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Making Payments on NJCLASS Loans | New Jersey Student Loans

Loan Repayment Options

Debit from Your Checking or Savings Account

To assist you in making timely payment, click here to download an ACH Automatic Debit Authorization form that will allow HESAA to automatically debit your checking account or savings account. This will eliminate the need to write a check every month.

Credit Card Payments

HESAA accepts several major credit cards and also accepts debit cards. Your credit card may also add finance charges that might exceed the interest rate on your loan. While it’s easy to put your loan payment on your credit card, remember that credit cards are just a different form of borrowing. If you fail to pay off your balance in full each month, you will be charged interest on your unpaid balance. Wise use of your credit cards will help you maintain a solid credit rating and avoid financial problems.

To make a payment by credit card go to the credit card processor for the State of New Jersey. A service fee of 2.00% plus $0.50 will be charged. Please click here to continue:

Mailing Payments

You can mail a payment to HESAA, at the following addresses:

PO Box 544
Trenton, NJ 08625

Employers who withheld Administrative Wage Garnishments, from their employee’s paycheck can send the payments to HESAA at:

Employer Garnishment Payments
PO Box 529
Newark, NJ 07101-0529

Online Bill Pay

Some borrowers have also established automatic payment processes though their individual lending institutions, such as Bill Pay. Currently, HESAA does not accept electronic payments through Bill Pay, so a paper check is generated and mailed to HESAA. A payment is credited to the account when the actual payment is received by HESAA.