What state financial aid is available in New Jersey?

TAG (need-based), NJ STARS (community college), and the NJ CLASS Loan (state-backed) are primary programs. Visit hesaa.org for current eligibility and deadlines.

What is the NJ CLASS Loan?

The NJ CLASS Loan is a state-backed education loan for NJ students — worth comparing against private lenders. See hesaa.org for current rates and terms.

Should I take federal or private student loans in New Jersey?

Exhaust federal loans, TAG, and NJ CLASS Loan before private. Federal loans offer income-driven repayment and PSLF. Apply at studentaid.gov first.

Does New Jersey have a student loan forgiveness program?

NJ does not have a broad forgiveness program. HESAA administers the Nursing Faculty Loan Redemption program. NJ public employees also qualify for federal PSLF — see studentaid.gov.

How do I compare private student loans in New Jersey?

After TAG, federal loans, and NJ CLASS Loan, compare private lenders on APR, repayment, and cosigner release.

Student Loans in New Jersey

New Jersey's TAG is one of the largest state need-based grant programs nationally, providing substantial awards to qualifying NJ residents at eligible NJ institutions. HESAA also operates the NJ CLASS Loan — a state-backed education loan competitive with private lenders. NJ STARS covers community college tuition for qualifying students, with NJ STARS II for transfer to four-year institutions.

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