<p>NJClass loans are fine but they should be used as a substitute for parent PLUS loans, not to supplement Staffords. Also, NJClass loans can be used by any NJ student attending a college out of state as well as in-state; but they are subject to credit rating and are getting harder to obtain. A student who has already borrowed Staffords will not be likely to be able to borrow much more on NJCLass without a parent-cosigner.</p>