Form 990 for tax year 2025

Totals

Total revenue

$551,864

Total expenses

$434,279

Contributions and grants received

$531,243

Grants paid

$122,747

Program service revenue

$8,505

Investment income

$12,116

Other revenue

$0

Total assets, end of year

$686,899

Total liabilities, end of year

$9,938

Net assets or fund balances, end of year

$676,961

Program services expenses (Part IX)

$325,944

Management and general expenses

$76,388

Fundraising expenses

$31,947

Program service expenses (Part III)

$325,944

Program services were 75.1% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

Line items

Every line the filer filed in Parts VIII, IX and X, as filed and in filed order. Blank columns are left out, and the lines are not forced to add up to the totals above.

Mission and programs · 2025

• Senior Outreach Initiative Jewish Family Services offers services and resource referrals through the Senior Outreach Initiative for older adults in greater Charleston. JFS seeks to maintain the independence and dignity of senior adults, while keeping them connected to Jewish traditions and community. Our friendly staff provide the following services to assist seniors and their family and caregivers: Resources and referrals to the appropriate local agencies.Comprehensive assessments Assistance in navigating senior benefits Home and long-term care visitations Jewish-themed gatherings at senior living residences Wellness visits Holocaust Survivor Support JFS also provides Holocaust survivors with critical financial resources that they need to live with dignity.

  Expenses $178,196 · Grants $13,532 · Revenue $8,505

• Emergency Financial Assistance Emergency Financial Services offers financial assistance to individuals and families in greater Charleston. Jewish history and values guide our work; therefore, we have a responsibility to meet the particular needs of the Jewish community while also providing services to people of all backgrounds. We assist people in the Jewish and broader communities to achieve stability and well-being by providing food, financial assistance and social support services. Kosher Food Pantry Since its creation, the Kosher Food Pantry (KFP) has contributed to the response to hunger in the greater Charleston community. The KFP reflects our commitment to the Jewish values of tzedakah (charity) and tikkun olam (repair of the world) and to serving community members in need with kavod (respect). Jewish Education Loan Fund JELF funded 396 Jewish students at over 100 different college and universities with a total of $1,933,235 in interest-free loans. In 2025, students from the Charleston area and received $2,000. JELF is proud that it's 100% interest-free loans for higher education (college, graduate school and vocational programs) helped more Jewish students with more loans and larger average loans than ever before. To qualify for a JELF loan, a student applicant must be: A permanent resident of FL, GA, SC, NC, and VA (excluding the greater DC area) - but can go to any U.S. accredited school Enrolled full time in a program leading to a degree or certificate and in good academic standing A U.S. citizen or have lawful immigration status Able to provide a designated co-signer Able to demonstrate financial need (FAFSA application required) The need for student loans is more important now than ever before. New statistics report that since 1980, the cost of college tuition has gone up 260% for both public and private four-year colleges. By contrast, inflation rates have only risen by 2.7%. This is why approximately 43 million Americans collectively owe $1.5 trillion in federal student loan debt, plus an estimated $119 billion in private student loans. JELF's loans go beyond paying for rising tuition cost. They also help cover the educational and living expenses that other financial aid doesn't offer, such as travel, rent, food and books. As a result, JELF's no-interest loans help borrowers save thousands of dollars in high-interest bearing debt. As one recent "JELFie" put it, "JELF's gift is truly in the savings." While there are many organizations that provide interest-free loans, JELF is distinct in that it is the only Jewish organization in the U.S. focused exclusively on higher education. Students and their families can apply online at JELF.org starting March 1. The application will then be open until April 30th with supporting documents being due a week later. "My college journey was made possible by JELF," says Joshua Klafter, a recent JELF loan recipient. "I can't express how appreciative I am for its existence." In addition to being funded by support from individual donors and family foundations, JELF is proud to boast a 99% repayment rate. It's a sign that the community strongly believes that money should not stand between a student and the education that he or she needs to excel in life. Since 1961, JELF has provided more than $12.5 million in the form of over 4,500 loans. Jewish Free Loans To provide members of our Jewish community financial loans to help them meet unexpected financial challenges, or assistance with the cost to engage in Jewish life. Jewish or "Hebrew" Free Loan Associations have been providing interest-free loans to individuals across North America for over a century. There is a recognition that sometimes life throws a wrench in one's plans, and that the support of the community can make the difference in how one is able to meet that challenge. Jewish Family Services (JFS) is excited to embark on a new initiative for helping individuals and families in the Charleston community-Jewish Free Loans of Charleston. Supporting one another through "life's ups and downs," we ensure the strength and vitality of our community now and into the future. Eligibility Applicants must: Identify as being Jewish Be 18 years of age or older Demonstrate financial need Have a Co-signer (Two co-signers if the loan is over $2000) Have lived in the Charleston or Greater Charleston area for at least one Year

  Expenses $147,748 · Grants $109,215

As filed on the 2025 return. The filer continues this part on Schedule O, which is not shown here.

Listed in Part VII

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those.

Grants on this return

No itemized grants to organizations on this return.

Provenance

Return type

form_990

Tax year

2025

Filed

4 March 2026

IRS schema version

2025v4.0

Source object

202630699349301883

Check it against the return as filed: the GivingTuesday Data Lake hosts a public copy of the original XML.

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