• Up to 20-year repayment options
• Available for Undergraduate and Graduate students
• For students enrolled at least half time and non-traditional summer/winter terms

10-Year Fixed Rate Immediate Repayment
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15-Year Fixed Rate Monthly Interest while enrolled in school
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20-Year Fixed Rate Principal and Interest Deferred while enrolled in school
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• For borrowers who are out of school
• 10-year and 15-year, fixed-rate options available
• Must have a minimum of $5,000 in debt
• Available for NJCLASS, federal Parent PLUS, and Private Educational Loans

NJCLASS ReFi+ Loan 10-Year
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NJCLASS ReFi+ Loan 15-Year
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• Personalized Counseling
• Must have a minimum of $30,000 in debt
• No Prepayment Penalty
• Available for NJCLASS family loans only

NJCLASS Consolidation Loan 25-Year or 30-Year
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• Transactions made before 2 p.m. posted the same day
• You  choose the loan you want to pay
• Store three different bank profiles

• The Servicemembers Civil Relief Act (SCRA) is a federal statute that provides financial relief and protections to eligible military personnel serving on active duty.
• Phone: 609-584-4480, Option 3
• Email questions to SCRA@hesaa.org
• To access the SCRA Frequently Asked Questions, click here.