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Repaying NJCLASS is as easy as 1,2,3……4!



From start to finish, here is what you need to know to repay your NJCLASS loan
in simple steps:


Step 1: When Do Your Payments Begin?


NJCLASS provides new borrowers with different repayment options based on the loan type you choose.


The chart below provides information about your repayment option so you can project when your first payment begins and how long you will be making payments. For specific dates, or repayment option availability check the NJCLASS website at www.NJCLASS.org.



NJCLASS is not associated with the federal Direct Student Loan program. Payments on your NJCLASS loans are separate from any federal student loan payments that may be required.


If you are a current NJCLASS borrower please click here to find out what your current NJCLASS payments are.


Step 2: Identify Your Monthly Payment Amount and Loan Balance 


New borrowers can use the NJCLASS Payment Calculator to see their monthly payment amount. Current borrowers can see loan balances or payment amounts on line by visiting NJCLASS.org. HESAA calculates your payments so you can pay off your loan in equal installments every month. If your goal is to repay your loan early, you can pay more than the minimum amount due to reduce your balance and interest costs. There is no penalty for early repayment.


Step 3: Select a Payment Method


We offer a variety of ways for you to submit your monthly student loan payments. You can choose the payment method that is most convenient for you. Click here to see NJCLASS payment options.


Step 4: Make Your Payments on Time


Making on-time payments is very important in building and maintaining your credit profile. If you are having difficulties repaying or are unable to make payments, please call our NJCLASS Solutions Department at 1-800-792-8670 and choose option 4.


Tip: If you have federal student loans, you can look them up by visiting the National Student Loan Data System (NSLDS) at www.nslds.ed.gov. This website provides important details about your federal student loans, including the lender who holds your loan, how much you owe and more.


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