You will need the Flash plugin to view this publication

Download the Flash plugin for free here. Just refresh this page after installing Flash.
Also make sure that javascript is enabled in your browser.

Alternatively, you can download this publication in PDF-format - Click here.

Page 1
Page 2
Page 3
Page 4
Page 5
Page 6
Page 7
Page 8
Page 9
Page 10
Page 11
Page 12
Page 13
Page 14
Page 15
Page 16
Page 17
Page 18
Page 19
Page 20
Page 21
Page 22
Page 23
Page 24
Page 25
Page 26
Page 27
Page 28
1StateFederalFinancialAidforUndergraduateandGraduateStudents 2StateFederalFinancialAidforUndergraduateandGraduateStudentsMISSION..........................................................................................................3ITSEASYTOAPPLYFORFINANCIALAID...................................................4GRANTSSCHOLARSHIPSWORK-STUDYPROGRAMSFEDERALPROGRAMSFederalPellGrant......................................................................................................8FederalSupplementalEducationalOpportunityGrantFSEOG..........................8TeacherEducationAssistanceforCollegeandHigherEducationGrant.............8FederalWork-StudyFWSProgram.......................................................................9FederalDirectStudentLoans...................................................................................9FederalParentLoanforUndergraduateStudentsPLUS.....................................10FederalGraduatePLUS............................................................................................10FederalPerkinsLoan.................................................................................................10STATEPROGRAMSTuitionAidGrantTAG.............................................................................................12Part-TimeTAGProgramforCountyCollegeStudents...........................................12EducationalOpportunityFundEOFGrant............................................................12GovernorsUrbanScholarship..................................................................................12NewJerseyWorldTradeCenterScholarship.........................................................13NJStudentTuitionAssistanceRewardScholarshipNJSTARS..........................14NJStudentTuitionAssistanceRewardScholarshipIINJSTARSII...................15SurvivorTuitionBenetsSTB.................................................................................16LawEnforcementOfcerMemorialScholarshipLEOMS....................................17NJGovernorsIndustryVocationsScholarshipNJGIVS..........................................18STATEANDFEDERALAIDStateandFederalAidPrograms..............................................................................20STATELOANSNJCLASSLoan................................................................................................21GraduateProfessionalLoan.............................................................................22HowtoRequestATaxReturnTranscript......................................................23GeneralTermsYouWillNeedtoKnowGrantAgiftofmoneytoaqualiedstudentthatdoesnothavetoberepaid.DirectLoanborroweddirectlyfromthefederalgovernmentAfederalloanfundeddirectlybytheU.S.government.LoanAloanmadebyalendinginstitutionstateauthorityfederalgovernmentnon-protbankorfor-protbanktoberepaidwithaxedorvariableinterestrate.ThesymbolsshownbelowappearnexttothenameofeachfederalandStateprogramtoshowthecollegelevelofstudentswhomaybeeligibletoparticipate.UndergraduateGraduateTableofContents 