by our College Data Analytics TeamA large number of students will not be asked to pay the complete price tag of a school. Rather, they are presented a financial aid deal that includes a mix of loans, grants, scholarships, and possibly work-study opportunities. The total price of attendance at Garden State Science and Technology Institute can feel overwhelming, but bear in mind that many students receive some sort of financial aid.
What financial aid options can Garden State Science and Technology Institute offer, and what will you qualify for? Keep reading for more information. Scroll down to see just how much financial aid could be open to you.
Your financial aid package, which may contain grants and scholarships, will be determined on your financial need. Continue reading to find information to help you understand just how much assistance you can expect to receive from Garden State Science and Technology Institute.
Colleges use loans, grants, scholarships and work-study to minimize what students actually pay out of pocket. Some kinds of aid are clearly preferable to others, and outcomes differ across students.
For incoming first-year students at Garden State Science and Technology Institute, 97% of entering full-time freshmen got some type of financial assistance around 382 first-years).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 96% | $4,957 |
| Institutional grants & scholarships | 0% | $5,992 |
| Federal Pell grants | 96% | $4,954 |
| State/local grants | 0% | — |
| Federal student loans | 84% | $8,014 |
The best aid is gift aid: grants and scholarships that carry no repayment obligation. At Garden State Science and Technology Institute, around 78% of undergrads got grants or scholarships worth on average $4,814 (across roughly 818 recipients).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 78% | $4,814 |
| Federal Pell grants | 78% | $4,801 |
| Federal student loans | 61% | $8,123 |
Among title-IV aid recipients living on campus, grant and scholarship aid averaged $4,904.
Need-based aid means lower-income families typically pay far less than the sticker price suggests.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $24,697 |
| $30,001 – $75,000 | $25,069 |
| Over $75,000 | $27,185 |
Each figure is the net price after grants and scholarships, not the published sticker price.
The net price represents the average annual cost a title-IV-receiving student pays after grant aid is subtracted from the full cost of attendance.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $25,536 |
| Off-campus title-IV students | $24,759 |
To project your own net price, use Garden State Science and Technology Institute’s NPC: gssti.edu/financial-aid/.
The middle student in the debt distribution at Garden State Science and Technology Institute owes $7,412 of federal student loans.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $7,412 |
| Median federal debt (graduates only) | $9,403 |
| Typical 10-year monthly payment (graduates) | $99.69/mo |
That monthly figure reflects the median graduate debt repaid on a standard 10-year federal schedule.
A single median figure conceals how much debt outcomes differ student to student. The figures below chart the debt distribution at Garden State Science and Technology Institute.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,139 |
| 25th percentile | $4,278 |
| 75th percentile | $7,389 |
| 90th percentile (highest-debt students) | $7,389 |
Debt outcomes are not uniform — they shift with income, first-generation status, and dependency.
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $9,305 |
A handful of calculated indicators summarize the debt outlook at Garden State Science and Technology Institute.
The Stafford loan program is the largest source of federal direct loans to undergraduates. The aggregate figures below show how active the program is at Garden State Science and Technology Institute:
| Metric | Value |
|---|---|
| Stafford loan recipients | 456 |
| Total Stafford loan amount | $2,982,288 |
References
More about our data sources and methodologies.