PAYING FOR COLLEGE & TRADE SCHOOL

• New Jersey Student Tuition Assistance Reward Scholarship (NJ STARS)

• New Jersey Student Tuition Assistance Reward Scholarship (NJ STARS II)

• Higher Education Student Assistance Authority (HESAA)

• Information and How To Apply

• NJ Dreamers - Información y cómo presentar la solicitud

• Alternative Financial Aid Application that allows NJ Dreamers enrolled in New Jersey colleges and universities to apply for state financial aid

• DACA and Undocumented students may be eligible for state aid

• Wind of the Spirit - Equity Education (The Tuition Equality Act)

• Complete this application if you are NOT a United States citizen or eligible noncitizen and meet all of the criteria

• Students must reapply each year

• The New Jersey Educational Opportunity Fund (EOF) provides financial assistance and support services to students from educationally and financially disadvantaged backgrounds who attend participating institutions of higher education in the State of New Jersey

• Grants that can be renewed annually (based on eligibility)

• 42 of New Jersey's colleges and universities participate in the Fund

• Educational Opportunity Fund (EOF) eligibility and information

• Learn More: Educational Opportunity Fund (EOF)

• The FSEOG program is for undergraduates with exceptional financial need

• Pell Grant recipients with the lowest Expected Family Contribution (EFC) will be considered first for a FSEOG

• Processed through the FAFSA application

• No additional application is required

• FSEOG

• The TEACH grant provides grants for undergraduate or graduate level study

• Eligibility criteria required

• TEACH Grant

• New Jersey students enrolled in any of the State's 18 county colleges may be eligible for tuition-free college

• NJ Community College Opportunity Grant (CCOG) is available to students who meet eligibility requirements

• Students who complete the FAFSA or the NJ Alternative Financial Aid Application for NJ Dreamers are considered for this state aid and no separate application is required

• Community College Opportunity Grant (CCOG) program description and eligibility information

A variety of websites are available to students to apply for scholarships including through your Naviance account.

Popular websites:

• https://www.hobsons.com/resources/the-importance-of-scholarships-for-college-finances/

• https://www.scholarships.com

• https://bigfuture.collegeboard.org/scholarship-search

• https://www.fastweb.com/college-scholarships

• https://opportunity.collegeboard.org

• https://www.chegg.com/scholarships

• https://www.careeronestop.org/toolkit/training/find-scholarships.aspx

• https://www.cappex.com

• Consumer Financial Protection Bureau: Choosing A Loan That's Right For You

• Types of College Loans

• Federal Student Loans:

  • Direct Subsidized Loan

  • Direct Unsubsidized Loan

  • Direct PLUS Loan

  • Direct Consolidation Loan

  • Difference Between Subsidized and Unsubsidized Loans

• State of New Jersey - Student Loan Guide

• State of New Jersey - Financial Aid Shopping Sheet for Academic Year 2024-2025 (Associate Degree)

• State of New Jersey - Financial Aid Shopping Sheet for Academic Year 2024-2025 (Bachelor Degree)

• NJCLASS - A Family Loan for Higher Education

• NJCLASS - What To Consider When You Are Cosigning A Loan

• NJCLASS - Repayment Assistance Program (RAP)

• NJCLASS - Relief Options

• Federal Work-Study Program

• Federal Work-Study Program jobs help students earn money to pay for college or trade school

• Federal Work-Study Program

• Provides part-time jobs for undergraduate and graduate students with financial need to help pay education costs

• Encourages community service work and work related to the student's course of study

• Available to full-time and part-time students

• Administered by schools participating in the Federal Work-Study Program

• Check with the school's financial aid office to find out if the school participates

• Jobs are on or off campus

• The amount you earn cannot exceed your total Federal Work-Study award.