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New Jersey{CITY_NAME} Student Loan Services

  • Private Student Loans
  • Federal Student Loans
  • Financial Aid
  • College Grants
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Some things to consider:

  • Student Loans have very different interest rates

  • There are many different types of loans

  • We can help you determine what is best for you!


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Student Loans in New Jersey

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Federal student loans are college loans issued to students in New Jersey and other states by the federal government that come with low interest rates and don't have to be paid back until you have received your diploma. When you fill out and submit an online FAFSA, the Department of Education generates a report that details the loans that you qualify for in New Jersey. You are required to demonstrate a certain level of financial need to be qualified to receive federal loans The government determines your financial need by examining the income of both you and your parents if you are considered a dependent.

You'll find three different kinds of federal student loans issued by the government that are available to students attending college in New Jersey. The loans available are Parent PLUS loans, Stafford loans and private student loans. Stafford loans are issued directly to the college student and doesn't require collateral or take credit ratings into consideration. The second loan (Federal Parent PLUS Loan) is aimed toward parents of undergraduate students. With a New Jersey college student loan, parents can borrow as much as 100% of their son or daughter's tuition. Third, private student loans are credit-based, unsecured loans available to New Jersey students.

When it comes to finding a student loan to pay for college, private student loans offer many advantages. For instance, many private student loan programs in New Jersey don't make you start making payments until you have graduated. Other private student loan plans require that you start making payments on the loan right away. With some private student loan programs, you may make interest-only payments while you are still in school. This allows you to pay down the interest on your New Jersey student loans as quickly as possible and save money.

You are required to fill out and submit an online FAFSA to be considered to receive federal aid in New Jersey. Once you submit the FAFSA, you'll be considered for grants, work study programs, and federal education loans. The Department of Education determines the eligibility guidelines for New Jersey student loans. The government takes into consideration factors including assets, family expenses, income, and the number of family members when determing your level of financial need. Contact our pleasant representatives for more information.

In New Jersey and other areas of the country, a Stafford loan is a government subisidized loan for graduate and undergraduate students. Stafford loans are very affordable because they have low interest rates that are fixed. For example, graduate students can secure interest rates as low as 6.8 percent. Student loan rates for undergraduate students range between 3.4 and 5.6 percent. Unlike non federal student loans in New Jersey, a Stafford loan does not require credit checks, collateral or application fees. Contact our associates today for more information.

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