3StateFederalFinancialAidforUndergraduateandGraduateStudentsMissionTheHigherEducationStudentAssistanceAuthorityHESAAadminis-tersNewJerseysstudentgrantandscholarshipprogramstheNJBEST529CollegeSavingsPlanandtheNJCLASSStatesupplementalloanprogram.Since1959HESAAanon-protState-designatedauthorityhasdeliveredover18billioninnancialaid.Eachyearover1millionstudentsreceiveassistancefromoutreachprogramsandaidprogramsHESAAadministers.ThisbrochurehighlightsthemajorStateandfederalstudentaidprograms.Howeverstudentnancialassistanceisalsoavailablethroughinstitutionsandprivatesources.Youshouldworkcloselywithyourcampusnancialaidofceregardingtheavailabilityofstudentaidfunds.YoumayalsocontactHESAAsCustomerCareLineat609-584-4480orvisitourwebsiteatwww.hesaa.org. 4StateFederalFinancialAidforUndergraduateandGraduateStudentsItsEasyToApplyforFinancialAidWhatistheFAFSATheFreeApplicationforFederalStudentAidFAFSAmustbecom-pletedeveryyeartobeconsideredfornancialaid.BycompletingtheFAFSAyouareapplyingforStateandfederalgrantsscholarshipsinstitutionalfundingandfederalstudentloans.Completingandsubmit-tingaFAFSAisfree.InfactchargingafeeforcompletingorsubmittingtheFAFSAisprohibitedbylaw.TherearethreewaystocompletetheFAFSAOnlineFAFSAontheWebatwww.fafsa.govrecommendedPDFFAFSAdownloadleatwww.fafsa.ed.govoptions.htmPaperFAFSA-requestacopybycalling1-800-4-FED-AID1-800-433-3243DeadlinesThereisadeadlinefortheFAFSAeveryyearanditcandifferfromstateandcollegedeadlines.SubmittheFAFSAasearlyaspossibletomeetalldeadlines.Someinstitutionsrequireanadditionalapplicationtodetermineeligibilityforinstitutionalfunds.Somegrantandwork-studyprogramawardsaredistributedonarst-comerst-servedbasis.Thetimelysubmissionofyourapplicationcanincreaseyourchancesofreceivingassistance. 5StateFederalFinancialAidforUndergraduateandGraduateStudentsTheApplicationProcessApplyingonlineisgenerallythefastestandeasiestwaytoapply.Ifyoudonothaveinternetaccessathomeyoucanusuallyndinternetac-cessatyourlocallibraryhighschoolornancialaidofceatanearbycampus.Over98percentofapplicationsaresubmittedelectronically.YoucancompletetheFAFSAbydownloadingthePDFform.Typeyourresponsesontheformandprinttheform.Youcanalsoprinttheformandwriteintheresponses.IfyouchoosetolloutthePDForpaperversionoftheFAFSAthecompletedformmustbesigneddatedandmailedtotheaddressprovided.CreateAPINPersonalIdenticationNumberYouandyourparentsareencouragedtoapplyforaFederalStudentAidPINPersonalIdenticationNumbertosignyouronlineapplication.ForastudentwhoprovidesparentalinformationontheFAFSAatleastoneparentwhoseinformationisprovidedontheFAFSAmustsign.ThePINservesasanidentierandelectronicsignature.OncecreatedyouoryourparentcanusethePINimmediatelytosigntheFAFSA.IfyoudonotsigntheFAFSAusingthePINyouwillneedtoprintoutsignandmailasignaturepagewiththepropersignatureswithin14days.Submit-tingthesignaturepagebymailwillincreasethetimeittakestoprocessyourapplicationandtransmityourapplicationtothecollegeslistedonyourapplication.GettingStartedGatherallthedocumentsyouwillneedtocompletetheFAFSAW-2formstaxreturnsbankstatementsetc..IfyoucompletetheFAFSAontheWebyouwillbeguidedstep-by-stepthroughthepreliminaryappli-cationprocesswhichwillprovidetime-savingsuggestionsCompletetheFAFSAontheWebWorksheetoptional.ApplyforaFederalPINifyoudonothaveone.ParentsofdependentstudentsshouldapplyforaFederalPINiftheydonothaveone.PlanhowtosigntheFAFSAusingaPINorsignaturepage. 6StateFederalFinancialAidforUndergraduateandGraduateStudentsCompletingandSubmittingtheFAFSAItisrecommendedthatyoucompletetheFAFSAontheWebWorksheettoassistyouincompletingtheonlineFAFSA.Donotleaveanyques-tionsblankontheapplicationunlesstoldtodoso.Ifyouareapplyingelectronicallyfollowtheonlineinstructionstoprintacopyofyourapplicationforyourrecords.Besuretosubmityourapplicationandreceiveyourconrmationpage.ImportantforallNJapplicantsFromtheconfrmationpageclicktheOptionalFeaturetabtorespondtoStatequestionsrequiredtoapplyforNewJerseyStatefnancialaid.IfyouareapplyingusingthePDForpaperFAFSAmakecopiesofyourcompletedapplicationforyourlesbeforeyoumailit.Donotencloseletterstaxformsoranyextramaterialsintheenvelopeprovidedastheywillbedestroyed.WhatHappensNextWithin3-5daystheFAFSAdataaresenttothecollegesyoulistedonyourFAFSAandyourstategrantagency.Within710daysyouandthenancialaidofceslistedonyourFAFSAwillreceiveacopyofyourStudentAidReportSARthatspeciesyourfederalExpectedFamilyContributionEFC.TheEFCisusedbyschoolstodetermineeligibilityforfederalnancialaidandinstitutionalawardpackaging.HESAAwillsendaStudentEligibilityNoticeSENindicatingyourestimatedStategrantawardifallsupplementalinformationhasbeenreceived.IfyoudidnotrespondtotheadditionalStatequestionsonFAFSAontheWebifyousubmittedthePDForpaperFAFSAoriftheinforma-tionprovidedonyourFAFSAwasinsufcienttodetermineeligibilityforStatenancialaidyouwillreceiveanApplicantInformationRequestAIRForm.FollowtheinstructionsontheAIRattachthedocumentsrequestedandsignandreturntheAIRtoHESAAwithinapplicabledeadlines.IfyourrecordisselectedforStatevericationyouwillbeaskedtopro-videdocumentssuchasataxreturntranscriptincometaxschedulesvericationworksheetsetc.YoumustsubmitaFAFSAeachyear 7StateFederalFinancialAidforUndergraduateandGraduateStudentsYouwilltypicallyreceiveanancialaidawardnoticeonlyfromcollegestowhichyouhavebeenofferedadmission.Thenoticewillincludespecicinformationonhowtoacceptandorapplyforanynancialaidoffered.Readandbecomefamiliarwithinstitutionalnancialaidpoliciesproceduresandpracticesforyourcollege.Ifacollegerequiresadditionalformsandorapplicationsitisthestudentsresponsibilitytocompleteandsubmitalldocumentstothecollege. 8StateFederalFinancialAidforUndergraduateandGraduateStudentsFederalAidGeneralEligibilityRequirementsForfederalprogrameligibilitygotohttpstudentaid.ed.goveligibilitybasic-criteriaFederalPellGrantAFederalPellGrantunlikealoandoesnothavetoberepaid.PellGrantsareawardedonlytoundergraduatestudentswhohavenotearnedabachelorsoraprofessionaldegree.Insomecasesastudentenrolledinapost-baccalaureateteachercerticationprogrammightreceiveaPellGrant.PellGrantsareconsideredthefoundationoffederalnancialaidtowhichaidfromotherfederalandnon-federalsourcesmightbeadded.FederalSupplementalEducationalOpportunityGrantFSEOGTheFederalSupplementalEducationalOpportunityGrantFSEOGprogramisforundergraduateswithexceptionalnancialneed.PellGrantrecipientswiththelowestexpectedfamilycontributionsEFCswillbeconsideredrstforaFSEOG.JustlikePellGrantstheFSEOGdoesnothavetoberepaid.TeacherEducationAssistanceforCollegeandHigherEducationTEACHGrantTheTEACHGrantprovidesupto4000peracademicyearforundergraduate-orgraduate-levelstudy.Thetotalamountsprovidedare16000forundergraduatesorpost-baccalaureatenon-degreeprogramsand8000forgraduatestudents.StudentsmustAttendaparticipatingschool.SchoolsmaychoosetoparticipateintheTEACHprogram.PlantobeginacareerasateacherCurrentlybecompletingcourseworknecessarytobeginacareerinteachingSignanAgreementtoTeachFormTeachfull-timeforfouryearsatadesignatedschoolinaspecifedsubjectFederalAidProgramsUndergraduateUndergraduateUndergraduateGraduate 9StateFederalFinancialAidforUndergraduateandGraduateStudentsIfastudentisunabletofullltheteachingobligationTEACHGrantsconverttoUnsubsidizedFederalDirectLoansthatthestudentmustthenrepay.FederalWorkStudyFWSTheFWSprogramoffersemploymentforstudentsdemonstratingnancialneedonoroffcampusandiscoordinatedbyyourcollege.Thehourlyrateofpayissetbythecollegeandtheemployer.Someschoolshaveemploymentagreementswithprivatenon-protorganizations.FederalDirectStudentLoansTheDirectLoanprogrammakeshighlyaffordableloansavailabletostudents.Studentsdonothavetopassacreditcheckandinterestonfederalloansisxed.Repaymentbeginssixmonthsafterleavingschoolandthereareneveranyprepaymentpenalties.Theseloanscaneitherbesubsidizedorunsubsidized.Toapplycheckyourcollegesnancialaidwebsiteorgotowww.studentloans.gov.SubsidizedLoanStudentswhodemonstratenancialneedmayhavetheirinterestpaidbythefederalgovernmentwhilethestudentisenrolledatleasthalftimeincollegeandduringperiodsofauthorizeddeferment.Thelawlimitstheben-etsoftheDirectLoansubsidytoanaggregatedperiodofnomorethan150ofprogramlengthfornewborrowers.OncethatlimithasbeenreachedtheborrowerwillbegintoincurinterestchargesonoutstandingsubsidizedloansiftheborrowerisenrolledatleasthalftimeinaprogramincludingpreparatorycourseworkthatwouldotherwisequalifytheborrowerforaDirectSubsidizedLoan.Theinitialinterestratechangesannuallyhoweveritisxedforthetermoftheloan.UnsubsidizedLoanUnsubsidizedloanborrowersmayagreetorepayinterestimmediatelyorthelenderwillcapitalizetheinterestthataccruesduringthein-schoolandgraceperiods.Theinitialinterestratechangesannuallyhoweveritisxedforthetermoftheloan.FederalAidProgramsUndergraduateGraduateUndergraduateGraduateUndergraduate 10StateFederalFinancialAidforUndergraduateandGraduateStudentsFederalParentLoanforUndergraduateStudentsPLUSParentsofstudentsmayborrowuptothecostofattendanceminusallothernancialaidfromtheDirectPLUSLoanProgram.Thereisnointerestsubsidy.Theinitialinterestratechangesannuallyhoweveritisxedforthetermoftheloan.Theoriginationfeeis4.204.Repaymentbeginswithin60daysaftertheloanisfullydisbursed.Aborrowercanre-questapaymentpostponementuntilthestudentisenrolledlessthanhalftimeornolongerenrolledinschool.Limiteddefermentsareavailable.Alwaysvisitwww.njclass.orgtoseeifNJCLASShasbetterratestermsandconditionsthanfederalloans.FederalGraduatePlusGraduateProfessionalstudentsmayborrowuptothecostofattendanceminusallothernancialaidfromtheDirectPLUSLoanProgram.Thereisnointerestsubsidy.Theinterestchangesannuallyhoweveritisxedforthetermoftheloan.Theoriginationfeeis4.204andthefeeisdeductedfromeachdisbursement.Theinterestrateforthe201314yearisxedat6.41witha4.204originationfee.Repaymentbeginswithin60daysaftertheloanisfullydisbursedoraborrowercanrequestapay-mentpostponementuntilthestudentisenrolledlessthanhalftimeorisnolongerenrolledinschool.FederalPerkinsLoanUndergraduateandgraduatestudentswhodemonstratenancialneedmaybeeligibleforalow-interestPerkinsloan.ThePerkinsLoanProgramisadministeredbyyourcollege.Borrowinglimitsandrestrictionsapply.Theannualloanlimitis5500forundergraduatestudyand8000forgraduateandprofessionalstudents.Themaximumamountthatmaybeborrowedis27500forundergraduatestudyand60000forgraduatestudytotalsincludeallpre-viousPerkinsloans.Repaymentat5interestbeginsninemonthsafterleavingschoolwithupto10yearstorepay.FederalAidProgramsUndergraduateGraduateGraduateParentsofUndergraduate 11StateFederalFinancialAidforUndergraduateandGraduateStudentsStateAidGeneralEligibilityRequirementsToreceiveaidfromtheStateofNewJerseyyoumustmeetgeneralfederalaideligibilityrequirementsandDemonstratenancialneedBeaU.S.citizenoraneligiblenon-citizenBealegalresidentofNewJerseyforatleast12consecutivemonthsimmediatelypriortoenrollmentNOTEEligiblenon-citizensmustresideinNewJerseyfor12consecutivemonthsafterreceivingpermanentresi-dentstatusfromUSCIStomeettheStateresidencyrequirement.BeregisteredwithSelectiveServiceifrequiredMaintainsatisfactoryacademicprogressBeafull-timeundergraduatestudentenrolledinanapproveddegreeorcerticateprogramNothaveabaccalaureatedegreeoranassociatedegreeifenrolledatatwo-yearcollegeNothavereceivedthemaximumallowablenumberofgrantpaymentsNotbeindefaultonaFederalorStatestudentloanNotowearefundonaFederalorStategrantNotbeenrolledinaprogramleadingtoadegreeintheologyordivinitySpecicprogrameligibilityrequirementsarelistedbelowtheprogramdescriptions.HowtoApply-StudentsmustfletheFAFSAannuallywithinestab-lisheddeadlinesandmeetallotherprogramrequirements.StateGrantScholarshipApplicationDeadlinesTAGRenewalStudentsJune1IfyouarecurrentlyreceivingaTAGthefederalprocessormustreceiveyourFAFSAbyJune1precedingtheacademicyearforwhichaidisre-quested.AllOtherApplicantsOctober1IfyouarenotcurrentlyreceivingaTAGthefederalprocessormustreceiveyourFAFSAbyOctober1oftheacademicyearforwhichaidisrequestedtobeconsideredforanawardforthefallandspringterms.SpringOnlyAwardsMarch1IfyouarenotcurrentlyreceivingaTAGthefederalprocessormustreceiveyourFAFSAbyMarch1oftheacademicyearforwhichaidisrequestedtobeconsideredforanawardforthespringterm.StateAidPrograms 