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2StateFederalFinancialAidforUndergraduateandGraduateStudentsMISSION..........................................................................................................3ITSEASYTOAPPLYFORFINANCIALAID...................................................4GRANTSSCHOLARSHIPSWORK-STUDYPROGRAMSFEDERALPROGRAMSFederalPellGrant......................................................................................................8FederalSupplementalEducationalOpportunityGrantFSEOG..........................8TeacherEducationAssistanceforCollegeandHigherEducationGrant.............8FederalWork-StudyFWSProgram.......................................................................9FederalDirectStudentLoans...................................................................................9FederalParentLoanforUndergraduateStudentsPLUS.....................................10FederalGraduatePLUS............................................................................................10FederalPerkinsLoan.................................................................................................10STATEPROGRAMSTuitionAidGrantTAG.............................................................................................12Part-TimeTAGProgramforCountyCollegeStudents...........................................12EducationalOpportunityFundEOFGrant............................................................12GovernorsUrbanScholarship..................................................................................12NewJerseyWorldTradeCenterScholarship.........................................................13NJStudentTuitionAssistanceRewardScholarshipNJSTARS..........................14NJStudentTuitionAssistanceRewardScholarshipIINJSTARSII...................15SurvivorTuitionBenetsSTB.................................................................................16LawEnforcementOfcerMemorialScholarshipLEOMS....................................17NJGovernorsIndustryVocationsScholarshipNJGIVS..........................................18STATEANDFEDERALAIDStateandFederalAidPrograms..............................................................................20STATELOANSNJCLASSLoan................................................................................................21GraduateProfessionalLoan.............................................................................22HowtoRequestATaxReturnTranscript......................................................23GeneralTermsYouWillNeedtoKnowGrantAgiftofmoneytoaqualiedstudentthatdoesnothavetoberepaid.DirectLoanborroweddirectlyfromthefederalgovernmentAfederalloanfundeddirectlybytheU.S.government.LoanAloanmadebyalendinginstitutionstateauthorityfederalgovernmentnon-protbankorfor-protbanktoberepaidwithaxedorvariableinterestrate.ThesymbolsshownbelowappearnexttothenameofeachfederalandStateprogramtoshowthecollegelevelofstudentswhomaybeeligibletoparticipate.UndergraduateGraduateTableofContents StateFederalFinancialAidforUndergraduateandGraduateStudents3MissionTheHigherEducationStudentAssistanceAuthorityHESAAadminis-tersNewJerseysstudentgrantandscholarshipprogramstheNJBEST529CollegeSavingsPlanandtheNJCLASSStatesupplementalloanprogram.Since1959HESAAanon-protState-designatedauthorityhasdeliveredover18billioninnancialaid.Eachyearover1millionstudentsreceiveassistancefromoutreachprogramsandaidprogramsHESAAadministers.ThisbrochurehighlightsthemajorStateandfederalstudentaidprograms.Howeverstudentnancialassistanceisalsoavailablethroughinstitutionsandprivatesources.Youshouldworkcloselywithyourcampusnancialaidofceregardingtheavailabilityofstudentaidfunds.YoumayalsocontactHESAAsCustomerCareLineat609-584-4480orvisitourwebsiteatwww.hesaa.org. 