davis. ATLANTA, GA Ruth and Mark Rosenberg. ATLANTA, GA Fredricka and Philip Kahn. ATLANTA, GA The Ernst & Gertrude Ticho Charitable Sage Mountain Advisors. ATLANTA, GA Lynn and Neil Kessler. RICHMOND, VA Foundation. BOCA RATON, FL The Phyllis and Stanley Shavitz Family Fund. Julie and Daniel Kleinman. MARIETTA, GA Lea and Adam Gaslowitz. ATLANTA, GA GREENSBORO, NC Mark Kopkin. ALPHARETTA, GA Anne and Michael Greenbaum. ATLANTA, GA Phyllis Shavitz. GREENSBORO, NC Lynne and Steve Kushner. ATLANTA, GA Greenberg Traurig LLP. ATLANTA, GA Steve Shavitz. GREENSBORO, NC Jennifer and Ross M. Levin. CHARLOTTE, NC Michele and David Hirsch. ATLANTA, GA Johanna and David Skid. ATLANTA, GA Jen and Stan Lowenstein. ATLANTA, GA Jewish Federation of Broward County. FORT Andrea and Doug Spear. ATLANTA, GA Donna Maslia and Matthew Morton. ATLANTA, GA LAUDERDALE, FL Dede and Bob Thompson. ATLANTA, GA Lenore and Victor Maslia Foundation. ATLANTA, GA Jewish Federation of Greater Atlanta. ATLANTA, GA Alice and Tom Tisch. NEW YORK, NY Monica and Richard Maslia. ATLANTA, GA Hope and Craig Kaufman. ATLANTA, GA Mitzi and Steve Waronker. MARIETTA, GA Marci and Isador Mitzner. PALM BEACH GARDENS, FL Andrea and Ned Montag. ATLANTA, GA William Weiller. ATLANTA, GA Jackie and Tony Montag. ATLANTA, GA North Georgia Pain Clinic. CANTON, GA Marc Weinberg. ATLANTA, GA Brenda and Leon Novak. ATLANTA, GA Rae Alice and Bernard Cohen Generational Fund. Rachel and Ian Weiner. DELRAY BEACH, FL Carolyn Oppenheimer. ATLANTA, GA ATLANTA, GA The Zaban Foundation. ATLANTA, GA Debbie and Craig Perry. PLANTATION, FL The Robert Sillins Family Foundation, Inc. ATLANTA, GA Carol and Larry Cooper. ATLANTA, GA Ellen and Scott Rafshoon. ATLANTA, GA ATLANTA, GA ATLANTA, GA ANNUAL REPORT ANNUAL ATLANTA, GA Laura and Marshall Dinerman. Alison Rand and Allan Zachariah.

Shirley Glass Charitable Lead Trust. The Honorable Wendy Shoob and Walter Jospin. Sara and Robert Franco. ATLANTA, GA Eva and Robert Ratonyi. ATLANTA, GA ATLANTA, GA Judy Zaban. ATLANTA, GA Ellen and Rob Rickles. ALPHARETTA, GA

Marilyn and Mickey Steinberg. ATLANTA, GA Amy and Philip Rubin. ATLANTA, GA Thalia and Michael C. Carlos Foundation, Inc. $2,500 - $4,999 Ruth and Bucky Stein Family Charitable ATLANTA, GA Jeff Alperin. ATLANTA, GA Foundation. WILMINGTON, NC

Jordan and Scott Arogeti. ATLANTA, GA The Seaman Foundation. ATLANTA, GA $5,000 - $9,999 Juliet Asher and Michael Golden. ATLANTA, GA The Selig Foundation, Inc. ATLANTA, GA ATLANTA, GA Ellen Arnovitz and Michael Plasker. Kimberly and Joel Babbit. ATLANTA, GA Cathy Selig Kuranoff and Steve Kuranoff. ATLANTA, GA ATLANTA, GA Susan and Brian Banner. Karen and David Balser. ATLANTA, GA ATLANTA, GA Linda and Steve Selig. ATLANTA, GA The Benatar Foundation. Cindy and Bruce Becker. ATLANTA, GA Kathy and David Siegel. ATLANTA, GA Mindy and Warren Binderman. ATLANTA, GA Jewish Educational Loan Fund Jewish 16 Robin and Jerry Silk. SCARSDALE, NY Bea and Bruce Feiman. ATLANTA, GA Lichterman Loewenberg Foundation. MEMPHIS, TN

