150 West State Street. Trenton NJ 08608 -- 609-989-1100 office

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Association Staff

Michael W. Klein, JD, PhD

Chief Executive Officer

mwklein@njascu.org


Directors


Barbara Berreski, Esq.

Government & Legal Affairs

bberreski@njascu.org


Patricia A. Berry

Budget & Administration

pastearman@njascu.org


Pamela J. Hersh

Communications & Marketing

pjhersh@njascu.org 


Support Staff


Charlene R. Pipher

Executive Assistant/Web Design

crpipher@njascu.org


Terry Toth

Part-Time Secretarial Assistant

tmtoth@njascu.org 



Contact Info

New Jersey Association of State Colleges and Universities

150 West State Street

Trenton, New Jersey 08608

609-989-1100 office


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NJ Student Debt

State Government

Student Assistance Hotline........................................... (609) 584-4480

(Monday-Thursday 8 a.m.- 8 p.m./Friday 8 a.m. - 5 p.m.)


TDD System for Hearing Impaired.................................  (609) 588-2526

(Monday-Friday 8 a.m. - 5 p.m.)


NJBEST: toll free......................................................... (877) 4NJBEST

Tuition Aid Grant (TAG)

  • NJ resident undergraduate demonstrating financial need.
  • Applicants must be U.S. citizens or eligible non-citizens.
  • Applicants must have been legal residents of New Jersey for 12 consecutive months immediately prior to enrollment.
  • Variable annual grants renewable subject to student eligibility and cost of attendance.
  • File a Free Application for Federal Student Aid (FAFSA) within established state deadlines.

Educational Opportunity Fund

  • Supports educationally and economically disadvantaged students for undergraduate and graduate study.
  • Applicants must be permanent residents of New Jersey for 12 consecutive months.
  • Applicants must be U.S. citizens or eligible non-citizens.
  • Applicants must demonstrate financial need.
  • Applicants must be enrolled full-time at a participating New Jersey college or university.

Part-Time TAG for County Colleges

  • NJ resident demonstrating financial need, enrolled at a New Jersey county college.
  • Applicant must have been a legal resident of New Jersey for 12 consecutive months immediately prior to enrollment.
  • Degree-seeking student enrolled for 6-11 credits per term.
  • Variable annual grant renewable subject to student eligibility and cost of attendance.

Governor's Urban Scholarship

The Governor's Urban Scholarship program provides students in 14 of New Jersey's most challenged communities the opportunity and resources they need to pursue a higher education at one of New Jersey's TAG-participating colleges and universities.  To be eligible for a $1,000 annual award, a student must:

  • Be a U.S. citizen or eligible non-citizen and a New Jersey resident for at least 12 consecutive months immediately preceding high school graduation;
  • Graduate in the top 5% of his or her high school class;
  • Attain a cumulative grade point average of 3.0 or higher at the end of the junior year in high school;
  • File a Free Application for Federal Student Aid (FAFSA) and complete the State grant record within established state deadlines;
  • Have a New Jersey Eligibility Index less than 10,500;
  • Graduate from a traditional public, public charter, county vo-tech or nonpublic school;
  • Reside in Asbury Park, Camden, East Orange, Irvington Township, Jersey City, Lakewood, Millville, Newark, New Brunswick, Paterson, Plainfield, Roselle Borough, Trenton or Vineland; and
  • Maintain full-time enrollment (at least 12 college-level credits per term).

NJ STARS Program

The NJ STARS Program provides New Jersey's highest achieving students with free tuition for up to 18 credits per semester at their home county college.  To be eligible, a student must:

  • Be a U.S. citizen or eligible non-citizen and a New Jersey resident for at least 12 consecutive months immediately preceding high school graduation;
  • Graduate in the top 15% of their high school class;
  • Complete a rigorous high school curriculum;
  • Demonstrate college readiness by taking a college placement test;
  • File a Free Application for Federal Student Aid (FAFSA) within established state deadlines;
  • Enroll in a degree program no later than the fifth semester immediately following high school graduation; 
  • Maintain continuous full-time enrollment (at least 12 college-level credits per term);
  • Attain a cumulative GPA of at least 3.0 after two semesters of enrollment.

NJ STARS II Program

The NJ STARS II Program is a continuation of the NJ STARS Program that provides successful NJ STARS students with funding to transfer to a New Jersey TAG-participating four-year college or university to earn a baccalaureate degree.  To be eligible, a student must:

  • Receive an associate degree from a county college and attain a cumulative GPA of 3.25 or higher upon graduation.
  • File a Free Application for Federal Student Aid (FAFSA) within established state deadlines.
  • Enroll full-time in a baccalaureate degree program immediately following county college graduation.
  • Maintain continuous full-time enrollment at a TAG-participating four-year institution for up to four semesters.
  • Have an annual family income of less than $250,000.
  • NJ STARS II students receive $1,250 per semester, funded 100% by the state.
  • NJ STARS II awards cover tuition for up to 18 credits per semester, except for Tuition Aid Grant recipients who receive NJ STARS II awards based on tuition and approved fees.  The amount of the NJ STARS II award is determined after applying all other state and federal grant and scholarhip aid to these charges.  NJ STARS II students are responsible for any remaining balance.

NJ-Governor's Industry Vocations Scholarship (NJ-GIVS) for Women and Minorities

NJ-GIV pays up to $2,000 per year for the cost of enrollment in an eligible certificate program, less any federal financial aid.