12StateFederalFinancialAidforUndergraduateandGraduateStudentsTuitionAidGrantTAGOneofthenationslargestandmostgenerousnancialaidprogramsTAGmaycoveruptothecostoftuition.Theamountofanindividualgrantvariesbaseduponthestudentsneedthecostofattendanceandavailablefunding.GrantsmustbeappliedforannuallywithinestablishedStatedeadlinesandapplicantsmustmeetallprogramrequirements.SeePage22forannualawardrangesandmaximums.EligibilityseePage11forStateaidgeneraleligibilityrequirementsPart-TimeTAGforCountyCollegeStudentsThePart-TimeTAGProgramforCountyCollegeStudentsprovidesgrantstoeligiblestudentswhileenrolledforbetween6-11credits.Theamountofanindividualawardvariesbaseduponthestudentsneedthecostofattendanceandavailablefunding.EligibilityseePage11forgeneralStateaideligibilityrequirementsEducationalOpportunityFundEOFGrantEOFgrantsareavailabletostudentsfromeducationallyandeconomi-callydisadvantagedbackgroundswhomeeteligibilityrequirements.Awardamountsvarydependingonenrollmentstatuscollegecostsandnancialneed.EOFgrantsarerenewableannuallybaseduponcontin-uedeligibility.StudentsmustleaFAFSAannuallywithinestablishedStatedeadlines.ApplicantsmustcontactthecampusEOFDirectortoapplyforadmissionintotheprogram.Theinstitutionwilldeterminethevalueofthegrant.EligibilityseePage11forgeneraltateaideligibilityrequirementsGovernorsUrbanScholarshipTheGovernorsUrbanScholarshipisameritawardavailabletostudentsStateAidProgramsUndergraduateUndergraduateUndergraduateGraduate 13StateFederalFinancialAidforUndergraduateandGraduateStudentswhorankinthetop5.0percentoftheirhighschoolgraduatingclassandattainagradepointaverageofatleast3.0attheendofthesenioryearinhighschoolleaFAFSAwithinestablishedandhaveaNewJerseyEligi-bilityIndexbelow10500.Toqualifyapplicantsalsomustgraduatefromatraditionalpublicpublicchartercountyvo-techornonpublicschoolandresideinAsburyParkCityofCamdenEastOrangeIrvingtonTownshipJerseyCityLakewoodMillvilleNewarkNewBrunswickCityofTrentonPatersonPlaineldRoselleBoroughorVineland.EligibilityseePage11forgeneralStateaideligibilityrequirementsNewJerseyWorldTradeCenterScholarshipEligibledependentchildrenandsurvivingspousesofNewJerseyresidentswhowerekilledintheterroristattacksagainsttheUnitedStatesonSeptember112001diedasaresultofinjuriesreceivedintheattackdiedasaresultofillnesscausedbyexposuretotheattacksitesorweredeclaredmissingandofciallypresumeddeadasaresultoftheattackmaybeeligible.Recipientsmayattendanyeligiblecollegein-stateorout-of-state.Scholarshipamountsmaychangebasedonprogramfundingandthestudentsotheravailablenancialassistance.EligibilityseePage11forgeneralStateaideligibilityrequirementsStudentsmustBeadependentchildorsurvivingspouseofanindividualwhowasaNJresidentonSeptember112001andwhowaskilledintheterroristaacksagainsttheUnitedStatesonSeptember112001orwhodiedasaresultofillnesscausedbyexposuretotheaacksiteBeenrolledasafull-meundergraduateataneligiblepostsecondaryinstuonEligibilitytoapplyislimitedtoeightyearsfromthedateofhighschoolgraduaonforthechildandeightyearsfromthedateofdeathforthespouse.HowtoApplyApplicaonsmaybeobtainedonlineatwww.njgrants.org.StateAidProgramsUndergraduate 