4StateFederalFinancialAidforUndergraduateandGraduateStudentsItsEasyToApplyforFinancialAidWhatistheFAFSATheFreeApplicationforFederalStudentAidFAFSAmustbecom-pletedeveryyeartobeconsideredfornancialaid.BycompletingtheFAFSAyouareapplyingforStateandfederalgrantsscholarshipsinstitutionalfundingandfederalstudentloans.Completingandsubmit-tingaFAFSAisfree.InfactchargingafeeforcompletingorsubmittingtheFAFSAisprohibitedbylaw.TherearethreewaystocompletetheFAFSAOnlineFAFSAontheWebatwww.fafsa.govrecommendedPDFFAFSAdownloadleatwww.fafsa.ed.govoptions.htmPaperFAFSA-requestacopybycalling1-800-4-FED-AID1-800-433-3243DeadlinesThereisadeadlinefortheFAFSAeveryyearanditcandifferfromstateandcollegedeadlines.SubmittheFAFSAasearlyaspossibletomeetalldeadlines.Someinstitutionsrequireanadditionalapplicationtodetermineeligibilityforinstitutionalfunds.Somegrantandwork-studyprogramawardsaredistributedonarst-comerst-servedbasis.Thetimelysubmissionofyourapplicationcanincreaseyourchancesofreceivingassistance. StateFederalFinancialAidforUndergraduateandGraduateStudents5TheApplicationProcessApplyingonlineisgenerallythefastestandeasiestwaytoapply.Ifyoudonothaveinternetaccessathomeyoucanusuallyndinternetac-cessatyourlocallibraryhighschoolornancialaidofceatanearbycampus.Over98percentofapplicationsaresubmittedelectronically.YoucancompletetheFAFSAbydownloadingthePDFform.Typeyourresponsesontheformandprinttheform.Youcanalsoprinttheformandwriteintheresponses.IfyouchoosetolloutthePDForpaperversionoftheFAFSAthecompletedformmustbesigneddatedandmailedtotheaddressprovided.CreateAPINPersonalIdenticationNumberYouandyourparentsareencouragedtoapplyforaFederalStudentAidPINPersonalIdenticationNumbertosignyouronlineapplication.ForastudentwhoprovidesparentalinformationontheFAFSAatleastoneparentwhoseinformationisprovidedontheFAFSAmustsign.ThePINservesasanidentierandelectronicsignature.OncecreatedyouoryourparentcanusethePINimmediatelytosigntheFAFSA.IfyoudonotsigntheFAFSAusingthePINyouwillneedtoprintoutsignandmailasignaturepagewiththepropersignatureswithin14days.Submit-tingthesignaturepagebymailwillincreasethetimeittakestoprocessyourapplicationandtransmityourapplicationtothecollegeslistedonyourapplication.GettingStartedGatherallthedocumentsyouwillneedtocompletetheFAFSAW-2formstaxreturnsbankstatementsetc..IfyoucompletetheFAFSAontheWebyouwillbeguidedstep-by-stepthroughthepreliminaryappli-cationprocesswhichwillprovidetime-savingsuggestionsCompletetheFAFSAontheWebWorksheetoptional.ApplyforaFederalPINifyoudonothaveone.ParentsofdependentstudentsshouldapplyforaFederalPINiftheydonothaveone.PlanhowtosigntheFAFSAusingaPINorsignaturepage. 6StateFederalFinancialAidforUndergraduateandGraduateStudentsCompletingandSubmittingtheFAFSAItisrecommendedthatyoucompletetheFAFSAontheWebWorksheettoassistyouincompletingtheonlineFAFSA.Donotleaveanyques-tionsblankontheapplicationunlesstoldtodoso.Ifyouareapplyingelectronicallyfollowtheonlineinstructionstoprintacopyofyourapplicationforyourrecords.Besuretosubmityourapplicationandreceiveyourconrmationpage.ImportantforallNJapplicantsFromtheconfrmationpageclicktheOptionalFeaturetabtorespondtoStatequestionsrequiredtoapplyforNewJerseyStatefnancialaid.IfyouareapplyingusingthePDForpaperFAFSAmakecopiesofyourcompletedapplicationforyourlesbeforeyoumailit.Donotencloseletterstaxformsoranyextramaterialsintheenvelopeprovidedastheywillbedestroyed.WhatHappensNextWithin3-5daystheFAFSAdataaresenttothecollegesyoulistedonyourFAFSAandyourstategrantagency.Within710daysyouandthenancialaidofceslistedonyourFAFSAwillreceiveacopyofyourStudentAidReportSARthatspeciesyourfederalExpectedFamilyContributionEFC.TheEFCisusedbyschoolstodetermineeligibilityforfederalnancialaidandinstitutionalawardpackaging.HESAAwillsendaStudentEligibilityNoticeSENindicatingyourestimatedStategrantawardifallsupplementalinformationhasbeenreceived.IfyoudidnotrespondtotheadditionalStatequestionsonFAFSAontheWebifyousubmittedthePDForpaperFAFSAoriftheinforma-tionprovidedonyourFAFSAwasinsufcienttodetermineeligibilityforStatenancialaidyouwillreceiveanApplicantInformationRequestAIRForm.FollowtheinstructionsontheAIRattachthedocumentsrequestedandsignandreturntheAIRtoHESAAwithinapplicabledeadlines.IfyourrecordisselectedforStatevericationyouwillbeaskedtopro-videdocumentssuchasataxreturntranscriptincometaxschedulesvericationworksheetsetc.YoumustsubmitaFAFSAeachyear StateFederalFinancialAidforUndergraduateandGraduateStudents7Youwilltypicallyreceiveanancialaidawardnoticeonlyfromcollegestowhichyouhavebeenofferedadmission.Thenoticewillincludespecicinformationonhowtoacceptandorapplyforanynancialaidoffered.Readandbecomefamiliarwithinstitutionalnancialaidpoliciesproceduresandpracticesforyourcollege.Ifacollegerequiresadditionalformsandorapplicationsitisthestudentsresponsibilitytocompleteandsubmitalldocumentstothecollege. 