Melissa and Donald Sklar. MARIETTA, GA Ellen and Howard Feinsand. ATLANTA, GA Lindsey and Ross Linzer. FORT LAUDERDALE, FL

Sandi and Marc Solow. ROSWELL, GA Jody and Michael Feldman. ATLANTA, GA Eva and Charles Lipman. ATLANTA, GA

Sam Srochi. ATLANTA, GA Stella and Stan Firestone. ATLANTA, GA Leslie and Aaron Lipson. ATLANTA, GA

Marcia Steinberg. DECATUR, GA Elizabeth and Elliot Fitzgerald. RICHMOND, VA Melanie and Lee Lipton. SARASOTA, FL

Luci and Stan Sunshine. ATLANTA, GA Natalie Frisbee and Adam Lubkin. AVENTURA, FL Joel and Irwin Lowenstein. LONGBOAT KEY, FL

Ronit Walker and Matt Bronfman. ATLANTA, GA Jade and Greg Gaylis. ATLANTA, GA Jennifer Glazer Malkin. BEVERLY HILLS, CA

Nancy Geller. ATLANTA, GA Susan and Fred Mannheimer. ALPHARETTA, GA

$1,000 - $2,499 Elizabeth Goldberg and Scott Greenwald. Charlotte and Joel Marks. ATLANTA, GA

Anonymous. ATLANTA, GA (2) ATLANTA, GA Shari and Gary Marx. ATLANTA, GA

Nancy Abrams. ATLANTA, GA Bernie Goldstein. ATLANTA, GA David Maslia. ATLANTA, GA

Sandra Adair. ATLANTA, GA Karen and Steven Goldstein. ATLANTA, GA Sherry and Harry Maziar. ATLANTA, GA

Sheila and David Adelman. ATLANTA, GA Lynn and Marc Goldstein. ATLANTA, GA Risa and David Miller. CHARLOTTE, NC

Gary Alembik. ATLANTA, GA Stacy and Todd Gorelick. CHARLOTTE, NC Ellen and Scott Monen. FRANKLIN, TN

Barbara and Joseph Alpert. INDIANAPOLIS, IN Melissa and Greg Gotlin. ALPHARETTA, GA Morris Family Foundation, Inc. ATLANTA, GA

Tina and Jake Arbes. ATLANTA, GA Cathy and Alan Gottlieb. ATLANTA, GA Cara and Eitan Ovadia. BOCA RATON, FL

Phyllis and Eliot Arnovitz. ATLANTA, GA Tracey and Sammy Grant. ATLANTA, GA Rian Pressman. NEW YORK, NY

Amy and Robert Arogeti. ATLANTA, GA Greensboro Jewish Federation. GREENSBORO, NC Carol and Ian Ratner. ATLANTA, GA

Beth and Joel Arogeti. ATLANTA, GA Carol and Alan Grodin. ATLANTA, GA Patty and Doug Reid Family Foundation, Inc.

Fran and Jack Arogeti. ATLANTA, GA Maria and Alexander Gurevich. CHESTNUT HILL, MA ATLANTA, GA

Irene Aronin. ATLANTA, GA Barbara and Jay Halpern. ATLANTA, GA Robert Russell Memorial Foundation. MIAMI, FL

Melanie and Frank Baker. COLUMBIA, SC Deedee and Marc Hamburger. ATLANTA, GA Ellen and Steven Rogin. WINNETKA, IL

Lindsey and Justin Barry. ATLANTA, GA Caryn Hanrahan and Andy Siegel. DECATUR, GA Beth Ann and IJ Rosenberg. ROSWELL, GA