14StateFederalFinancialAidforUndergraduateandGraduateStudentsStateAidProgramsNewJerseyStudentTuitionAssistanceRewardScholarshipNJSTARSStudentsgraduatinginthetop15.0percentoftheirhighschoolclassin2010orlatermaybeeligibletopar-ticipateintheNJSTARSProgram.NJSTARSawardscovertuitiononlyforuptoeighteencollege-levelcreditspersemesterforuptovesemesters.Studentsmustattendtheircountycollegeofresidenceunlesstheycandemonstratethatthehomecountycollegedoesnotofferthedesiredprogramofstudyortheprogramisoversubscribedforatleastoneyear.EligibilityseePage11forgeneralStateaideligibilityrequirementsStudentsmustalsoHavecompletedarigoroushighschoolcourseofstudyAchievetherequiredscoreonacollegeplacementtesttodeterminecollegereadinessEnrollfulltimenolaterthanthe5thsemesterfollowinghighschoolgraduationMaintaincontinuousfull-timeenrollmentatthecountycollegeAttainacumulativeGradePointAverageGPAof3.0orhigherpriortothethirdsemesterofenrollmentUndergraduateAllstudentsmustleaFAFSAwithinestab-lishedStatedeadlinesHowtoApplyApplicaonsmaybeobtainedonlineatwww.njgrants.org. 15StateFederalFinancialAidforUndergraduateandGraduateStudentsStateAidProgramsNewJerseyStudentTuitionAssistanceRewardScholarshipIINJSTARSIINJSTARSIIisacontinuationoftheNJSTARSProgramthatprovidesfundingtoattendaNewJerseyfour-yearpublicorprivatecollegeoruniversity.TheNJSTARSIIawardwillbebasedontuitiononlyforuptoeighteencreditsexceptforTuitionAidGrantrecipientswhowillreceiveNJSTARSIIawardsbasedontuitionandapprovedfees.TheamountoftheNJSTARSIIawardwillbedeterminedafterallotherStateandfederalgrantsandscholarshipsareappliedtothesechargesnottoexceed1250persemester.EligibilityseePage11forgeneralStateaideligibilityrequirementsStudentsmustalsoHaveearnedanassociatedegreeasanNJSTARSscholarfundedornon-fundedwithacumulativeGPAof3.25orhigherandbeadmittedtoaNewJerseyfour-yearpublicorprivatecollegeoruniversity.NOTENJSTARSeligibilitydoesnotguar-anteeadmissiontoaNewJerseyfour-yearinstitution.Maintaincontinuousfull-timeenrollmentUndergraduateAttainaminimumcumulativeGPAof3.25atthestartofthethirdsemesterofstudytomaintaineligibilityforthethirdandfourthsemestersHaveafamilyincomeincludingtaxableanduntaxedincomeoflessthan250000AllstudentsmustleaFAFSAwithinestab-lishedStatedeadlinesHowtoApplyApplicaonsmaybeobtainedonlineatwww.njgrants.org. 16StateFederalFinancialAidforUndergraduateandGraduateStudentsSurvivorTuitionBeneftsSTBEligiblechildrenandsurvivingspousesofNewJerseyreghtersemergencyserviceworkersorlawenforcementofcerswhowerekilledinthelineofdutymayenrollfreeoftuitionchargesatanypublicinstitu-tionofhighereducationinNewJersey.RecipientsmayalsoattendanyapprovedindependentinstitutionintheState.TheawardamountcannotexceedthehighesttuitionchargedataNewJerseypublicinstitution.Awardsarerenewable.EligibilityseePage11forgeneralStateaideligibilityrequire-mentsStudentsmustBeachildorsurvivingspouseofaNewJerseyreghteremergencyserviceworkerorlawenforcementocerkilledinthelineofdutyBeenrolledatleasthalf-meinanundergraduateprogramataneligibleNewJerseypostsecondaryinstuonEligibilitytoapplyislimitedtoeightyearsfromthedateofhighschoolgraduaonforthechildandeightyearsfromthedateofdeathforthespouse.HowToApplyApplicaonsmaybeobtainedonlineatwww.njgrants.org.StateAidProgramsUndergraduate 17StateFederalFinancialAidforUndergraduateandGraduateStudentsLawEnforcementOfcerMemorialScholarshipLEOMEligibledependentchildrenofNewJerseylawenforcementofcerskilledinthelineofdutymayreceivescholarshipsuptothecostofattendanceatanapprovedinstitutionofhighereducationinNewJersey.TheawardamountcannotexceedanamountequaltotherecipientsannualcostofattendancethatisnototherwisecoveredbyanyotherscholarshipgrantbenetorotherassistanceadministeredbyHESAA.Awardsarerenewableforuptofouryears.EligibilityseePage11forgeneralStateaideligibilityrequire-mentsStudentsmustBeadependentchildofaNewJerseylawenforcementocerkilledinthelineofdutyBeenrolledfull-meinanundergraduatedegreeprogramataneligibleNJpostsecondaryinstuonHowToApplyApplicaonsmaybeobtainedonlineatwww.njgrants.org.StateAidProgramsUndergraduate 