Frequently Asked Questions

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About JBridge

Jbridge Faq

What is JBridge?

JBridge is a not-for-profit organisation established by JCA to facilitate affordable interest-free payment plans (JBridge plans) for parents wishing to send their children to a participating Jewish Day School in NSW.  JBridge has been generously funded by a select group of major community donors who form part of The Giving Forum.

What is a JBridge plan?

A JBridge plan is a means-tested interest-free deferred payment plan, available to eligible families, to help them afford an education at a participating private primary Jewish Day School.

Who is eligible for a JBridge plan?

JBridge plans may be made available to parents who satisfy the following criteria:
– their child/ren are entering a participating Jewish Day School in NSW
– their child/ren will be in any of years K-6  (ie. primary school)
– on completing the required financial application, are assessed as having the financial capacity (and an acceptable credit record) to pay the reduced upfront school fees and meet the agreed deferred repayments
– their child/ren are eligible to enrol and are accepted into one of the participating Jewish Day Schools
– they have a combined net household income of between $75,000 and $350,000 per annum.

Does JBridge apply to high school?

JBridge has been established for primary school education at participating Jewish Day Schools in NSW only.

For which schools can I apply for a JBridge plan?

Currently, JBridge plans are available to those childen who wish to attend the primary schools of: Emanuel School, Kesser Torah College, Masada College, Moriah College and Mount Sinai College.

My child currently attends a Jewish Day School, can I apply for a JBridge plan?

JBridge plans are currently only available to eligible children entering the Jewish Day School system for the first time (children currently attending Jewish pre-schools who are not enrolled at a Jewish primary school are eligible to apply).

Am I guaranteed access to a JBridge plan if eligible?

There is a limited pool of funding available to provide JBridge plans. JBridge will try to facilitate as many applications as possible, subject to the funding constraints.

I have more than one child. Do I need to apply for a separate JBridge plan for each child?

All eligible children can be included in the one application. You do not need to complete a separate application for each child.

How is a JBridge deferred payment plan different from loan finance?

Eligibility for a JBridge plan is means-tested. Repayments are also means-tested. There is no interest charged on JBridge plans and repayments are not indexed to take account of inflation. The amount and frequency of deferred payments are means tested and re-evaluated each year. This ensures that repayments are affordable.

If I am eligible for a JBridge deferred payment plan, will my school fees be reduced?

The upfront school fee amount is reduced, but over time, the full school fees will be paid. It is important to note that this is an interest free deferred payment plan, not a fee subsidy.

How do I know the amount and frequency of repayments?

The deferred payments are determined by JBridge on the basis of means-testing and subject to agreement with you. The repayment frequency can be weekly, monthly or as mutually agreed.

What happens if my financial circumstances change?

The deferred payment plan is means-tested on an annual basis. As such, if your financial circumstances change, this may be reflected in an amended repayment plan.

Who determines the outcome of my application?

Your application is assessed by a committee of JBridge. The Committee bases its decision on the information provided in your application and the annual amount of JBridge funds available.

How complex is the JBridge application process?

You can do an assessment of your eligibility via the anonymous eligibility calculator on this website. If you are assessed as eligible for a JBridge plan, you will need to complete the full online application form found on the website. In the online application form you will need to provide sufficient financial details for the JBridge committee to assess your financial capacity (and credit record) to repay the deferred payments and associated school fees. Once your application has been assessed, you will be notified of the outcome and if successful, you will be required to complete the relevant JBridge participation agreement in order to finalise your enrolment with your chosen school. You will need to approve a direct debit arrangement to facilitate your agreed repayments.

Is the information I provide confidential?

Yes, your application information is confidential and is only seen by members of the JBridge committee and external third-party information providers and processors contracted by JBridge to perform certain functions (eg. credit check). Such third-parties are bound by strict confidentiality arrangements.

What happens when my child/ren complete primary school?

When your child completes primary school your financial circumstances will continue to be re-assessed each year and any remaining repayments to JBridge will be re-evaluated on a means-tested basis. This annual process will continue until all your outstanding JBridge deferred fees have been repaid. In certain circumstances, your repayment period may extend past your child leaving high school. Currently no JBridge plans are available for high school.


Financial Faq

What is the maximum JBridge amount I can apply for?

JBridge plans are available for up to 50% of the base school fees (i.e. excluding levies) at the participating Jewish Day School of your choice.

What are the current base school fees to which the JBridge percentage is applied?

The calculations have been based on the 2018 published school fees as shown below:

School Emanuel School Masada College Moriah College Mount Sinai College
Year K $12,310 $13,560 $16,328 $15,542
Year 1 $13,555 $16,176 $17,613 $15,542
Year 2 $14,955 $16,176 $17,613 $15,542
Year 3 $15,995 $17,844 $21,298 $15,542
Year 4 $17,115 $17,844 $21,298 $15,542
Year 5 $17,950 $17,844 $23,578 $15,542
Year 6 $18,545 $18,452 $23,578 $15,542
What is the interest rate on a JBridge plan?

JBridge plans are interest free, with no indexing of outstanding balances.

If I own property am I still eligible for a JBridge facility?

Owning your own home does not mean you cannot receive a JBridge facility. While some schools may not provide a subsidy to families who own property (either your primary residence or investment property), JBridge will not exclude you from JBridge eligibility. We assess eligibility for JBridge facilities primarily on your ability to pay both your portion of the school fees directly to your chosen school and your ability to make your agreed monthly JBridge repayments.

How long are JBridge plans available?

JBridge plans are available for every year of primary school subject to you meeting the eligibility criteria.

How long is the period to make JBridge payments?

The repayments on your JBridge plan are means-tested and re-assessed annually. In certain circumstances the repayment period can extend up to four years after your child’s high school graduation.

Is there a minimum monthly payment?

The minimum monthly JBridge repayment is $100 per month.

How often do I need to provide my financial details?

You are required to update your financial position on an annual basis for means-testing purposes and to meet ongoing eligibility requirements.

What are the costs associated with a JBridge plan?

Provided you meet your obligations in relation to your agreed JBridge plan, you will not be liable for any fees. If you do not meet your agreed repayments, administration charges may apply to cover the associated costs.

How is my credit tested and my privacy assured?

JBridge contracts a third party financial agency to review your credit score and advise JBridge of your capacity to make repayments. Any third-party service provider is subject to confidentiality obligation. For more details see our Privacy Policy.

Who assesses my financial position?

After assessment by a third-party independent financial agency contracted to JBridge, your JBridge plan is assessed by a JBridge  committee.

Will applying for a JBridge plan impact my credit score?

As part of the JBridge application process, we seek your approval to share information with a third-party service provider to conduct your credit check. Any third-party service provider is subject to confidentiality. Your credit assessment is not recorded against your credit record.

What happens to JBridge repayments if my child leaves school?

If your child leaves the participating Jewish Day School for which your JBridge plan was provided, you will no longer be eligible for a new JBridge facility (unless that child moves to another participating school). Repayments on your existing JBridge plan will continue, and will be reassessed annually. Should you leave a participating school to attend a non-Jewish Day School, any fees paid to the new school are not taken into account when determining your gross monthly expenses for the purposes of means-testing. As such, your annual JBridge repayments may increase and your repayment period may be shorter.

How do I make repayments?

Once the relevant school enrolment is complete, you will be asked to complete a debit order agreement to facilitate your weekly, fortnightly or monthly agreed repayments to JBridge.

Who do I pay?

The deferred amounts under the agreed JBridge plan are paid to JBridge (as collecting agent for the school). The non-deferred amounts are payable directly to the school.