Marcy Bass and Scott Fisher. MARIETTA, GA The Hebrew Order of David Foundation/Atlanta Stephen Rosenberg. WARNER ROBINS, GA Kosher BBQ Festival. ATLANTA, GA Juli and Billy Bauman. ATLANTA, GA Rob Rosenblatt. ATLANTA, GA Helen Marie Stern Memorial Fund. ATLANTA, GA Paul Benamy. ALPHARETTA, GA Jennifer and Joel Rosenfeld. ATLANTA, GA Heyman F. Foundation. MARIETTA, GA Marjorie and Barry Berg. PALM BEACH GARDENS, FL Doug and Robyn Ross Family Foundation, Inc. Deborah Harris. MARIETTA, GA ATLANTA, GA Lesley and Bruce Berman. ATLANTA, GA Gail and Lyons Heyman, Jr. MARIETTA, GA Alexandra and Ian Roth. ATLANTA, GA The Billi Marcus Foundation, Inc. ATLANTA, GA Ellen and Jack Holland. ATLANTA, GA Amy and Jerry Rothenberg. BUFORD, GA Karen and David Birnbrey. ATLANTA, GA Rena and Richard Holland. DUNWOODY, GA Amy and Jeffrey Rubin. ATLANTA, GA Zane Blechner. ATLANTA, GA Ann-Therese and Eli Hyman. SULLIVANS ISLAND, SC Andrea and Kevin Rubin. MARIETTA, GA The Blonder Family Foundation, Inc. ATLANTA, GA Deborah and Louis Jacobs. ATLANTA, GA Jacquie and Harvey Sacks. ATLANTA, GA Miriam and Marvin Botnick z”l. ATLANTA, GA Jan and Greg Jay. ATLANTA, GA Suzanne Sacks and Gil Wolchock. ROSWELL, GA Gayle and Ron Breakstone. ATLANTA, GA Jewish Federation of Durham-Chapel Hill. Lisa Salzman. DURHAM, NC The Celebrity Foundation, Inc. MIAMI, FL DURHAM, NC Emily and Rene Sauerteig. ATLANTA, GA Charleston Jewish Federation. CHARLESTON, SC Jewish Federation of Raleigh-Cary. RALEIGH, NC Savannah Jewish Federation. SAVANNAH, GA Linda and Steven Citron. ATLANTA, GA Jewish Federation of Sarasota-Manatee. SARASOTA, FL Novy and Mark Scheinfeld. MARIETTA, GA Jay Coffsky. ATLANTA, GA Evelyn and Shmuel Katz. MIAMI BEACH, FL Adam Seligman. PALM BEACH GARDENS, FL Justine and Andre Cohen. ATLANTA, GA Rosanne and Andrew Kauss. ATLANTA, GA Ellen and Steven Shapiro. WELLINGTON, FL Columbia Jewish Federation. COLUMBIA, SC Lanie and Greg Kirsch. ATLANTA, GA Jaimi and Mike Sharkey. ATLANTA, GA Susan and Arthur Davis. RICHMOND, VA Lori and Ronald Kirschner. ATLANTA, GA Jenna and Corey Shulman. ATLANTA, GA Rachel Dinerman and Garrett Van De Grift. Susan Kraham and Gerald Riemer. ATLANTA, GA ATLANTA, GA Lisa Shulman. BALTIMORE, MD Liz and Phil Krieger. ATLANTA, GA Lara and Adam Dorfman. DUNWOODY, GA Gayle and Harris Siegel. ATLANTA, GA David Kuniansky. ATLANTA, GA Janet and Milton Dortch. MARIETTA, GA Leigh and Morrie Siegel. MIAMI, FL Debbie and Douglas Kuniansky. MARIETTA, GA Dressler's Jewish Funeral Care. ATLANTA, GA Randie Siegel. ATLANTA, GA

Bundi and Larry Lefkoff. ATLANTA, GA REPORT ANNUAL Richard Eichholz. SAVANNAH, GA Laurie Silberman and Richard Zane. ATLANTA, GA Faye and Craig Lefkoff. ATLANTA, GA Dean Eisner. LONGBOAT KEY, FL The Snow Foundation. ATLANTA, GA Rick Lenner. ATLANTA, GA Cheryl and David Eppsteiner. MARIETTA, GA Eileen and David Price. ATLANTA, GA Levy Family Foundation. SAVANNAH, GA Jessica and Ori Epstein. ATLANTA, GA Kerri and Jeffrey Snow. ATLANTA, GA Randi and Sid Levy. ATLANTA, GA Renee and Charles Evans. ALPHARETTA, GA Gary Snyder. ATLANTA, GA Zach Levy. ATLANTA, GA Nora Everlove. SAINT PETERSBURG, FL Stanley Srochi. ATLANTA, GA

According to Newsweek, student loan balances are today's biggest source of consumer debt. Jewish Educational Loan Fund Jewish 17 Elaine and Joel Stepakoff. DUNWOODY, GA Barbara and Craig Fleming. ATLANTA, GA Faith and Howard Levy. ATLANTA, GA

Tampa JCC & Federation. TAMPA, FL FNZ Foundation, Inc. GREENSBORO, NC Ephrat and Jason Lipton. ATLANTA, GA