8StateFederalFinancialAidforUndergraduateandGraduateStudentsFederalAidGeneralEligibilityRequirementsForfederalprogrameligibilitygotohttpstudentaid.ed.goveligibilitybasic-criteriaSeethefederalaidawardchartonpage20.FederalPellGrantAFederalPellGrantunlikealoandoesnothavetoberepaid.PellGrantsareawardedonlytoundergraduatestudentswhohavenotearnedabachelorsoraprofessionaldegree.Insomecasesastudentenrolledinapost-baccalaureateteachercerticationprogrammightreceiveaPellGrant.PellGrantsareconsideredthefoundationoffederalnancialaidtowhichaidfromotherfederalandnon-federalsourcesmightbeadded.FederalSupplementalEducationalOpportunityGrantFSEOGTheFederalSupplementalEducationalOpportunityGrantFSEOGprogramisforundergraduateswithexceptionalnancialneed.PellGrantrecipientswiththelowestexpectedfamilycontributionsEFCswillbeconsideredrstforaFSEOG.JustlikePellGrantstheFSEOGdoesnothavetoberepaid.TeacherEducationAssistanceforCollegeandHigherEducationTEACHGrantTheTEACHGrantprovidesgrantsforundergraduate-orgraduate-levelstudy.Thetotalamountsprovidedare16000forundergraduatesorpost-baccalaureatenon-degreeprogramsand8000forgraduatestudents.StudentsmustAttendaparticipatingschool.SchoolsmaychoosetoparticipateintheTEACHprogram.PlantobeginacareerasateacherCurrentlybecompletingcourseworknecessarytobeginacareerinteachingSignanAgreementtoTeachFormTeachfull-timeforfouryearsatadesignatedschoolinaspecifedsubjectFederalAidProgramsUndergraduateUndergraduateUndergraduateGraduate StateFederalFinancialAidforUndergraduateandGraduateStudents9IfastudentisunabletofullltheteachingobligationTEACHGrantsconverttoUnsubsidizedFederalDirectLoansthatthestudentmustthenrepay.FederalWorkStudyFWSTheFWSprogramoffersemploymentforstudentsdemonstratingnancialneedonoroffcampusandiscoordinatedbyyourcollege.Thehourlyrateofpayissetbythecollegeandtheemployer.Someschoolshaveemploymentagreementswithprivatenon-protorganizations.FederalDirectStudentLoansTheDirectLoanprogrammakeshighlyaffordableloansavailabletostudents.Studentsdonothavetopassacreditcheckandinterestonfederalloansisxed.Repaymentbeginssixmonthsafterleavingschoolandthereareneveranyprepaymentpenalties.Theseloanscaneitherbesubsidizedorunsubsidized.Forloansdisbursedafter712014theinterestrateis4.66forundergraduatesand6.21forgraduateprofes-sionalstudents.A1.073originationfeeisdeductedfromeachdis-bursement.Toapplycheckyourcollegesnancialaidwebsiteorgotowww.studentloans.gov.SubsidizedLoanStudentswhodemonstratenancialneedmayhavetheirinterestpaidbythefederalgovernmentwhilethestudentisenrolledatleasthalftimeincollegeandduringperiodsofauthorizeddeferment.Thelawlimitstheben-etsoftheDirectLoansubsidytoanaggregatedperiodofnomorethan150ofprogramlengthfornewborrowers.OncethatlimithasbeenreachedtheborrowerwillbegintoincurinterestchargesonoutstandingsubsidizedloansiftheborrowerisenrolledatleasthalftimeinaprogramincludingpreparatorycourseworkthatwouldotherwisequalifytheborrowerforaDirectSubsidizedLoan.Theinitialinterestratechangesannuallyhoweveritisxedforthetermoftheloan.UnsubsidizedLoanUnsubsidizedloanborrowersmayagreetorepayinterestimmediatelyorthelenderwillcapitalizetheinterestthataccruesduringthein-schoolandgraceperiods.Theinitialinterestratechangesannuallyhoweveritisxedforthetermoftheloan.FederalAidProgramsUndergraduateGraduateUndergraduateGraduateUndergraduate 