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Ways to Apply for a Student Loan

RHS 2017

the staff of the Ridgewood blog

Ridgewood NJ, You’ve just cleared high school and are looking into joining college. You’ve be told about taking a student loan, and since your parents credit is incredibly awful, your only option is to take it in your name.

So you did what lots of other students do when looking out for a loan – visit the government student loan site. But since the site doesn’t break the process into simple, easy-to-understand chunks, you end up getting confused. In which case, you found it hard understanding the terms used, the kind of loans being offered and how best you can access them or if there’s some other place you should visit to get the loan.

Well, don’t fret – this post covers all the possible ways you can access a student loan.

Look at the Possibility of Going to School without a Student Loan

A student loan is NOT free money, but a loan you’ll be required to pay after you graduate—and with an interest of course. So if there’s remotely a chance that you can still foot your school fees and your upkeep without relying on loans, then go for it.

For US based students, you have the option to access Pell Grant through FAFSA. Read this bearing in mind that grants don’t require you to pay back.

Also try looking at the possibility of securing a scholarship or securing a part time job to help you out.

Lastly, you might want to settle for a school with the lowest tuition fee. Do this and some time in future when your friends and family will be struggling with repaying their student loans, you’ll be looking back and thanking yourself for the decision you made.

But if you really must take a loan, here are a number of ways to apply for them:

Applying for a Private Student or Federal Loan

The application process to follow will vary depending on the type of student loan you wish to apply

Application Process for Federal Student Loan

To apply for a federal loan, you have to start by filling out the Free Application for Student Aid (FASFA) form. This form can be downloaded at Once filled, the form should be sent back to FASFA for evaluation.

Here’s a number of things to keep in mind while filling out the form:

  • Filling the form is absolutely free. You’ll NOT be charged for downloading and submitting the form.
  • You’ll be required to complete a FASFA form every year you apply for a loan.
  • Make a point to get the form as early as possible (starting from October 1st) to increase the chances of getting the loan.

Application Process for a Private Student Loan

Private student loans are mostly offered by banks, financial institutions, or a Mammoth Investor. Which is to say, you’ll be applying for it directly to the lender.

Instructions on how to apply for the loan:

  • Start by visiting the bank’s site and learn more about the loan. Check out for their interest rates, their repayment options and the highlighted benefits associated with the loan.
  • If satisfied, go ahead and fill out the application form. The instruction to follow should be provided on site, so no need to worry on how to go about it.

You’ll also be required to choose a repayment option that best suits you and the type of interest you’re most comfortable with.

  • You may be asked to include a cosigner. Don’t hesitate to add one as this increases your chances of being awarded the loan.
  • Lastly, the lender will go ahead and check your credit score and later on getting back to you with the decision they’d have made.

Getting a loan shouldn’t be that much of a tough task. If anything, there exist several avenues to access one. So if one fails, just knuckle up and check out for the next available option.

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Super Science Saturday: March 2 at Ridgewood High School


the staff of the Ridgewood blog

Ridgewood NJ, Super Science Saturday, hailed as the “Greatest Science Extravaganza in Northern New Jersey,” brings fun and excitement to science through professional presenters and student projects. As a joint project of the Ridgewood Board of Education and the Super Science Saturday Volunteer Committee, we aim to bring all science lovers together for a day of fun and learning for all ages.

In an effort to make Super Science Saturday an even better experience, we have changed venues to Ridgewood High School, giving more space for student presenters in our “Hall of Science.” Our adult presenters will also have generous space throughout hallways, the Cafeteria, and the Campus Center.

Super Science Saturday will appeal to everyone from the casual observer to the aspiring scientists. Most of all, we hope to spark an interest in science among children, showing them the wonders of science. Through interactive exhibits such as a wheelchair maze, live animals, and demonstrations of chocolate making to more complex brain wiring demonstrations, Super Science Saturday will satisfy the scientific appetite of everyone.

