Garden State
Science and Technology Institute
For-profit College in Jersey City, NJ.
- ✓ 3-year loan default 0.0% — below national benchmark
Academics
No six-year graduation rate is reported for this institution, which is common for schools whose students are mostly part-time, transfer in, or enroll in short programs that the federal cohort measure does not track. Its absence is not itself a bad sign, but it does remove the clearest completion signal. 64% of full-time first-years come back for year two, so about one in three are gone before sophomore year. A 30:1 ratio means students need to be deliberate about getting faculty time. This is a for-profit short-program school. That is not disqualifying, but it does mean verifying accreditation, transferability of credits, and job-placement claims directly rather than trusting the category.
Financial Aid
IPEDS Student Financial Aid · 2023-24 · grant and loan rates against 1,044 degree- or certificate-seeking undergraduates
Average net price after grant aid is $25,527 a year — mid-range for a four-year institution. The gap between the $0–30k and $110k+ bands is narrow ($25,452 versus $24,448), meaning aid is not strongly need-weighted. About 78% get grants averaging $4,814, so plan on the possibility of paying closer to full price. 61% of students borrow federally, so debt is the norm rather than the exception.
Entering first-year students
A different, smaller group than the rates above: full-time students in their first year of college anywhere. The grant series here also excludes the "other sources" counted in the all-undergraduate figure, so the two are not comparable.
IPEDS Student Financial Aid · 2023-24 · 393 students
Net price by family income
The same students as the headline above, limited to those who received Title IV federal aid — a narrower group, with a lower overall average. IPEDS publishes no combined figure across these bands, so they should not be averaged into one.
| Family income band | Average net price |
|---|---|
| $0–30k | $25,452 |
| $30–48k | $26,456 |
| $48–75k | $25,281 |
| $75–110k | $26,695 |
| $110k+ | $24,448 |
IPEDS Student Financial Aid · 2023-24
Federal student loans went to 632 of these 1,044 students, totalling $5,134,010 — an average of $8,123 each.
IPEDS Student Financial Aid · 2023-24
Local housing costs
Typical rents near campus (Hudson County) — budget these against any cost-of-attendance housing estimate.
HUD Fair Market Rents (40th-percentile gross rent incl. utilities) · FY2026