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NJCLASS Home | New Jersey Student Financial Aid | HESAA


Standard NJCLASS Loan

  • 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
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NJCLASS Consolidation Loan

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

  • 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
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Pay NJCLASS Online

  • Transactions made before 2 p.m. posted the same day
  • You  choose the loan you want to pay
  • Store three different bank profiles
Pay Your NJCLASS Now

Servicemembers Civil Relief Act

  • The Servicemembers Civil Relief Act (SCRA) is a federal statute that provides financial relief and protections to eligible military personnel serving on active duty.
  • Email questions to
  • To access the SCRA Frequently Asked Questions, click here.

NJCLASS Loan Features

  • Three fixed interest rates with choice of varying repayment terms.
  • Student can be a party to the loan.
  • Borrow the amount you need for college.
  • Repayment assistance options for new loans.

Cosigners should take several factors into consideration. To learn more, please review our "Cosigning a Loan" brochure.
For English, click here.
For Spanish, click here.

Current Loan Rates

HESAA offers several NJCLASS loan options. To review the current rates and loan terms, click here.

To compare NJCLASS family loan rates and features to the federal Parent PLUS loan program, click here.