New Jersey P.L. 2021, c. 357, enacted on January 10, 2022, requires postsecondary institutions, such as The College of New Jersey (TCNJ), to provide graduating students with information on the total amount of federal as well as private loan amounts borrowed while enrolled at TCNJ. This website includes instructions on how to view your student loan debt amounts in PAWS as well as useful information on student loan repayment.

To view your outstanding loan amounts please log into PAWS and navigate to the Student Loan Indebtedness screen by following the navigation listed below:

Please note that your PAWS account will display any Federal Direct Loan or school certified Private loan amount(s) borrowed while enrolled at TCNJ.

The loan amounts are estimates only. Please contact your lender(s) or their loan servicer representatives for official totals. Additionally, the amounts shown only pertain to loans that The College of New Jersey certified. The amounts listed are general in nature and not meant as a guarantee or promise of the actual projected amount owed. Loan totals may encompass multiple loans, each of which has its own terms, conditions and interest rates.

The Federal loan totals do not include Parent PLUS Loans and your total loan amounts may be higher if you have additional loans not certified by The College of New Jersey.

To determine the payoff amount of your student loan(s), please contact your lender(s) or servicer(s):

• For Federal Student Loans: FSA ID | Your Account for Federal Student Aid  To find out the company that is the servicer of your federal student loans, please review the following: https://studentaid.gov/manage-loans/repayment/servicers

• For Private Loan Lenders that were certified by The College of New Jersey: Please Click Here for a list of TCNJ’s most popular loan lenders. If you do not see your lender’s contact information amongst these loan providers, please check your records for the Loan Origination Documents and/or Disclosures you received shortly after you had completed your private loan application.

To estimate your monthly payment amounts for the loans summarized in your PAWS account please view the helpful information below:

• Federal Loans – use the federal Loan Repayment Simulator; see also pages 21-23 of the Direct Loan Exit Counseling Guide (studentaid.gov)

• Private Loans – See the repayment tables on pages 28 -37 of New Jersey’s Student_Loan_Guide.pdf (hesaa.org); see also this student loan payment calculator: Student Loan Calculator (bankrate.com)

Lastly, if you are experiencing difficulties making your monthly loan payments many lenders offer assistance to make the payments more manageable. You can pay your student loan(s) based on a percentage of your income. These types of payment plans allow student loan borrowers to make monthly payments tailored to fit the amount of their take-home pay, with any remaining balance cancelled after a set number of years.

Please contact your lender or servicer directly for options available to you.