{"id":24,"date":"2012-07-17T07:56:18","date_gmt":"2012-07-17T12:56:18","guid":{"rendered":"http:\/\/www.ramapo.edu\/finaid\/home\/"},"modified":"2026-08-06T14:53:54","modified_gmt":"2026-08-06T18:53:54","slug":"home","status":"publish","type":"page","link":"https:\/\/www.ramapo.edu\/finaid\/","title":{"rendered":"Financial Aid: FASFA, Grants and Loans"},"content":{"rendered":"
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Education after high school costs time, money, and effort. It\u2019s a big investment, but well worth it. At Ramapo College of New Jersey, we help students manage their costs through a combination of federal, state, and institutional funds.<\/p>\n

About 67 percent of Ramapo\u2019s students receive more than $40 million in aid. This aid includes grants \u2013 funds which the students are awarded but don\u2019t have to pay back \u2013 and loans, which must be repaid. Students also can receive a work-study job to earn money to help pay for school.<\/p>\n<\/div>\n

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Financing Information\u00a0\u00a0<\/a><\/p>\n

Tuition and Costs<\/a><\/p>\n<\/div>\n<\/div>\n

<\/i><\/i><\/i><\/span>Schedule an Appointment & Discuss Financial Hardships or Change in Family Circumstances <\/div>
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The Office of Financial Aid is now scheduling appointments for students who need to conduct business in person.\u00a0 Appointments can be made through email at\u00a0finaid@ramapo.edu<\/a> or through our chat located on our website. In person appointments are available Monday through Friday from 8:30am to 4:30pm. However, we are confident that most questions can be handled without in-person visits via a phone call, a Webex meeting or email.<\/strong><\/p>\n

If you or your family are experiencing financial hardships or family circumstances have changed please email or call the Office of Financial Aid so we can discuss your situation and the possibility of a re-evaluation of your financial aid award.<\/strong><\/p>\n<\/div><\/div>\n

Financial Aid Information for:<\/h2>\n
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\"First-year<\/a><\/p>\n<\/div>\n

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\"Current<\/a><\/p>\n<\/div>\n

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\"Graduate<\/a><\/p>\n<\/div>\n

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\"Veterans<\/a><\/p>\n<\/div>\n<\/div>\n

\"Ramapo\"<\/div>\n

Important Resources & Information<\/h2>\n
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Dates and Deadlines<\/a><\/strong><\/p>\n<\/div><\/div>\n

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Net Price Calculator<\/a><\/strong><\/p>\n<\/div><\/div>\n<\/div>\n

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Understanding Your Financial Aid Award<\/a><\/strong><\/p>\n<\/div><\/div>\n

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Veterans Students<\/a><\/strong><\/p>\n<\/div><\/div>\n<\/div>\n

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Financial Aid Forms<\/a><\/strong><\/p>\n<\/div><\/div>\n

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How to Submit Documents to the Office of Financial Aid<\/a><\/strong><\/p>\n<\/div><\/div>\n<\/div>\n

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Alternative Loans<\/a><\/strong><\/p>\n<\/div><\/div>\n

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Financial Aid Q&A<\/a><\/strong><\/p>\n<\/div><\/div>\n<\/div>\n

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Policies<\/a><\/strong><\/p>\n<\/div><\/div>\n

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How to View and Pay Your Bill
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<\/i><\/i><\/i><\/span>Accepting Your Loans<\/div>
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Most federal student loans have loan fees that are a percentage of the total loan amount. The loan fee is deducted proportionately from each loan disbursement you receive while enrolled in school. This means the money you receive will be less than the amount you actually borrow. You\u2019re responsible for repaying the entire amount you borrowed and not just the amount you received.<\/p>\n

Please be aware, students must now Accept or Decline Federal Direct Loans through the Ramapo College Self-Service.\u00a0 Your loan will not appear on your bill until you do so.\u00a0 Please follow these instructions:<\/p>\n

To accept your loans, log into your\u00a0RCNJ Experience<\/a> (web self-service)<\/p>\n

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  1. Enter your Ramapo username and password, then click the login button.<\/li>\n
  2. Find the Financial Aid Self-Service box.<\/li>\n
  3. Select the Financial Aid Dashboard <\/a>link.<\/li>\n
  4. In the upper right-hand corner is a drop-down Aid Year box, select 26-27 Aid Year<\/strong>\u00a0(if not already displayed).<\/li>\n
  5. Select the Offer <\/strong>tab to view and accept, decline or modify your loans.<\/li>\n
  6. Navigate down to the Loans <\/strong>section.<\/li>\n
  7. Select the Take Action\u00a0<\/strong>box for each loan and choose Accept, Decline or Modify<\/strong> (to accept a lesser amount).<\/li>\n
  8. Click Submit or your selections will not be recorded.<\/li>\n<\/ol>\n

    If you accept your federal loans, please go to www.studentaid.gov<\/a> and complete an entrance counseling session and a master promissory note.<\/p>\n

    MPN link:\u00a0 https:\/\/studentaid.gov\/mpn\/<\/a><\/p>\n

    Counseling session link:\u00a0 https:\/\/studentaid.gov\/entrance-counseling\/<\/a><\/p>\n

    Other Important Information:<\/strong><\/p>\n

    NJ Residents\u00a0<\/strong>make sure that you complete the required additional state questions no later than September 15.<\/p>\n

    To provide this information online, you must create a login to\u00a0HESAA\u2019s NEW student information system, NJFAMS<\/strong>\u00a0to do this:<\/p>\n

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    1. Go to\u00a0https:\/\/njfams.hesaa.org<\/a>.\u00a0 If you do not yet have a user name and password to NJFAMS, you will be able to create one.<\/li>\n
    2. Click the\u00a0\u201ccreate a student login\u201d<\/strong>\u00a0link to create your user name and password to the\u00a0NEW<\/strong>\u00a0system.<\/li>\n
    3. Once logged into NJFAMS you can view any outstanding tasks that require your attention to complete your record.<\/strong><\/li>\n<\/ol>\n<\/div><\/div>\n
      \"Ramapo\"<\/div>\n

      Other helpful links<\/h2>\n