by our College Data Analytics TeamMost students will never be charged the advertised price of a school. Instead, they will be provided a financial aid package that will include a combination of scholarships, grants, loans, and work-study. The sum total of attendance at New Jersey City University can sound overwhelming, but bear in mind that many students get some type of financial aid.
What financial aid options can NJCU offer, and what will you qualify for? Keep reading for more information. Read on to learn just how much financial aid will be open to you.
Eligibility for aid and scholarships is driven mostly by your household’s income and need. The figures below will help you estimate the aid you might receive from New Jersey City University.
Financial aid, in the form of loans, grants, work-study, and scholarships, is one way colleges reduce the cost of attendance so most students can actually afford to attend. Note that some aid is more valuable than the rest, and individual awards are far from uniform.
Among first-time, full-time freshmen at New Jersey City University, 85% of first-year full-time students received aid of some kind approximately 475 students).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 82% | $11,582 |
| Institutional grants & scholarships | 35% | $4,879 |
| Federal Pell grants | 63% | $5,987 |
| State/local grants | 49% | $7,867 |
| Federal student loans | 25% | $5,129 |
Gift aid — grants and scholarships — beats loans every time because none of it has to be repaid. At NJCU, approximately 76% of the undergraduate population received grant aid that averaged $11,892 (for some 3205 undergraduates).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 76% | $11,892 |
| Federal Pell grants | 52% | $5,812 |
| Federal student loans | 28% | $6,991 |
For on-campus title-IV students, average grant aid came to $12,202.
Need-based aid means lower-income families typically pay far less than the sticker price suggests.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $10,179 |
| $30,001 – $75,000 | $11,122 |
| Over $75,000 | $16,633 |
The numbers above are post-aid net prices, so they already account for grants and scholarships.
The net price strips out grant and scholarship aid from the sticker price to show roughly what families really pay.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $16,053 |
| Off-campus title-IV students | $11,732 |
To project your own net price, use NJCU’s NPC: njcu.clearcostcalculator.com/student/default/netpricecalculator/survey.
The middle student in the debt distribution at NJCU owes $14,250 of cumulative federal debt.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $14,250 |
| Median federal debt (graduates only) | $18,500 |
| Typical 10-year monthly payment (graduates) | $196.13/mo |
Spreading the median graduate debt over a standard 10-year repayment schedule works out to roughly the monthly payment shown above.
Looking only at the median can be misleading because it hides the spread. The four reference points below map the debt distribution at NJCU.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,250 |
| 25th percentile | $5,500 |
| 75th percentile | $23,582 |
| 90th percentile (highest-debt students) | $34,225 |
Debt outcomes are not uniform — they shift with income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $13,808 |
| Middle income | $14,250 |
| High income | $14,903 |
First-Gen vs Continuing-Gen Median Debt
| Cohort | Median federal debt |
|---|---|
| First-generation students | $14,250 |
| Continuing-generation students | $12,666 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $13,000 |
| Independent students | $17,000 |
The figure below distills the debt data into a single burden category for NJCU.
Stafford loans are the federal government’s primary direct undergraduate lending program. The aggregate figures below show how active the program is at NJCU:
| Metric | Value |
|---|---|
| Stafford loan recipients | 23178 |
| Total Stafford loan amount | $515,020,314 |
The GI Bill and DoD Tuition Assistance are the main federal aid routes for veterans and service members.
Post-9/11 GI Bill recipients
| Metric | Value |
|---|---|
| GI Bill recipients | 92 |
| Total GI Bill amount | $867,444 |
| Average GI Bill amount per recipient | $9,429 |
DoD program volume
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 1 |
| Total DoD amount | $750 |
| Average DoD amount per recipient | $750 |
References
More about our data sources and methodologies.