New Jersey Ranks Ninth in Student Loan Debt, students average almost $30,000 some as high as $100,000. Our graduates are drowning in high interest rate HESSA loans ( 7.15%1 -/8.36%), and HESAA offers no refinancing or income based repayment like the Federal government.Students should be able to afford to live while paying back their loans. The N.J. State Legislature has 2 bills in committee for over a year.Bill S766 Requires HESSA to establish income-driven repayment option and loan rehabilitation program for borrowers under New Jersey College Loans to Assist State Students (NJCLASS) Loan Program. & Bill  A4084   Requires HESSA  to establish income-driven repayment option and loan rehabilitation program for borrowers under New Jersey College Loans to Assist State Students (NJCLASS) Loan Program. Contact your State representatives & demand they  act to bring fair relief and options to NJ graduates !