Wendy S. Tanson and James I. Falek. Amy and Chuck Fox. ATLANTA, GA Sandy and Bob . ATLANTA, GA

CHAPEL HILL, NC Helene and Robert Fox. HOLLYWOOD, FL Douglas Mandel. BOCA RATON, FL

Judith and Mark Taylor. ATLANTA, GA Frank Family Foundation. ATLANTA, GA Diana and David Margolis. ATLANTA, GA

Pam and Ricky Tinter. MARIETTA, GA Donna and Joel Freedman. ATLANTA, GA Suzy and Dave Mayer. MARIETTA, GA

Angie and Skip Weiland. MARIETTA, GA Robin and Darrin Friedrich. ATLANTA, GA Alison and Barry Medintz. ATLANTA, GA

Nanette Wenger. ATLANTA, GA Roz Fuchs. MAITLAND, FL Janet and Anthony Mills. ATLANTA, GA

Melinda and Steven Wertheim. ATLANTA, GA Lisa Galanti and Hal Rabinowitz. ATLANTA, GA Heather and Scott Neu. ATLANTA, GA

Sharon and Howard Wexler. ATLANTA, GA Melvyn and Eleanor Galin Family Foundation. Claudia and Hal Nowak. ATLANTA, GA

Winter Foundation: Wayne Lazarus. ATLANTA, GA SAVANNAH, GA Karen and Ken Olshansky. GLEN ALLEN, VA to our Donors to Michele and Stephen Winter. ROSWELL, GA Nancy Gardner and Edward Gordon. MARIETTA, GA Stephen Oppenheimer. ATLANTA, GA

Judy and Kevin Wolman. ATLANTA, GA Shelley and Bruce Gaynes. ATLANTA, GA Susan and Steven Pepper. ATLANTA, GA

Katherine and Michael Woocher. ATLANTA, GA Margo and Larry Gold. ATLANTA, GA Lisa and Hal Philipson. ATLANTA, GA

Meredith and Ortav Yehudai. ATLANTA, GA Bobbie and Jon Golden. ATLANTA, GA Lindy and Norman Radow. ATLANTA, GA

Anita Zucker. CHARLESTON, SC Leon Goldstein. ATLANTA, GA Nancy Rampell and David Blum. ATLANTA, GA

Lawrence and Aaron Zucker. CHARLOTTE, NC Judith and Robert Golomb. ATLANTA, GA Rachel and Jay Robins. ATLANTA, GA

Wendy and Neil Goodman z"l. ATLANTA, GA Polly and David Roffwarg. ATLANTA, GA $500 - $999 Ilene and Adrian Grant. ATLANTA, GA Jodi and Jeffrey Rosenberg. ATLANTA, GA

Anonymous. ATLANTA, GA (3) Cecile Gudelsky. ATLANTA, GA Lori and Kevin Rubin. ATLANTA, GA

Anonymous. CHARLESTON, SC Clare and Robert Habif. DUNWOODY, GA Allison and Scott Saffran. MARIETTA, GA

Anonymous. GOLDSBORO, NC Lynne and Jack Halpern. ATLANTA, GA Jeri Salit and Hal Scherz. ATLANTA, GA

Rose and Victor Ackermann. GREENSBORO, NC David Hansen. BROOKLYN, NY Emilie and Arthur Samet. GREENSBORO, NC

Diane and Kent Alexander. ATLANTA, GA Lisa and Jim Haynor. ATLANTA, GA Jane Sandler and Alex Polyakman. ALPHARETTA, GA

Ann and Herbert Alperin. ATLANTA, GA Lianne Herzberg. SAN FRANCISCO, CA Susan and Morray Scheinfeld. ATLANTA, GA

Marilyn and Edmund Barron. MT. PLEASANT, SC Eleanor and David Hochberg. MARIETTA, GA Alissa Schor and Daniel Kedme. ATLANTA, GA

Susan and Jonathan Barry. MARIETTA, GA Kim and Ken Hockstein. ATLANTA, GA Elizabeth and Sammy Schulman. WESTON, FL