18StateFederalFinancialAidforUndergraduateandGraduateStudentsStateAidProgramsGovernorsIndustryVocationsScholarshipNJ-GIVSforWomenandMinoritiesTheGovernorsIndustryVocationsScholarshipNJ-GIVSwhichpaysupto2000peryearforthecostofenrollmentinaneligiblecerticateprogramatoneofNewJerseys19countycollegesisaninitiativeoftheChristieAdministration.ThescholarshipisfundedbytheNJSchoolsDevelopmentAuthoritySDAandadministeredinpartnershipwithHESAA.Theawardbenetswomenandminoritystudentspursuingnon-degreecerticateprogramsinconstruction-relatedelds.EligibilityseePage11forgeneralStateaideligibilityrequire-mentsToreceiveaNJ-GIVSawardyoumustbeafemaleoraminoritygroupmember.AsdenedatN.J.A.C.1746-1.2.Minoritymeansapersonwhois1BlackwhichisapersonhavingoriginsinanyoftheblackracialgroupsinAfricaor2HispanicwhichisapersonofSpanishorPortu-gueseculturewithoriginsinMexicoSouthorCentralAmericaorthe 19StateFederalFinancialAidforUndergraduateandGraduateStudentsStateAidProgramsCaribbeanIslandsregardlessofraceor3AsianAmericanwhichisapersonhavingoriginsinanyoftheoriginalpeoplesoftheFarEastSoutheastAsiaIndianSubcontinentHawaiiorthePacicIslandsor4AmericanIndianorAlaskannativewhichisapersonhavingoriginsinanyoftheoriginalpeoplesofNorthAmerica.YoumustleaFAFSAwithinestablishedStatedeadlinesseePage11.FAFSAinformationisusedtocalculateaNewJerseyEligibilityIndexNJEIwhichdeterminesyournancialeligibilityforthisaward.StudentswithanNJEIbelow10500qualify.YourNJEIcanbefoundonyourStudentEligibilityNoticeSENsenttoyoubyHESAAwhenyourStaterecordiscomplete.YourawardmaybeusedatanyofNewJerseys19countycolleges.HowToApplyApplicaonsmaybeobtainedonlineatwww.njgrants.org. 20StateFederalFinancialAidforUndergraduateandGraduateStudentsStateAidProgramsProgramNameAnnualAwardTuitionAidGrantTAG574-11958Part-TimeTAGforCountyCollegeStudents566-1932EducationalOpportunityFundEOFUpto2500NJGovernorsUrbanScholarship1000NJStudentTuitionAssistanceRewardScholarshipNJSTARSTuitionOnlyNJStudentTuitionAssistanceRewardScholarshipIINJSTARSIIRenewalStudents-Upto7000AllOthers-Upto2500NJWorldTradeCenterScholarshipWTC5000SurvivorTuitionBenetsSTBTuitiononly-Upto12800LawEnforcementOfcerMemorialScholarshipLEOMCOAminusotheraidNJCLASSCOAminusotheraidNJGovernorsIndustryVocationsScholarshipNJ-GIVS2000FederalAidProgramsAcronymProgramNameAwardFPELLFederalPELLGrantPELLUpto5730AnnualFSEOGFederalSupplementalEducationalOpportunityGrantFSEOGUpto4000TEACHTeacherEducationAssistanceforCol-legeandHigherEducationTEACHUpto3712FPERKINSFederalPerkinsLoanUpto5500FWSFederalWorkStudyProgramFWSVariableCollegedeterminedFederalDirectStudentLoansFederalDirectLoanVariableUpto55001styearPLUSFederalPlusLoanCOAminusOtherAidAppropriatedfundsdistributedbycollegesonarst-come-rst-served-basiswithaneedcomponent.StateFederalAidPrograms 21StateFederalFinancialAidforUndergraduateandGraduateStudentsNJCLASSUndergraduateGraduateProfessionalLoansNJCLASSisaStateofNewJerseysupplementalstudentloanprogramprovidingstudentswithanadditionalaffordablesourceoffundsformeet-ingcollegeexpensesnotalreadycoveredbyotherformsofstudentaid.NJCLASSprovidesxed-rateloansforundergraduategraduateandprofessionalstudents.NJCLASShasanoriginationfeewhichisde-ductedfromtheloanproceeds.Severalrepaymentoptionsareavailablesubjecttoavailability.Themaximumrepaymentperiodis20yearsforundergraduateloansand25yearsforgraduateprofessionalloans.NJCLASSloansareavailableto1.StudentswhoareNJresidentsattendingeligiblecollegesworldwide2.Non-NJresidentstudentsattendingeligiblecollegesinNewJerseyEligibilityseePage11forgeneralStateaideligibilityrequire-mentsFixed-RateLoanStudentsparentslegalguardiansspousesorrelavesmayborrowtheNJCLASSLoan.StudentsmustborrowthesubsidizedporonoftheFederalDirectStaordloanifeligibleStudentsmustbeenrolledatleasthalfmeataneligiblein-stateorout-of-statecollegeBorrowerorco-signermustmeetminimumincomeandcreditrequirementsTheNJCLASSloanmaynotexceedthestudentscostofaendanceminusothernancialassistanceForfurtherinformationortoapplyonlinevisitwww.njclass.org.StateLoansUndergraduateGraduateNewJerseyCollegeLoanstoAssistStateStudents 