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From start to finish, here is what you need to know to repay your NJCLASS loan in simple steps: Step 1: When Do Your Payments Begin?NJCLASS provides new borrowers with different repayment options based on the loan type you choose.*The interest rate and monthly payment on a MEFA variable rate Education Refinancing Loan may increase or decrease as its index, the 1-Month London Interbank Offered Rate (LIBOR), fluctuates. Keep in mind that refinancing a federal student loan will cause you to forfeit all benefits for which you may be eligible that only federal loans offer. If you have any questions during the application process, please call (855) 433-REFI (7334).

As part of the private student loan application process, a lender will review the credit history of the student and cosigner (if applicable).

Payments on your NJCLASS loans are separate from any federal student loan payments that may be required.

If you are a current NJCLASS borrower please click here to find out what your current NJCLASS payments are.

Learn more about the free services available to you.

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