College Financial Aid Information

New Jersey Higher Education Student Assistance Authority

This site offers information about New Jersey's grants, scholarships, and loan programs. Information is also available on how to apply for student aid.

NJ STARS Program

This site provides information regarding the New Jersey Student Assistance Reward Scholarship.


A financial aid search through the World Wide Web.

Higher Education Student Assistance Authority – Student Load Guide

Steps in the Financial Aid Process

  1. Pin: Apply for a pin to electronically sign your FAFSA. Parents and Students should create PINs!

  2. Fill out the FAFSA: This can be found online at

  3. Send the FAFSA in to be processed or complete and file the form at

  4. Student Aid Report: Approximately four weeks after you submit your FAFSA you will receive a list of all of the information you entered on the FAFSA. If you find any errors you need to correct and return them.

The College takes the SAR and based on cost of education, it creates a financial award letter that lists the aid the college will award the student. The difference between the cost and award given is the expected family contribution towards the cost of education. The college will send the award letter to the student sometime in April or May.

Glossary of Financial Aid Terms

  • Expected Family Contribution (EFC): The amount the federal government expects a student and his/her family to pay toward college costs.
  • Financial Aid: Money that is given, lent, or paid to you so you can pay for college.
  • FAFSA: Free Application for Federal Student Aid, used to apply for U.S. government grants and loans, federal work-study, many state grants, and institutional financial aid. Every financial aid applicant must complete this form.
  • Merit-Based Aid: Scholarships, grants, or other aid awarded based on academic strength, artistic ability, l leadership, or other special talent.
  • Need-Based Aid: Financial aid that is awarded based on demonstrated financial need.
  • Need-Blind: An admissions policy that does not use financial need as a factor in selecting applicants.
  • Admission Need-Conscious: An admissions policy that takes into account students' financial need before making admissions decisions.
  • Preferential Packaging: The practice of awarding more desirable (e.g., higher grants, lower loans) financial aid packages to highly favored students.
  • SAR: The Student Aid Report, generated when the FAFSA is processed, includes all of the data entered on the FAFSA and indicates the amount of the EFC.
  • Work-Study: A federally subsidized or college program in which students hold part-time campus jobs in areas such as the library, academic departments, food services, administrative offices, etc, as part of their financial aid packages.
    Commonly used websites