• Complete the Loan Request Form
• You must complete a Loan Request Form each academic year
• Complete your Entrance Counseling
• Entrance Counseling is required by federal law of all students who wish to borrow through the Federal Stafford Student Loan program. Entrance Counseling will help you understand all of your rights and responsibilities as a borrower
• Be sure to print out a copy of your confirmation page
• Complete a Master Promissory Note (MPN)
• The MPN is an agreement between you and your lender. You and the lender agree to the terms of the loan and you promise to repay the loan
• The above link will take you to a list of common lenders - you can select one of these lenders or any other lender of your choice
• Be sure to print out a copy of your signed and completed MPN

Once you have completed these three items, bring them to your nearest financial aid office. You can also fax or mail them in.

If you or your parents would like to borrow a PLUS or alternative private loan, please complete all loan forms with your lending. Then complete and submit the Loan Request Form to our office.

Cranford Campus
1033 Springfield Avenue
Cranford, NJ 07016
(908) 709-7137
Fax: (909) 709-7018

Elizabeth Campus
40 W. Jersey Street
Elizabeth, NJ 07202
(908) 965-6062
Fax: (908) 965-2348

Plainfield Campus
232 East Second Street
Plainfield, NJ 07060
(908) 412-3571
Fax: (908) 754-2798


You will begin repaying your Federal Stafford Student Loans 6 months after you withdraw, drop below half time (6 credits) or graduate. Once you drop below half time or graduate, you will need to complete Exit Counseling to remind you of your rights and responsibilities as a borrower.

Exit Counseling is required under federal regulations. Please click on Exit Counseling below to complete your exit counseling on line. If you have questions or would like to speak with a financial aid officer, please contact our office.

Exit Counseling