22StateFederalFinancialAidforUndergraduateandGraduateStudentsStateLoansGraduateProfessionalLoanGraduateorprofessionalstudentsaretheborrowers.StudentsmustfleaFAFSAStudentsmustborrowthesubsidizedportionoftheFederalDirectStaffordloanifeligibleStudentsmustbeenrolledatleasthalftimeataneligiblein-stateorout-of-statecollegeBorrowersmusthaveanacceptablecredithistory.Incomeoremploymentisnotrequiredforapproval.Graduate 23StateFederalFinancialAidforUndergraduateandGraduateStudentsHowtoRequestaTaxReturnTranscriptVerifcationAprocessinwhichstudentsandorparentsmustprovideproofthattheinformationsubmittedontheFAFSAisaccurate.FederalregulationsrequireafederalTaxReturnTranscriptobtainedfromtheIRSastheonlyacceptabledocumentation.TheStateTuitionAidGrantprogramfollowstheseregulationstosimplifytheapplicationprocess.PersonalcopiesofyourtaxreturnarenolongeracceptabledocumentationRequestingafederalTaxReturnTranscriptonlineiseasyBeforeyoubeginthefollowinginformationwillberequiredSocialSecuritynumberdateofbirthstreetaddress-exactlyasitappears-onyourtaxreturnandzipcodeRequestacopyofaFederalTaxReturnTranscriptbyvisitingwww.irs.govLookunderTOOLSandselectGetTranscriptofyourTaxRecordYoucannowobtainyourTAXRETURNTRANSCRIPTintwoways1.GetTranscriptOnlineDownloadandPrintyourTran-scriptimmediatelyPreferredMethod2.GetTranscriptbyMailTranscriptwillbemailedtotheaddressonrecordthismethodcantakefrom5to10busi-nessdaysNoteMultipletranscriptsmayberequiredfromstudentandspouseandorstudentsparentsReceivetheTAXRETURNTRANSCRIPTinthemailIftheIRSTaxReturnTranscriptarrivesprintedonbothsidesmakeacopyofbothsidesforyourrecordsWhensubmittingTAXRETURNTRANSCRIPTSbesuretoincludethestudentsnameandSocialSecuritynumberorCustomerIDonthetranscripts 24StateFederalFinancialAidforUndergraduateandGraduateStudentsREMEMBER...EDUCATIONALOPPORTUNITIESAREJUSTACUSTOMERCARECALLORCLICKAWAYHESAAsCustomerCareLineisheretoassiststudentsfamiliesandnancialaidprofessionalswithreliableup-to-dateinformationandresourcesbyProvidinginformationforself-assessmentandchoiceandidentifyingopportunitiesforlearninginavarietyofsettingsthroughouttheState.Encouragingindividualsofdiversebackgroundsagesinterestsandabilitiestotakeadvantageofpostsecondaryeduca-tionalopportunities.Providinginformationoncostsofpostsecondaryeducationandavailablesourcesofnancialaid.Increasingthepublicsgeneralawarenessconcerningthequalityanddiversityofeduca-tionalopportunitiesavailableforcitizensofallageswithintheStateofNewJersey.609-584-4480www.hesaa.org 25StateFederalFinancialAidforUndergraduateandGraduateStudentsNOTES 26StateFederalFinancialAidforUndergraduateandGraduateStudentsNOTES 27StateFederalFinancialAidforUndergraduateandGraduateStudentsNOTES 28StateFederalFinancialAidforUndergraduateandGraduateStudentsHelpfulWebsitesHESAA-HigherEducationStudentAssistanceAuthorityPhone609-584-4480MondaythroughThursday8a.m.-8p.m.Friday8a.m.5p.m.Bilingualexpertsareavailabletoansweryourquestionswww.hesaa.orgTDDSystemfortheHearingImpaired609-588-2526MondaythroughFriday8a.m.5p.m.U.S.DepartmentofEducationFederalStudentAidPrograms1-800-4-FED-AID1-800-433-3243TTY1-800-730-8913www.studentaid.ed.govCompletetheFAFSAOnlinewww.fafsa.govPrivateCareerSchoolAssociationofNJwww.pcsanj.comCollegePlanningandMoneyManagementwww.mappingyourfuture.orgFreeScholarshipSearcheswww.fastweb.comOnlineGuidetoFinancialAidwww.fnaid.orgNJCollegeCreditTransferInformationwww.njtransfer.orgConsumerFinancialProtectionBureauwww.consumerfnance.govHESAARevised32814