10StateFederalFinancialAidforUndergraduateandGraduateStudentsFederalParentLoanforUndergraduateStudentsPLUSParentsofstudentsmayborrowuptothecostofattendanceminusallothernancialaidfromtheDirectPLUSLoanProgram.Interestaccruesfromdateofdisbursement.Forloansdisbursedonorafter912014theinterestrateis7.21.Theinitialinterestratechangesannuallyhoweveritisxedforthetermoftheloan.Theoriginationfeeis4.292.Repay-mentbeginswithin60daysaftertheloanisfullydisbursed.Aborrowercanrequestapaymentpostponementuntilthestudentisenrolledlessthanhalftimeornolongerenrolledinschool.Limiteddefermentsareavailable.Alwaysvisitwww.njclass.orgtoseeifNJCLASShasbetterratestermsandconditionsthanfederalloans.FederalGraduatePLUSGraduateProfessionalstudentsmayborrowuptothecostofattendanceminusallothernancialaidfromtheDirectPLUSLoanProgram.Thereisnointerestsubsidy.Forloansdisbursedonorafter912014theinter-estrateis7.21.Theinitialinterestratechangesannuallyhoweveritisxedforthetermoftheloan.Theoriginationfeeis4.292andthefeeisdeductedfromeachdisbursement.Repaymentbeginswithin60daysaftertheloanisfullydisbursedoraborrowercanrequestapaymentpostponementuntilthestudentisenrolledlessthanhalftimeorisnolongerenrolledinschool.FederalPerkinsLoanUndergraduateandgraduatestudentswhodemonstratenancialneedmaybeeligibleforalow-interestPerkinsloan.ThePerkinsLoanProgramisadministeredbyyourcollege.Borrowinglimitsandrestrictionsapply.Theannualloanlimitis5500forundergraduatestudyand8000forgraduateandprofessionalstudents.Themaximumamountthatmaybeborrowedis27500forundergraduatestudyand60000forgraduatestudytotalsincludeallpreviousPerkinsloans.Repaymentat5interestbeginsninemonthsafterleavingschoolwithupto10yearstorepay.FederalAidProgramsUndergraduateGraduateGraduateParentsofUndergraduate StateFederalFinancialAidforUndergraduateandGraduateStudents11StateAidGeneralEligibilityRequirementsToreceiveaidfromtheStateofNewJerseyyoumustmeetgeneralfederalaideligibilityrequirementsandDemonstratenancialneedBeaU.S.citizenoraneligiblenon-citizenBealegalresidentofNewJerseyforatleast12consecutivemonthsimmediatelypriortoenrollmentNOTEEligiblenon-citizensmustresideinNewJerseyfor12consecutivemonthsafterreceivingpermanentresi-dentstatusfromUSCIStomeettheStateresidencyrequirement.BeregisteredwithSelectiveServiceifrequiredMaintainsatisfactoryacademicprogressBeafull-timeundergraduatestudentenrolledinanapproveddegreeorcerticateprogramNothaveabaccalaureatedegreeoranassociatedegreeifenrolledatatwo-yearcollegeNothavereceivedthemaximumallowablenumberofgrantpaymentsNotbeindefaultonaFederalorStatestudentloanNotowearefundonaFederalorStategrantNotbeenrolledinaprogramleadingtoadegreeintheologyordivinitySpecicprogrameligibilityrequirementsarelistedbelowtheprogramdescriptions.HowtoApply-StudentsmustfletheFAFSAannuallywithinestab-lisheddeadlinesandmeetallotherprogramrequirements.StateGrantScholarshipApplicationDeadlinesTAGRenewalStudentsJune1IfyouarecurrentlyreceivingaTAGthefederalprocessormustreceiveyourFAFSAbyJune1precedingtheacademicyearforwhichaidisre-quested.AllOtherApplicantsOctober1IfyouarenotcurrentlyreceivingaTAGthefederalprocessormustreceiveyourFAFSAbyOctober1oftheacademicyearforwhichaidisrequestedtobeconsideredforanawardforthefallandspringterms.SpringOnlyAwardsMarch1IfyouarenotcurrentlyreceivingaTAGthefederalprocessormustreceiveyourFAFSAbyMarch1oftheacademicyearforwhichaidisrequestedtobeconsideredforanawardforthespringterm.StateAidPrograms 12StateFederalFinancialAidforUndergraduateandGraduateStudentsTuitionAidGrantTAGOneofthenationslargestandmostgenerousnancialaidprogramsTAGmaycoveruptothecostoftuition.Theamountofanindividualgrantvariesbaseduponthestudentsneedthecostofattendanceandavailablefunding.GrantsmustbeappliedforannuallywithinestablishedStatedeadlinesandapplicantsmustmeetallprogramrequirements.SeePage20forannualawardrangesandmaximums.EligibilityseePage11forgeneralStateaideligibilityrequirementsPart-TimeTAGforCountyCollegeStudentsThePart-TimeTAGProgramforCountyCollegeStudentsprovidesgrantstoeligiblestudentswhileenrolledforbetween6-11credits.Theamountofanindividualawardvariesbaseduponthestudentsneedthecostofattendanceandavailablefunding.EligibilityseePage11forgeneralStateaideligibilityrequirementsEducationalOpportunityFundEOFGrantEOFgrantsareavailabletostudentsfromeducationallyandeconomi-callydisadvantagedbackgroundswhomeeteligibilityrequirements.Awardamountsvarydependingonenrollmentstatuscollegecostsandnancialneed.EOFgrantsarerenewableannuallybaseduponcontin-uedeligibility.StudentsmustleaFAFSAannuallywithinestablishedStatedeadlines.ApplicantsmustcontactthecampusEOFDirectortoapplyforadmissionintotheprogram.Theinstitutionwilldeterminethevalueofthegrant.EligibilityseePage11forgeneralStateaideligibilityrequirementsGovernorsUrbanScholarshipTheGovernorsUrbanScholarshipisameritawardavailabletostudentsStateAidProgramsUndergraduateUndergraduateUndergraduateGraduateUndergraduate StateFederalFinancialAidforUndergraduateandGraduateStudents13whorankinthetop5.0percentoftheirhighschoolgraduatingclassandattainagradepointaverageofatleast3.0attheendofthejunioryearinhighschoolleaFAFSAwithinestablisheddeadlinesandhaveaNewJerseyEligibilityIndexbelow10500.Toqualifyapplicantsalsomustgraduatefromatraditionalpublicpublicchartercountyvo-techornonpublicschoolandresideinAsburyParkCityofCamdenEastOrangeIrvingtonTownshipJerseyCityLakewoodMillvilleNewarkNewBruns-wickCityofTrentonPatersonPlaineldRoselleBoroughorVineland.EligibilityseePage11forgeneralStateaideligibilityrequirementsNewJerseyWorldTradeCenterScholarshipEligibledependentchildrenandsurvivingspousesofNewJerseyresidentswhowerekilledintheterroristattacksagainsttheUnitedStatesonSeptember112001diedasaresultofinjuriesreceivedintheattackdiedasaresultofillnesscausedbyexposuretotheattacksitesorweredeclaredmissingandofciallypresumeddeadasaresultoftheattackmaybeeligible.Recipientsmayattendanyeligiblecollegein-stateorout-of-state.Scholarshipamountsmaychangebasedonprogramfundingandthestudentsotheravailablenancialassistance.EligibilityseePage11forgeneralStateaideligibilityrequirementsStudentsmustBeadependentchildorsurvivingspouseofanindividualwhowasaNJresidentonSeptember112001andwhowaskilledintheterroristaacksagainsttheUnitedStatesonSeptember112001orwhodiedasaresultofillnesscausedbyexposuretotheaacksiteBeenrolledasafull-meundergraduateataneligiblepostsecondaryinstuonEligibilitytoapplyislimitedtoeightyearsfromthedateofhighschoolgraduaonforthechildandeightyearsfromthedateofdeathforthespouse.HowtoApplyApplicaonsmaybeobtainedonlineatwww.njgrants.org.StateAidProgramsUndergraduate 14StateFederalFinancialAidforUndergraduateandGraduateStudentsStateAidProgramsNewJerseyStudentTuitionAssistanceRewardScholarshipNJSTARSNewJerseyresidentswhorankinthetop15.0oftheirclassattheendofeitherjuniororsenioryearofhighschoolmaybeeligiblefortheNJSTARSprogram.NJSTARSawardscovertuitiononlyforuptoeighteencollege-levelcreditspersemesterforuptovesemesters.Studentsmustattendtheircountycollegeofresidenceunlesstheycandemonstratethatthehomecountycollegedoesnotofferthedesiredprogramofstudyortheprogramisoversubscribedforatleastoneyear.EligibilityseePage11forgeneralStateaideligibilityrequirementsStudentsmustalsoHavecompletedarigoroushighschoolcourseofstudyAchievetherequiredscoreonacollegeplacementtesttodeterminecollegereadinessEnrollfulltimenolaterthanthe5thsemesterfollowinghighschoolgraduationMaintaincontinuousfull-timeenrollmentatthecountycollegeAttainacumulativeGradePointAverageGPAof3.0orhigherpriortothethirdsemesterofenrollmentUndergraduateAllstudentsmustleaFAFSAwithinestab-lishedStatedeadlines StateFederalFinancialAidforUndergraduateandGraduateStudents15StateAidProgramsNewJerseyStudentTuitionAssistanceRewardScholarshipIINJSTARSIINJSTARSIIisacontinuationoftheNJSTARSProgramthatprovidesfundingtoattendaNewJerseyfour-yearpublicorprivatecollegeoruniversity.TheNJSTARSIIawardwillbebasedontuitiononlyforuptoeighteencreditsexceptforTuitionAidGrantrecipientswhowillreceiveNJSTARSIIawardsbasedontuitionandapprovedfees.TheamountoftheNJSTARSIIawardwillbedeterminedafterallotherStateandfederalgrantsandscholarshipsareappliedtothesechargesnottoexceed1250persemester.EligibilityseePage11forgeneralStateaideligibilityrequirementsStudentsmustalsoHaveearnedanassociatedegreeasanNJSTARSscholarfundedornon-fundedwithacumulativeGPAof3.25orhigherandbeadmittedtoaNewJerseyfour-yearpublicorprivatecollegeoruniversity.NOTENJSTARSeligibilitydoesnotguar-anteeadmissiontoaNewJerseyfour-yearinstitution.Maintaincontinuousfull-timeenrollmentUndergraduateAttainaminimumcumulativeGPAof3.25atthestartofthethirdsemesterofstudytomaintaineligibilityforthethirdandfourthsemestersHaveafamilyincomeincludingtaxableanduntaxedincomeoflessthan250000AllstudentsmustleaFAFSAwithinestab-lishedStatedeadlines 