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NJCLASS Home | New Jersey Student Financial Aid | HESAA

Standard NJCLASS Loan

  • Choose 10-year, 15-year or a 20-year repayment plan
  • Available for Undergraduate and Graduate students
  • For students enrolled at least half time
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NJCLASS Consolidation Loan

  • Personalized Counseling
  • For borrowers with more than $30,000 in debt
  • No Prepayment Penalty
  • Available for NJCLASS family loans only
Apply Now

ReFi+ Refinance Loan

  • For borrowers who are out of school
  • 10-year, fixed-rate program (15-year coming soon, check back in November)
  • Must have a minimum of $5,000 in debt
  • Available for NJCLASS and federal Parent PLUS loans only
Apply Now

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

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.