Grants, scholarships, loans, and work study are all different ways to help you pay for college.
Some aid you never have to repay, while others are loans that must be paid back after graduation. We'll break down each type so you can make informed choices about funding your education without taking on unnecessary debt.
Grants are financial aid awards that you do not have to repay. They’re typically based on financial need and can come from federal, state, or college sources. If you qualify, grants can significantly reduce your out-of-pocket expenses for tuition and other costs. The FAFSA is your first step to accessing most grant programs.
Federal Pell Grant – For undergraduate students with financial need.
Federal Supplemental Educational Opportunity Grant (FSEOG) – For students with exceptional need.
New Jersey Tuition Aid Grant (TAG) – For eligible NJ residents enrolled full-time at approved colleges.
NJ STARS – For NJ high school students who graduate in the top 15% of their class and attend a NJ community college.
Scholarships are awarded based on academic achievement, financial need, community service, leadership, or other personal characteristics. They can come from Atlantic Cape, private organizations, or your future transfer college. Many scholarships are open to current college students, not just high school seniors, so keep applying each year.
Atlantic Cape Foundation Scholarships
Phi Theta Kappa (PTK) Transfer Scholarships
External Private Scholarships – Search tools and expert tips available on our Scholarships page.
The Federal Work Study Program provides part-time jobs for eligible students, allowing you to earn money to help cover college expenses. You will work on campus or with an approved community partner, gaining valuable experience and building your resume while staying focused on your academic goals.
Learn More About the Work Study Program
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Student loans allow you to borrow money to pay for college, but they must be repaid with interest. Federal loans typically offer lower interest rates and more flexible repayment options than private loans. Borrow only what you need and make sure to understand your responsibilities before accepting any loan offer.
Federal Direct Subsidized Loans – Based on financial need; interest does not accrue while you're in school.
Federal Direct Unsubsidized Loans – Not need-based; interest begins accruing immediately.
Parent PLUS Loans – For parents of dependent undergraduate students.
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The Federal Work Study Program provides part-time jobs for eligible students, allowing you to earn money to help cover college expenses. You will work on campus or with an approved community partner, gaining valuable experience and building your resume while staying focused on your academic goals.
Post-9/11 GI Bill®, Chapter 33
Montgomery GI Bill®, Chapter 30
Vocational Rehabilitation (Chapter 31)
Survivors’ and Dependents’ Educational Assistance (Chapter 35)
NJ National Guard Tuition Waiver
In addition to traditional financial aid, you may be eligible for tuition waivers, employer tuition assistance, or special grants like the Community College Opportunity Grant. Some students receive support through workforce development programs or community-based scholarships. Explore every option available and talk to our Financial Aid Office to maximize the resources that can help you pay for college.
Tuition-Free College (CCOG)
The Community College Opportunity Grant (CCOG) covers tuition and approved fees for qualifying New Jersey residents attending community college. Eligibility is based on income and FAFSA or NJAFAA completion.
EOF (Educational Opportunity Fund)
EOF provides academic and financial support to eligible students from economically and educationally disadvantaged backgrounds. Services include grants, counseling, and tutoring.
NJ EOF website Atlantic Cape EOF
State Tuition Waivers for specific populations (e.g., unemployed, displaced workers)
New Jersey offers tuition waivers for qualified individuals, such as unemployed or displaced workers. These waivers cover the cost of courses that support career development and retraining.
Employer Tuition Reimbursement
Many employers offer tuition reimbursement programs to support continuing education. Check with your HR department to see if you qualify and how to apply for benefits.
