Loan Features:

• HESAA is offering a ReFi+ loan program for loans where the student beneficiaries are out of school (graduated or withdrawn) and have loans from higher interest rate periods
• Must have a minimum of $5,000 in debt
• Available for NJCLASS, Federal Parent PLUS, and School-Certified Private Educational Loans
• No Origination Fee
• Save money by refinancing your existing student loans to a lower interest rate

Loan Features:

• HESAA offers the NJCLASS Consolidation Loan program to student beneficiaries who are out of school (graduated or withdrawn)
• 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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