16StateFederalFinancialAidforUndergraduateandGraduateStudentsSurvivorTuitionBeneftsSTBEligiblechildrenandsurvivingspousesofNewJerseyreghtersemergencyserviceworkersorlawenforcementofcerswhowerekilledinthelineofdutymayenrollfreeoftuitionchargesatanypublicinstitu-tionofhighereducationinNewJersey.RecipientsmayalsoattendanyapprovedindependentinstitutionintheState.TheawardamountcannotexceedthehighesttuitionchargedataNewJerseypublicinstitution.Awardsarerenewable.EligibilityseePage11forgeneralStateaideligibilityrequire-mentsStudentsmustBeachildorsurvivingspouseofaNewJerseyreghteremergencyserviceworkerorlawenforcementocerkilledinthelineofdutyBeenrolledatleasthalf-meinanundergraduateprogramataneligibleNewJerseypostsecondaryinstuonEligibilitytoapplyislimitedtoeightyearsfromthedateofhighschoolgraduaonforthechildandeightyearsfromthedateofdeathforthespouse.HowToApplyApplicaonsmaybeobtainedonlineatwww.njgrants.org.StateAidProgramsUndergraduate StateFederalFinancialAidforUndergraduateandGraduateStudents17LawEnforcementOfcerMemorialScholarshipLEOMSEligibledependentchildrenofNewJerseylawenforcementofcerskilledinthelineofdutymayreceivescholarshipsuptothecostofattendanceatanapprovedinstitutionofhighereducationinNewJersey.TheawardamountcannotexceedanamountequaltotherecipientsannualcostofattendancethatisnototherwisecoveredbyanyotherscholarshipgrantbenetorotherassistanceadministeredbyHESAA.Awardsarerenewableforuptofouryears.EligibilityseePage11forgeneralStateaideligibilityrequire-mentsStudentsmustBeadependentchildofaNewJerseylawenforcementocerkilledinthelineofdutyBeenrolledfull-meinanundergraduatedegreeprogramataneligibleNJpostsecondaryinstuonHowToApplyApplicaonsmaybeobtainedonlineatwww.njgrants.org.StateAidProgramsUndergraduate 18StateFederalFinancialAidforUndergraduateandGraduateStudentsStateAidProgramsGovernorsIndustryVocationsScholarshipNJ-GIVSforWomenandMinoritiesTheGovernorsIndustryVocationsScholarshipNJ-GIVSpaysupto2000peryearoruptothecostoftuitioninaneligiblecerticateordegreeprogramlessanyfederalstateorinstitutionalnancialaid.ThescholarshipisfundedbytheSDAandadministeredbyHESAA.Fundingislimitedandawardswillbemadeonarst-comerst-servedbasis.Toreceiveanawardyoumustmeetalleligibilityrequirements.EligibilityseePage11forgeneralStateaideligibilityrequire-mentsAccordingtoN.J.S.A.5218A-240theSchoolsDevelop-mentAuthoritymustsetasideaporonoftherevenuesfromitsconstruconcontractsfortrainingprogramsforwomenandmi-noritygroupmembers.ToreceiveNJ-GIVSyoumustbeafemaleoraminoritygroupmember.MinoritygroupsincludethefollowingasdenedatN.J.A.C.1746-1.2Minoritymeansapersonwhois1BlackwhichisapersonhavingoriginsinanyoftheblackracialgroupsinAfricaor2HispanicwhichisapersonofSpanishorPortugueseculturewithoriginsinMexicoSouthorCentralAmericaortheCaribbeanIslandsregardlessofraceor3AsianAmericanwhichisapersonhavingoriginsinanyoftheoriginalpeoplesoftheFarEastSoutheastAsiaIndianSubconti-nentHawaiiorthePacicIslandsor4AmericanIndianorAlaskannativewhichisapersonhavingoriginsinanyoftheoriginalpeoplesofNorthAmerica. StateFederalFinancialAidforUndergraduateandGraduateStudents19StateAidProgramsYoumustletheFreeApplicationforFederalStudentAidFAFSAandhaveanannualhouseholdincomebelow60000.YourawardmaybeusedatanyofNewJerseys19countycollegescountyvocationaltechnicalschoolsoraproprietarytradeschoolaf-liatedwithaninstitutioneligibletoparticipateintheNewJerseyTAGTuitionAidGrantprogram.Toapplypleaselloutanapplicationonlinebyvisitingwww.njgrants.org.NewJerseygrantsandscholarshipsarelimitedtoU.S.citizensandeligiblenon-citizenswhohavereceivedapprovalfromtheUnitedStatesCitizenshipandImmigrationServicesUSCIStoremainintheU.S.onapermanentbasis.StudentsintheU.S.onatemporarybasis-whodonothaveapprovedpermanentresidentstatusfromUSCIS-arenoteligibletoreceiveanaward.MaleawardrecipientswillberequiredtoprovetheyhaveregisteredwiththeSelectiveServiceSystem.RegistrationisincludedwithintheFreeApplicationforFederalStudentAidFAFSA.NewJerseygrantsandscholarshipsarelimitedtoNewJerseyresi-dents.ANewJerseyresidentmusthaveresidedintheStateforatleast12consecutivemonthsimmediatelypriortoreceivingtheaward.NOTEEligiblenon-citizensmustresideinNewJerseyfor12consecu-tivemonthsafterreceivingpermanentresidentstatusfromUSCIStomeettheStateresidencyrequirement.StudentsmusthaveahighschooldiplomaorGEDequivalenttobeeligible.HowToApplyApplicaonsafulllistofeligibleprogramsandparcipangNewJerseyinstuonsmaybeobtainedonlineatwww.njgrants.org. 20StateFederalFinancialAidforUndergraduateandGraduateStudentsStateAidProgramsProgramNameAnnualAwardTuitionAidGrantTAG576-12016Part-TimeTAGforCountyCollegeStudents568-1942EducationalOpportunityFundEOFUpto2500NJGovernorsUrbanScholarship1000NJStudentTuitionAssistanceRewardScholarshipNJSTARSTuitionOnlyNJStudentTuitionAssistanceRewardScholarshipIINJSTARSIIUpto2500NJWorldTradeCenterScholarshipWTC5000SurvivorTuitionBenetsSTBTuitiononly-Upto12800LawEnforcementOfcerMemorialScholarshipLEOMSCOAminusotheraidNJCLASSCOAminusotheraidNJGovernorsIndustryVocationsScholarshipNJ-GIVS2000FederalAidProgramsAcronymProgramNameAwardFPELLFederalPELLGrantUpto5730annuallyFSEOGFederalSupplementalEducationalOpportunityGrantUpto4000TEACHTeacherEducationAssistanceforCollegeandHigherEducationUpto3708FPERKINSFederalPerkinsLoanUpto5500FWSFederalWorkStudyProgramVariableCollegedeterminedFederalDirectStudentLoansFederalDirectLoanVariableUpto55001styearPLUSFederalPLUSLoanCOAminusotheraidAppropriatedfundsdistributedbycollegesonarst-come-rst-served-basiswithaneedcomponent.StateFederalAidPrograms StateFederalFinancialAidforUndergraduateandGraduateStudents21NJCLASSUndergraduateGraduateProfessionalLoansNJCLASSisaStateofNewJerseysupplementalstudentloanprogramprovidingstudentswithanadditionalaffordablesourceoffundsformeet-ingcollegeexpensesnotalreadycoveredbyotherformsofstudentaid.NJCLASSprovidesxed-rateandvariable-rateloansforundergraduategraduateandprofessionalstudents.NJCLASSvariable-rateloanhasnooriginationfeewhereasthexed-rateloanhasa3originationfeedeductedfromtheloanproceeds.Thereareseveralrepaymentoptionssubjecttoavailability.Themaximumrepaymentperiodis20yearsforundergraduateloansand25yearsforgraduateprofessionalloans.SeeNJCLASSRateChartonpage22NJCLASSloansareavailabletoStudentswhoareNJresidentsattendingeligiblecollegesworldwideNon-NJresidentstudentsattendingeligiblecollegesinNewJerseyEligibilityseePage11forgeneralStateaideligibilityrequire-mentsStudentistheborrowerStudentsmustborrowthesubsidizedporonoftheFederalDirectStudentloanifeligibleStudentsmustbeenrolledatleasthalfmeataneligiblein-stateorout-of-statecollegeBorrowerorco-signermustmeetminimumincomeandcreditrequirementsTheNJCLASSloanmaynotexceedthestudentscostofaendanceminusothernancialassistanceCanbeusedtocoverprioryeareducaonalchargesForfurtherinformationortoapplyonlinevisitwww.njclass.org.StateLoansUndergraduateGraduateNewJerseyCollegeLoanstoAssistStateStudents 22StateFederalFinancialAidforUndergraduateandGraduateStudentsStateLoansGraduateProfessionalLoanGraduateorprofessionalstudentsaretheborrowers.StudentsmustfleaFAFSAStudentsmustbeenrolledatleasthalftimeataneligiblein-stateorout-of-statecollegeBorrowersmusthaveanacceptablecredithistory.Incomeoremploymentisnotrequiredforapproval.GraduateNJCLASSRateChartOptionsPercentageRateFeePaymentRequirement10YearVariable4.49NoFeesImmediateRepayment10YearFixed5.993FeeImmediateRepayment15YearFixed6.953FeeImmediateRepaymentorInterestOnly20YearFixed8.403FeeFullDeferralWhileinSchool