Sally and Harold Berger. ATLANTA, GA Lynn Hoffman-Brouse and Mark Brouse. Karen and Richard Shmerling. ATLANTA, GA SALT LAKE CITY, UT Candy and Stephen Berman. ATLANTA, GA Ruthie and Alan Shor. DALLAS, TX Rhalda Kahn. ATLANTA, GA Brad and Arielle Birenberg. ATLANTA, GA Irene Shtrulis. ATLANTA, GA Karen Kerness and Rabbi Peter Berg. ATLANTA, GA Jen and Michael Birnbrey. ATLANTA, GA Joyce and Robert Shuman. GREENSBORO, NC Jonathan Kessler. ATLANTA, GA Sheila and Jeffrey Britz. NEW YORK, NY Linda and Mark Silberman. ATLANTA, GA Nancy and Alan Kessler. ATLANTA, GA Delilah and Steven Cohen. ATLANTA, GA Leslie and Ronald Swichkow. MARIETTA, GA Barbara Klawans. MUNSTER, IN Tova and Mark Cohen. ATLANTA, GA Arin and Lorne Tritt. ATLANTA, GA Judy and Martin Kogon. ATLANTA, GA CRI CPA. ATLANTA, GA United Jewish Federation of Tidewater. Isaac Dakar. TAYLORS, SC Sharon and Cary A. Koplin. NEW YORK, NY VIRGINIA BEACH, VA

Brenda and Stanley Daniels. ATLANTA, GA Jill and David Krischer. ATLANTA, GA Susan and Bill Usdan. ATLANTA, GA

Debbie and Aaron Danzig. ATLANTA, GA Janet Lavine and Rick Williams. ATLANTA, GA Mariella Volio and David Rachelson. ATLANTA, GA

Enid and Jerry Draluck. ATLANTA, GA Donna and Gary Lerner. CHARLOTTE, NC Zachery von Gonten. LAKE WORTH, FL

Nicole Ellerine and A.J. Robinson. ATLANTA, GA Jennifer and Gary Lesser. PALM BEACH GARDENS, FL Rochelle Weiner. GREENSBORO, NC

Elisa and Robert Ezor. ATLANTA, GA Amy and Louis Lettes. ATLANTA, GA Laurie and Todd Weiss. ATLANTA, GA

Ron Felmus. HENRICO, VA Nancy and Marshall Levine. ATLANTA, GA Melissa and Larry Weiss. MARIETTA, GA

Jill and Joseph Ferst. MARIETTA, GA Jarvin Levison. ATLANTA, GA Linda and Robert Wener. ATLANTA, GA

Barbara and Bryan Fields. ATLANTA, GA Sharon and Michael Levison. ATLANTA, GA Sherri and Robert Wildstein. ATLANTA, GA

Lora and Geoffrey Fishman. ATLANTA, GA Diane and David Levy. ATLANTA, GA Julie-Anne and Jeremy Wohlberg. ATLANTA, GA ANNUAL REPORT ANNUAL

Known as the “People of the Book”, Jews valued education long before migrating to the United States. In America, education is the great leveler; it is the one thing that Jewish Americans immediately embraced as a path to opportunity for themselves and their children. In addition to education, a vital pillar of Judaism is tzedakah, which literally means righteousness, or doing the right thing. — The Jewish Americans, a documentary