Other State Loan, Scholarship and Savings Programs

New Jersey World Trace Center Scholarship

  • Benefits dependent children and surviving spouses of New Jersey residents who were killed in or died as a result of the terrorist attacks against the United States on September 11, 2001 or who died as a result of exposure to the attack sites.
  • Must be a U.S. citizen or eligible non-citizen.
  • Must be a full-time undergraduate student at any Title IV-eligible college in New Jersey or out-of-state.
  • Eight-year time limitation for application from the date of the child's high school graduation and eight years from the date of death for the spouse.

Law Enforcement Officer Memorial Scholarship Program (LEOM)

  • Available to dependent children of New Jersey law enforcement officers killed in the line of duty.
  • Must enroll as a full-time undergraduate at an approved NJ institution of higher education.

NJCLASS Loan

During FY 2012-2013 the NJCLASS program approved nearly $30 million in low interest student loans to students attending the nine NJASCU-member institutions.  Funds were distributed among the institutions as follows:


Loan Volume

Number of Loans

The College of New Jersey

Kean University

Montclair State University

New Jersey City University

Ramapo College of New Jersey

Stockton University

Thomas Edison State University

William Paterson University

            Total

$7,817,711

2,728,452

5,828,954

425,481

3,049,580

5,023,059

14,834

1,749978

$26,638,049

596

278

502

47

239

473

3

202

2,340

NJBEST (New Jersey Better Educational Savings Trust) is the State of New Jersey's college savings program, helping families invest in a child's educational future.

  • Either the contributor or the beneficiary must be a New Jersey resident.
  • A beneficiary may receive up to a $1,500 scholarship if he/she attends college in NJ; the first $25,000 in NJBEST savings is exempt from consideration in the award of state need-based aid.
  • Earnings are exempt from state and federal income tax, if used for higher education.
  • No age or income limit.
  • The minimum contribution to open an account is $25.  Account contributions may not exceed $305,000.
  • Savings may be used for full-time or part-time postsecondary institutions, in-state or out-of-state, that participate in approved state and federal student aid programs.

The Primary Care Physician/Dentist Loan Redemption Program offers state funds to mach federal funding for supervised care in medically underserved areas of the state.

Nursing Faculty.  This program is intended to address the current and projected critical shortage of nursing faculty in the State of New Jersey.  It provides an incentive for persons to enter graduate nursing education programs by offering student loan redemption in exchange for full-time faculty employment at a school of nursing in the State of New Jersey for a five-year period following completion of the approved graduate degree program.

John R. Justice Loan Redemption Program.  To qualify for loan repayment assistance, an applicant must:

  1. be currently employed full-time as an eligible prosecutor or public defender;
  2. have eligible outstanding student loan debt in good standing with each lender;
  3. sign a service agreement committing to remain employed as an eligible public defender or prosecutor for at least three years.

Federal Government


Federal Assistance Hotline..............................(800) 4-FEDAID

TDD System for Hearing Impaired.....................(800) 730-8913

(Weekdays 8 a.m. - 12 midnight/Saturdays 9 am - 6 pm)


Federal Pell Grant

  • U.S. citizen or eligible non-citizen undergraduate.
  • Variable annual grants, based on financial need, renewable for up to 12 semesters (or its equivalent) of an undergraduate program.

Federal Supplemental Educational Opportunity Grant (FSEOG)

  • U.S. citizen or eligible non-citizen undergraduate with exceptional financial need.
  • Variable annual grants, renewable for duration of undergraduate program.

Federal Direct:  Subsidized Stafford Loan Program

  • Loans made to students who demonstrate need; interest paid by the government during periods of in-school, grace and authorized deferments; interest is the responsibility of the borrower at all other times.
    • Rates for undergraduate students with subsidized loans (per U.S. Department of Education, August 9, 2013 Electronic Announcement.)
    • Loans disbursed between July 1, 2013 and June 30, 2014 - fixed at 3.86%
    • Loans disbursed between July 1, 2014 and June 30, 2015 - fixed at 4.66%
  • U.S. citizen or non-citizen resident enrolled at least half-time at a participating postsecondary school.
  • Repayment begins 6 months following graduation, withdrawal or less than half-time enrollment.
  • Various repayment terms available.
  • Annual loan limits vary.

Federal Direct:  Unsubsidized Stafford Loan Program

  • Students who may not qualify for the Direct: Subsidized may be eligible.
  • Loans made to students, interest is the responsibility of the borrower at all times.  Interest can be paid while in school or borrower can have the interest capitalized, or added to the loan principal.
  • U.S. citizen or non-citizen resident enrolled at least half-time at a participating postsecondary school.
  • Repayment begins 6 months following graduation, withdrawal or less than half-time enrollment.
  • Various repayment terms available.
  • Annual loan limits vary.
  • Interest rate for undergraduate borrowers
    • Loans disbursed between July 1, 2013 and July 1, 2014 - fixed at 3.86%
    • Loans disbursed between July 1, 2014 and July 1, 2015 - fixed at 4.66%
  • Interest rates for graduate borrowers
    • Loans disbursed between July 1, 2013 and July 1, 2014 - fixed at 5.41%
    • Loans disbursed between July 1, 2014 and July 1, 2015 - fixed at 6.21%

Federal Plus Loan

  • Parents of eligible undergraduate students.
  • Graduate/professional students are also eligible.
  • Fixed 7.21% interest rate loan; no interest subsidy.

Federal Perkins Loan

  • U.S. citizen or eligible non-citizen; campus-based program.
  • Undergraduate loans (up to $5,500 per year) to a total of $27,500.
  • Graduate loans (up to $8,000 per year) to a total of $60,000 including undergraduate loans.
  • Repayable at 5% interest, with up to 10 years following graduation to pay.

Federal Work Study (FWS)

  • U.S. citizen or eligible non-citizen with financial need; campus-based program.
  • Part-time paid work, on or off campus, averaging 15 hours weekly during school year.


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