StateFederalFinancialAidforUndergraduateandGraduateStudents23HowtoRequestaTaxReturnTranscriptVerifcationAprocessinwhichstudentsandorparentsmustprovideproofthattheinformationsubmittedontheFAFSAisaccurate.FederalregulationsrequireafederalTaxReturnTranscriptobtainedfromtheIRSastheonlyacceptabledocumentation.TheStateTuitionAidGrantprogramfollowstheseregulationstosimplifytheapplicationprocess.PersonalcopiesofyourtaxreturnarenolongeracceptabledocumentationRequestingafederalTaxReturnTranscriptonlineiseasyBeforeyoubeginthefollowinginformationwillberequiredSocialSecurityNumberdateofbirthstreetaddress-exactlyasitappears-onyourtaxreturnandzipcodeRequestacopyofaFederalTaxReturnTranscriptbyvisitingwww.irs.govLookunderTOOLSandselectGetTranscriptofyourTaxRecordYoucannowobtainyourTAXRETURNTRANSCRIPTintwoways1.GetTranscriptOnlineDownloadandPrintyourTranscriptimmediatelyPreferredMethod2.GetTranscriptbyMailTranscriptwillbemailedtotheaddressonrecordthismethodcantakefrom5to10businessdaysNoteMultipletranscriptsmayberequiredfromstudentandspouseandorstudentsparentsIMPORTANTTIPSRemembertosaveacopyofyourtaxRETURNTRANSCRIPTforyourrecordsbeforeyousubmitit.Ifrequestingbymailitwillbeprintedonbothsidesmakesuretocopybothsides.WhensubmittingtaxRETURNTRANSCRIPTSbesuretoincludethestu-dentsnameandSocialSecurityNumberorCustomerIDontheTranscripts. 24StateFederalFinancialAidforUndergraduateandGraduateStudentsREMEMBER...EDUCATIONALOPPORTUNITIESAREJUSTACUSTOMERCARECALLORCLICKAWAYHESAAsCustomerCareLineisheretoassiststudentsfamiliesandnancialaidprofessionalswithreliableup-to-dateinformationandresourcesbyProvidinginformationforself-assessmentandchoiceandidentifyingopportunitiesforlearninginavarietyofsettingsthroughouttheState.Encouragingindividualsofdiversebackgroundsagesinterestsandabilitiestotakeadvantageofpostsecondaryeduca-tionalopportunities.Providinginformationoncostsofpostsecondaryeducationandavailablesourcesofnancialaid.Increasingthepublicsgeneralawarenessconcerningthequalityanddiversityofeduca-tionalopportunitiesavailableforcitizensofallageswithintheStateofNewJersey.609-584-4480www.hesaa.org StateFederalFinancialAidforUndergraduateandGraduateStudents25NewJerseyCountyCollegesall19NewJerseyFour-YearPublicCollegesandUniversitiesKeanUniversityMontclairStateUniversityNewJerseyCityUniversityNewJerseyInstituteofTechnologyRamapoCollegeofNewJerseyRowanUniversityRutgersTheStateUniversityofNewJerseyStocktonUniversityTheCollegeofNewJerseyThomasEdisonStateCollegeWilliamPatersonUniversityNewJerseyPrivateCollegesandUniversitiesBaisMedrashTorasChesedBethMedrashGovohaBloomfeldCollegeCaldwellUniversityCentenaryCollegeCollegeofSaintElizabethDrewUniversityFairleighDickinsonUniversityFelicianCollegeGeorgianCourtUniversityMonmouthUniversityPillarCollegePrincetonUniversityTuitionAidGrantParticipatingInstitutionsStudentsmustattendanapprovedNewJerseycollegeuniversityordegree-grantingproprietaryschoolincludingRabbiJacobJosephSchoolRabbinicalCollegeofAmericaRiderUniversitySaintPetersUniversitySetonHallUniversityStevensInstituteofTechnologyTalmudicalAcademyYeshivaTorasChaimYeshivasBeerYitzchokNewJerseyProprietaryDegree-GrantingSchoolsBerkeleyCollegeDeVryUniversityEasternInternationalCollegeEastwickCollege 26StateFederalFinancialAidforUndergraduateandGraduateStudentsNOTES StateFederalFinancialAidforUndergraduateandGraduateStudents27NOTES 28StateFederalFinancialAidforUndergraduateandGraduateStudentsHelpfulWebsitesHESAA-HigherEducationStudentAssistanceAuthorityPhone609-584-4480MondaythroughThursday8a.m.-8p.m.Friday8a.m.5p.m.Bilingualexpertsareavailabletoansweryourquestionswww.hesaa.orgTDDSystemfortheHearingImpaired609-588-2526MondaythroughFriday8a.m.5p.m.U.S.DepartmentofEducationFederalStudentAidPrograms1-800-4-FED-AID1-800-433-3243TTY1-800-730-8913www.studentaid.ed.govCompletetheFAFSAOnlinewww.fafsa.govPrivateCareerSchoolAssociationofNJwww.pcsanj.comCollegePlanningandMoneyManagementwww.mappingyourfuture.orgFreeScholarshipSearcheswww.fastweb.comOnlineGuidetoFinancialAidwww.fnaid.orgNJCollegeCreditTransferInformationwww.njtransfer.orgConsumerFinancialProtectionBureauwww.consumerfnance.govHESAARevised41715