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NJCLASS for Graduate/Professional Students

NJCLASS is a state supplemental loan program that provides an affordable source of funds for meeting college expenses not already covered by other forms of financial aid.   Apply Now

Benefits

  • Borrow the entire cost of your education
  • No annual or lifetime borrowing limits
  • No employment or income requirements
  • 25-year repayment term, (up to 30 years through NJCLASS Consolidation)
  • Low fixed interest rate
  • Flexible repayment options, including full deferments
  • Only 2% administrative fee

Eligibility

  • Enrolled at least half-time in a program leading to an advanced degree
  • NJ residents can take NJCLASS worldwide
  • Any eligible student at a NJ college/university
  • No employment or income requirements
  • Satisfactory credit history
  • Must file a FAFSA

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