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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