PROVIDES THE MEANS FOR A HIGHER Jewish Educational Loan Fund Jewish EDUCATION THROUGH TZEDAKAH. 18 $250 - $499 Erica and Andrew Herman. GREENSBORO, NC Amy Sue and Neal Maziar. ATLANTA, GA Patti and Craig Hersch. FORT MYERS, FL Denise McLaughlin and Michael Robinowitz. Anonymous. ATLANTA, GA Marla and Bernard Hoppenfeld. ATLANTA, GA ATLANTA, GA Anonymous. DUNWOODY, GA Pearlann and Gerald Horowitz. ATLANTA, GA Cathy and Ronny Miller. MARIETTA, GA Stephanie and Marshall Abes. ATLANTA, GA Stacy and Ed Hyken. ATLANTA, GA Sheila and Donald Minsk. ATLANTA, GA Moose Alperin. DECATUR, GA Cheryl and Philip Isaacs . ATLANTA, GA Dedi and Julian Mohr . ATLANTA, GA Michael Axelrod. ATLANTA, GA Leslie and Doug Isenberg. ATLANTA, GA Vicki and Steven Morris. ATLANTA, GA Dee and Kalman Baruch. SAVANNAH, GA Phyllis and Martin Isenberg. ATLANTA, GA Sharon Berger and William Moscow. ROSWELL, GA Selena and Bradley Bauman. ATLANTA, GA Michael Jacobs, MARIETTA, GA Barbara and Mark Murovitz. ATLANTA, GA Sandy and Larry Baumwald. , GA David Jacoby . , FL Andrea and Matthew Oppenheimer. ATLANTA, GA Janet Ellis Beerman. ATLANTA, GA Andrea Jaron and Larry Bircoll . ATLANTA, GA Darcy and Joe Oxman. MARIETTA, GA Janice and Louis Belinfante. CUMMING, GA Cheryl and Brad Kacher . CHERRY LOG, GA Sandra Palay. ATLANTA, GA Sherri and William Bornstein. ATLANTA, GA Ronnie Kahn. CHARLOTTE, NC Susan and Ronnie Pertnoy. PALM BEACH GARDENS, FL Geri and Harris Botnick. ATLANTA, GA Carrie and Samuel Kaplan. ATLANTA, GA Sally and Alan Pinsker. ATLANTA, GA Rachel and Yevgeniy Braynin. CARY, NC Sally and Philip Kaplan. MARIETTA, GA Suzanne and Richard Reiman. LONGBOAT KEY, FL Jennifer and Robert Britanisky. SPARTANBURG, SC Liz and Dan Karen. ATLANTA, GA Lisa and Gerald Reisman. ATLANTA, GA Beth and Gavin Brown. ATLANTA, GA Rabbi Judy and Daniel Kempler. MIAMI, FL James Roberts. CLEARWATER, FL Carol and Robert Chanin. ATLANTA, GA Carole and Sidney Kirschner. ATLANTA, GA Judy and Malcolm Roseman. ATLANTA, GA Whitney and Keith Chernoff. COS COB, CT Brad Kirschner. ATLANTA, GA Laurie and Joel Rosenberg. BOCA RATON, FL Stuart Clayman. HENRICO, VA The Jules and Gwen Knapp Family Robin and Bert Rosenthal. MARIETTA, GA Carol Cohen and Peter Gleichman. ROSWELL, GA Foundation. STUART, FL Leslie Rubin. CLEARWATER, FL Debbie and Jeffrey Cohen. ATLANTA, GA Michael Kogan. CHARLESTON, SC Suzan and Gary Saidman. ATLANTA, GA Lisa and Sherman Cohen. ATLANTA, GA Kimberly and Richard Kopelman. ATLANTA, GA Ally and Eric Saltzman. ATLANTA, GA Erin and Tony Cox. ATLANTA, GA Ellen and Leonard Samet. GREENSBORO, NC Thomas Cromartie. ATLANTA, GA Dara and Josh Schaier. ATLANTA, GA Evaline and Norman Delson. CHARLESTON, SC Michele and George Scheer. ROSWELL, GA Lee and Jeff Edelman . ATLANTA, GA Leigh and Michael Segall. ATLANTA, GA Karen and Andrew Edlin. ATLANTA, GA Beth and Jonathan Seidel. ATLANTA, GA Lauren and Scott Eisenberg. DELRAY BEACH, FL A LOAN Lainey and Sam Sibble. ATLANTA, GA Suzy and Hadley Engelhard. ATLANTA, GA Debra and Philip Siegel. ATLANTA, GA Lila and Steven Fair. ATLANTA, GA Mattye and Marc Silverman. CHARLOTTE, NC Leonard Feinberg. WINTER PARK, FL Grace and Daniel Sklar. SMYRNA, GA Arnold Feinstein. ATLANTA, GA BUT NOT Ellen Spitz and Harvey Spiegel. ALPHARETTA, GA Deborah and Scott Feld. ALPHARETTA, GA Beth Starr. PELHAM, NY Diane Fiedotin. ATLANTA, GA Stacey and Mitchell Kopelman. MARIETTA, GA Ira Steingold. VIRGINIA BEACH, VA Kenneth Fields. LAKE WALES, FL Jana and Michael Kreisberg. ATLANTA, GA Beth and Edward Sugarman. ATLANTA, GA Jill and Glenn Frank. ATLANTA, GA Jane and David Kulbersh. COLUMBIA, SC Margie and Jonathan Sussman. NORTH MIAMI Jen and Adam Freeman. ATLANTA, GA Debbie and David Kurzweil. Atlanta, GA BEACH, FL Sheila and Shelly Friedman. ATLANTA, GA Sheri and Steven Labovitz. ATLANTA, GA Stephanie and Tomer Tishgarten. CUMMING, GA Juli and Neil Galanti. ATLANTA, GA Michelle and Stuart Langer. DECATUR, GA Steven Urken. ATLANTA, GA Robert Galanti. ATLANTA, GA Ilene and Jeffrey Levenson. JACKSONVILLE, FL Brittany and Joshua Videlefsky. ATLANTA, GA Rebecca Gelfand. ATLANTA, GA Janice and Steven Levetan. SANDY SPRINGS, GA Ellina and Chad Waldman. KIRKLAND, WA The George B. Kaufman Foundation. ATLANTA, GA Rita and Michael LeVine. ATLANTA, GA Ory Warshenbrot. APEX, NC Joanna and Ira Genser. ATLANTA, GA Abby and Matthew Levy. ATLANTA, GA Adam and Molly Weinberg. ATLANTA, GA Leah and Josh Goldglantz. BOCA RATON, FL Barby and Bert Levy. ATLANTA, GA Mindy Wertheimer and Ira Katz. MARIETTA, GA Lucy Grantham z"l and Mario Greszes. Stacey and Eric Levy. ATLANTA, GA Judy and Daniel Wolbe. ATLANTA, GA ATLANTA, GA Linda and Jon Lewin. ATLANTA, GA Stephanie and Justin Wyatt. ATLANTA, GA Debra and Harold Halpern. ATLANTA, GA Jenifer and William Lieberbaum. MARIETTA, GA Carol and Brian Young. ATLANTA, GA Tamar and Guy Harari. ATLANTA, GA Denny Marcus and Andre Schnabl. ATLANTA, GA Grace Zwerner. ATLANTA, GA ANNUAL REPORT ANNUAL

