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Financial Aid

Education after high school costs time, money, and effort. It’s 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.

About 67 percent of Ramapo’s students receive more than $40 million in aid. This aid includes grants – funds which the students are awarded but don’t have to pay back – and loans, which must be repaid. Students also can receive a work-study job to earn money to help pay for school.

Schedule an Appointment & Pandemic Hardship

The Office of Financial Aid is now scheduling appointments for students who need to conduct business in person.  Appointments can be made through email at or through our chat located on our website. In person appointments are available Monday through Thursday from 8am to 5pm. However, we are confident that most questions can be handled without in-person visits via a phone call, a Webex meeting or email.

If you or your family is experiencing financial hardships due to the COVID-19 pandemic please email or call the Office of Financial Aid so we can discussion your situation and the possibility of a re-evaluation of your financial aid award.

Financial Aid Information for:

First-year and Transfer Students

Current Undergraduate Student

Graduate Students

Veterans & Military Families


Important Resources & Information

Important Notice for NJ Residents Applying for Financial Aid

NJ Residents:

On the 2022-2023 FAFSA on the web confirmation page, you MUST select the “optional feature” link to apply for NJ State based Financial Aid in order to be considered for NJ State Aid (TAG, etc.) from the Higher Education Student Assistance Authority (HESAA).

If you did not select the optional feature to apply for State aid on the FAFSA on the web confirmation page, you should go to 3-5 business days after submitting your FAFSA online. From there, you should select the link “Report Additional Information for State Aid.”  You will be able to create a login to the state system to provide the additional information they need directly online.

Accepting Your Loans

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

Log into Ramapo College Self-Service with your Ramapo Email username and password

  1. Select “Student Services & Financial Aid” and “Financial Aid
  2. Select “My Award Information” and “Award by Aid Year
  3. Choose Award Year 2022-2023
  4. Select “Accept Award Offer” tab

The Award Overview tab is a summary of your financial aid package.  The Terms and Conditions tab provides you with important information about your awards.  The “Accept Award Offer” tab is where you must choose to accept or decline your loans.

Other Important Information:

NJ Residents make sure that you complete the required additional state questions no later than September 15.

To provide this information online, you must create a login to HESAA’s NEW student information system, NJFAMS to do this:

  1. Go to  If you do not yet have a user name and password to NJFAMS, you will be able to create one.
  2. Click the “create a student login” link to create your user name and password to the NEW system.
  3. Once logged into NJFAMS you can view any outstanding tasks that require your attention to complete your record.

Other helpful links


Contact Information

Office of Financial Aid

Phone: (201) 684-7549 | Fax: (201) 684-7085
Location: E-210 (Academic Building)

Hours of Operation

Academic Year: Monday- Friday; 8:30 AM – 4:30 PM (Open every 3rd Monday until 6:00 PM; except in May & December)
Summer: Monday-Thursday 8:00 AM – 5:15 PM Fridays CLOSED

Financial Aid Office Contacts

F. Shawn O’Neill
Director of Financial Aid
Phone: 201-684-7550
Office: E-210A

Jonathan Belle
Associate Director Financial Aid
Phone: (201) 684-7255
Office: E-208

Tancy Nunez
Assistant Director Financial Aid
Phone: (201) 684-7242
Office: E-207

Chrisanne McGarvey
Assistant Director / Systems Manager
Phone: (201) 684-7548
Office: E208

Gina Toriello
Data Assistant / VA School Certification Offic
Phone: (201) 684-7252
Office: E-209

Sussy Teijeiro-Ferraz
Financial Aid Counselor
Phone: (201) 684-7552
Office: E-218B

Stephanie Pignatelli
Financial Aid Counselor
Phone: (201) 684-7551
Office: E-218C

Julia Pezzimenti
Financial Aid Assistant - PTB 12 mo
Phone: (201) 684-7549
Office: E-210