Financial Aid Handbook
New Jersey Tuition Aid Grants (TAG)
Tuition Aid Grants are available to full-time undergraduate students who demonstrate financial need. The student must be a legal New Jersey resident and have not previously earned a bachelor’s degree. Students must log into their NJFAMS Account at https://njfams.hesaa.org following the completion of their FAFSA. Students must respond to any inquiry (if applicable) from The State of NJ Higher Education Student Assistance Authority (HESAA) in order to verify/maintain eligibility to State aid programs.
Educational Opportunity Fund (EOF)
Educational Opportunity Funds are available to New Jersey residents who come from educationally disadvantaged backgrounds with demonstrated financial need. EOF grants are available to full-time undergraduate and graduate students. Students must be admitted to the program at the university to receive this grant. Once accepted into the program the university will determine the amount of the award.
Governor’s Urban Scholarship (GUS)
Merit award for students who rank in the top 5% of their high school class and a GPA of 3.0 at the end of their junior year in high school and a NJEI below 10500.
New Jersey Student Tuition Assistance Reward Scholarship (NJ Stars II)
Funding provided to students attending a private college or university in NJ and received an associates degree and was a NJ Stars recipient.
New Jersey University Loans to Assist
State Students (NJCLASS)
The NJCLASS loan program is available for the families of undergraduate or graduate students enrolled at least halftime and are legal New Jersey residents. Under the NJCLASS program, a student, parent, legal guardian, spouse, or relative may borrow for each student per academic year up to the cost of attendance minus any other financial aid. New Jersey residents attending an approved school outside of New Jersey and out-of-state students attending an approved New Jersey school are also eligible. NJCLASS Loan funds can be used to pay for school-related expenses (tuition, fees, books, supplies, room and board, etc). The loan is available to those who are credit worthy. A credit worthy co-signer may be required if the student or other borrower does not meet the credit requirements.
There are three repayment options under the NJCLASS program. You may actively pay the principal and the interest, defer the principal but pay the interest, or defer both interest and principal until after the student graduates. Maximum repayment time is 15 years.
New Jersey World Trade Center Scholarship (WTC)
Eligible dependent children and surviving spouses of New Jersey residents who were killed in the terrorist attacks against the United States on September 11, 2001; died as a result of injuries received in the attack; died as a result of illness caused by exposure to the attack sites; or were declared missing and officially presumed dead as a result of the attack, may be eligible. Recipients may attend any eligible college in-state or out-of-state. Scholarship amounts may change based on program funding and the student’s other available financial assistance..
Survivor Tuition Benefits (STB)
Eligible children and surviving spouses of New Jersey firefighters, emergency service workers or law enforcement officers who were killed in the line of duty may enroll free of tuition charges at any public institution of higher education in New Jersey. Recipients may also attend any approved independent institution in the State. The award amount cannot exceed the highest tuition charged at a New Jersey public institution. Awards are renewable.
Law Enforcement Officer Memorial Scholarship (LEOMS)
Eligible dependent children of New Jersey law enforcement officers killed in the line of duty may receive scholarships up to the cost of attendance at an approved institution of higher education in New Jersey. The award amount cannot exceed an amount equal to the recipient’s annual cost of attendance that is not otherwise covered by any other scholarship, grant, benefit or other assistance administered by HESAA. Awards are renewable for up to four years.