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NJCLASS Home | New Jersey Student Financial Aid | HESAA


Standard NJCLASS Loan

  • Choose either 10-year or 15-year repayment plan
  • Effective January 4, 2020, the 20-year plan is no longer available for Academic Year 2019-20
  • Available for Undergraduate and Graduate students
  • For students enrolled at least half time
Apply Now

NJCLASS Consolidation Loan

  • Effective February 6, 2020, this loan option is not available.
  • Please visit us again in June 2020 when new funds and rates will be available.

ReFi+ Refinance Loan

  • For borrowers who are out of school
  • 15-year, fixed-rate option available
  • As of April 1, 2020, funding for the 15-year ReFi+ Loan that offers an interest rate of 7.20% is not available at this time.
  • Must have a minimum of $5,000 in debt
  • Available for NJCLASS, Federal Parent PLUS and Private Educational Loans
Apply Now

Pay NJCLASS Online

  • Transactions made before 2 p.m. posted the same day
  • You  choose the loan you want to pay
  • Store three different bank profiles
Pay Your NJCLASS Now

NJCLASS Loan Features

  • Three fixed interest rates with choice of varying repayment terms.
  • Student can be a party to the loan.
  • Borrow the amount you need for college.
  • Repayment assistance options for new loans.

Cosigners should take several factors into consideration. To learn more, please review our "Cosigning a Loan" brochure.
For English, click here.
For Spanish, click here.

Current Loan Rates

HESAA offers several NJCLASS loan options. To review the current rates and loan terms, click here.

To compare NJCLASS family loan rates and features to the federal Parent PLUS loan program, click here.