Applying for Financial Aid

Applying for a student loan

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Grants -- money that you don`t have to pay back
Loans -- money borrowed that must be repaid with interest
Work -- money earned from employment and paid to student bimonthly


  • Federal Pell Grant is a grant ranging from approximately $277 to $5645 per year.

  • Federal Supplemental Education Opportunity Grant (FSEOG) is an additional grant awarded to Pell recipients. The amount is based on financial need and available funds and range from $200 - $500.

  • New Jersey Tuition Aid Grant (TAG) is available for Full and Part Time students attending New Jersey postsecondary institutions, including community colleges, state colleges and private schools. Award values at Brookdale range from $273 to $2934.

  • New Jersey Educational Opportunity Grant (EOF) -- awarded on the basis of academic criteria and financial need. Awards range from $264 - $1000

  • New Jersey Student Tuition Assistance Rewards Scholarship (NJSTARS) -- New Jersey High School students who do not require remedial coursework and graduate in the top 15% of their class are eligible for 5 terms free tuition. To qualify you must have attended your full senior year and graduated from a New Jersey High School. You must enroll in an associate degree program of a New Jersey Community College in the county in which you reside. Out of county residents will be considered, only if your county college does not offer the program in which you are interested in pursuing. You must be enrolled in a minimum of 12 college level credits and not be required to take Basic Skills. You must have a GPA of 3.0 at the start of your second year. You must apply for financial aid by completing the FAFSA and the Brookdale Community College NJ STARS Student Contract. For more information, visit the NJSTARS website at www.njstars.net.

  • NJSTARS II--Students who attend Brookdale FULL TIME for no more than 5 terms and graduate with an Associate Degree and a 3.25-4.00 GPA may qualify for $2500.00 per for tuition and fees at any College or University in New Jersey.

  • Brookdale Community College Foundation -- a select number of grants awarded on academic achievement and other criteria.


Work Opportunities

  • Federal College Work Study -- awarded on the basis of financial need and available funds; students are paid bimonthly at a rate of $7.50 per hour.

  • Student Help -- Work in the College Commons, Store, Mail Room, Student Activities and other locations; students are paid bimonthly at a rate of $7.50 per hour.

Student Loans

  • Federal Direct Subsidized Loan -- $5500 for first year students and $6500 for 2nd year students enrolled in a program that is a full academic year program. Repayment begins six months after student drops to less than half time status; student has up to 10 years to repay. Current interest rate is 0% in-school (subsidized by federal government) and beginning July 1, 2012 a fixed rate of 3.4% upon taking less than 6 credits.

  • Federal Direct Unsubsidized Loan -- If a student is not eligible to receive funds from the subsidized loan, a combination of subsidized and unsubsidized loans may not exceed $9500 for first year students and $10,500. for second year students. The interest is 6.8% and repayment terms are the same, except interest is not subsidized and will accrue during in-school and six-month grace periods.

  • Federal Direct Parent Loan for Undergraduate Students (PLUS) -- Annual loan limit is the dependent student`s cost of education minus any estimated financial aid received. Repayment begins within sixty days of disbursement, or 6 months after the student stops attending at least 6 credits, with up to ten years to repay. Interest rate is a fixed 7.90%.

  • Alternative Loans -- Alternative loans should be a last resort for students whose financial aid package already includes Federal Direct Loans and other sources of financial aid and still needs additional funding to meet their educational costs. Annual loan limit is the cost of education minus any financial aid received. Eligibility is determined by the lender. The borrower must be credit worthy and have established annual income, or need a co-signer. Brookdale does not associate or advise students on alternative loan lenders.