Loan Features:

  • Available for Undergraduate or Graduate students
  • For students enrolled at least half time and non-traditional summer/winter terms

10-Year Option
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15-Year Option
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20-Year Option
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Loan Features:

  • Must have a minimum of $5,000 in debt
  • Available for NJCLASS, federal Parent PLUS, and Private Educational Loans
  • No Administrative Fee
  • Save money by refinancing your existing student loans to a lower interest rate

ReFi+ 10-Year Option
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ReFi+ 15-Year Option
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Loan Term
10-Year Fixed Rate 15-Year Fixed Rate
2.99%* 3.30%*
3.45%** 3.99%**
4.45%*** 4.99%***
Interest rates based upon credit scores:  *780+  |  **720-779  |  ***670-719

Loan Features:

  • Must have a minimum of $30,000 in debt
  • No prepayment penalty
  • Available for NJCLASS family loans only
  • The rate used to calculate interest will be a weighted average interest rate of the underlying NJCLASS loans being consolidated, minus 0.50%

NJCLASS Consolidation Loan
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