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Federal and State Grants & Loans

  • NJCU offers three general types of federal and state student aid, each with its own eligibility requirements. You can review specific program details, award amounts and eligibility requirements on the Federal Student Aid website.

    1 - Federal and State Grants

    College grants, considered gift aid, do not have to be repaid. These include the Federal Pell Grant, the New Jersey Tuition Aid Grant, and the Federal Supplemental Educational Opportunity Grant (FSEOG). Pell Grants are awarded only to undergraduate students who have not earned a bachelor’s or professional degree. (A professional degree includes those in a field such as medicine, law, or dentistry.) For many students, Pell Grants provide the foundation of the financial aid package to which other aid may be added. For more information about eligibility, please visit the Federal Student Aid website.

    2 - Federal Loans

    Federal loans, considered self-help, must be repaid with interest. Federal loans include Federal Perkins Loans, the Direct Subsidized Stafford Loan, the Direct Unsubsidized Stafford Loan, the Direct Grad PLUS Loan, and the Direct PLUS Loan. Federal loans typically have lower interest rates than private loans, and the Stafford and Perkins loans require repayment only after graduation or after a student ceases to be enrolled on at least a half-time status.  You can review an overview of the types of loans at the Federal Student Aid website.  

    3 - Work-Study

    Work-study through the Federal Work-Study program allows you to earn your award by working part-time in a University department or office. You may also choose to be a reading tutor in the NJCU America Reads Program.     

    To apply for financial aid, students must complete the FAFSA application and indicate their interest in each program.   

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