About 69% of students in 2019 took out student loans, “graduating with an average debt balance of $29,800.” PROVIDES THE MEANS FOR A HIGHER THE FEDERAL RESERVE Jewish Educational Loan Fund Jewish EDUCATION THROUGH TZEDAKAH. 19 JELF values its partnerships with the following organizations and entities:

We could not complete ANNUAL REPORT ANNUAL our mission without you.

JELF IS A PROUD MEMBER OF THE Jewish Educational Loan Fund Jewish 20 17.5"

8.75"

the BOARD & Staff

EXECUTIVE BOARD BOARD OF DIRECTORS Dave Adelman Glenn Frank Eydie Koonin Ian Roth PRESIDENT TREASURER Jane Aronoff Phil Krieger Sheila Adelman Donna Freedman Mark Kopkin Kevin Rubin Brian Banner Ilana Gang Steven Kushner Adon Solomon IMMEDIATE PAST ASST. TREASURER Justin Barry Stephanie Gang Ross Linzer Bob Thompson PRESIDENT Philip Khan THANK YOU Stan Lowenstein Warren Binderman Heidi Geller Aaron Lipson Steve Waronker SECRETARY Eddie Birnbrey Marc Goldstein Carolyn Oppenheimer Howard Wexler VICE PRESIDENTS Greg Gaylis Kathe Brown Richard Jacobson Scott Rafshoon Gil Wolchock Nancy Galanti Michael Feldman Craig Kaufman Jerry Riemer Marianne Garber OFFICERS AT LARGE Rob Rickles Jeff Alperin FOR SUPPORTING Emily Sauerteig Joanne Birnbrey Jason feldman Don Sklar Social Media & Development Associate Jenna Leopold Shulman (not pictured) Chief Executive Officer Myriam Angel Development & Alumni Associate MISSION. (not pictured) Tamar Cathy Miller Operations & IT Coordinator Chief Operating Officer Jody Vane Josh Schaier Executive Assistant Director of Development Jenifer Lieberbaum Administrative Assistant & Project Coordinator David Cohen Director of Marketing Sandra Bass Loan Program Manager 11.25" 4" 17.5"

8.75"

2019 Annual

Meeting the need interest-free

11.25" FRee of InteRest. Full of hope. NC JELF PROVIDES INTEREST-FREE, LAST DOLLAR APPLICATIONS ACCEPTED JELF.ORG

SC (770) GA LOANS FOR HIGHER ED TO STUDENTS MAR 1 SEPT 1 [email protected] THROUGH THROUGH 396 IN ACROSS A FIVE-STATE REGION. APR 30 + SEPT 30 3080 FL Reach out.

@JELFLOANS CENTRAL OFFICE 4549 Chamblee Dunwoody Road Atlanta, Georgia 30338

4"