Keeping the Light of Knowledge Shining Brightly

Josephine Circle Interest-Free Loans


The Josephine Circle, Inc., grants up to 15 interest-free loans of $2,500 per semester to applicants pursing a higher education. Loans are renewable each semester and are limited to $20,000 over eight continuous, uninterrupted semesters. Loans are re-payable on a monthly basis beginning six months after completion of a program or leaving school.


The Scholarship Committee selects recipients on the basis of submitted application criteria and availability of loan funds. Applicants must have maintained a 3.3 average and submit a biographical record and supporting material. No loans are awarded to members of the Circle, the Scholarship Committee or their immediate families.

Selection of Recipients

Loans are awarded consistent with the existence of the Josephine Circle exempt status under Section 501(c)(3) of the Internal Revenue Code.

Need More Information?

For further informtion, email the Loan and Scholarship Committee at This email address is being protected from spambots. You need JavaScript enabled to view it.




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© The Josephine Circle, Inc.

P.O. Box 381394
Germantown, TN 38138-1394
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