We encourage everyone to join the fun! Check out our volunteer page to learn about getting involved. This day cannot happen without the support of dedicated volunteers. Sign up now and make this Super Science Saturday one to remember.

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RHS Alumni Association Commemorative Holiday Brick Sale

the staff of the Ridgewood blog 

Ridgewood NJ, The Ridgewood High School Alumni Association (RHSAA) is officially accepting orders for this year’s Spring 2019 installation.  We have already received many orders memorializing family members, declaring gratitude towards RHS teachers and coaches, and commemorating significant milestones and reunions.
These commemorative bricks make the perfect holiday gift for an RHS alum or soon-to-be graduate.  All orders placed before March 5, 2019 will be installed prior to Graduation 2019.  

Orders can be placed at   If you would like to learn more about this project, we invite you to enjoy our video:  

Ridgewood High School Alumni Association wishes you and your family all the best during this holiday season. Thank you for your continued support of the Ridgewood High School Alumni Association!
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State Bill to Require School Districts to Adopt Nepotism Policies Clears Committee


the staff of the Ridgewood blog

Trenton NJ, Legislation sponsored by Senator Joseph Lagana which would require school districts and charter schools to adopt nepotism policies cleared the Senate Education Committee today.

“We must ensure that our school districts are hiring the most qualified people for the job, without allowing personal relations to taint their judgment,” said Senator Lagana (D-Bergen/Passaic). “All hirings should involve a competitive application process and end with the hiring of the best possible candidate.”

The bill, S-2637, would direct boards of education of school districts and county vocational school districts to adopt and implement a nepotism policy. The adoption of such a policy would be required to receive state aid. At minimum, the policy would have to include the provisions outlined in the bill.

The bill would also direct the board of trustees of a charter school to adopt and implement a nepotism policy, incorporating the provisions outlined in the bill.

The policy would apply to relatives of school board members, chief school administrators, school business administrators, school board attorneys and directors of personnel.

A school district or county vocational district could exclude per diem substitutes and student employees from its nepotism policy.

The bill was released from committee by a vote of 3-0, and next heads to the full Senate for further consideration.

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Reader says ,”School will focus on education and the parents should focus on the child’s deviant behavior”

Ridgewood Police at RHS

file photo by Boyd Loving

Unfortunate that it happened at school. RHS is not responsible, the student is. RHS did not raise this child. I take responsibility for my children. They are wonderful kids and I raised them well. The district educated them as per state guidelines.
Shameful behavior and deserves to be addressed by school in some manner. School will focus on education and the parents should focus on the child’s deviant behavior. Vandalism is a crime and child should be turned over when she is identified.

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Ridgewood Superintendent Comments on Swastika and Star of David Graffiti Found at Ridgewood High School


December 4, 2018

Dear Ridgewood Public Schools Parents, Guardians and Staff:

On Monday evening I was informed by Ridgewood High School Principal Dr. Thomas Gorman that last night a swastika and Star of David graffiti were found on the school campus. These symbols were carved in a stall in the girls’ bathroom. The incident was immediately reported to the Ridgewood Police Department and is being investigated at this time.

This incident is highly shocking and disturbing. While it seems to follow a copycat pattern of recent instances of swastikas found on the campuses of other schools in our Bergen County area, in no way does the repeat nature of this episode at one of our schools diminish the egregious behavior of the person or persons who committed this act, nor the seriousness with which our police and my administration are approaching the investigation and follow-up.

Please know that incidents of this nature cannot, and will not, be tolerated in the Ridgewood Public Schools. Our district’s zero tolerance policy for actions of bias is equally important to our proactive mission of promoting a culture of wholeness and communal well-being in our schools. We work very hard in all of our schools, every day, to promote a climate of respect for the dignity of all human beings regardless of race, religion, or creed. We can take pride in the many programs we have in place to help with that goal. This incident reinforces the need for such programs and the determination to succeed all the more. In this case, I am proud to say that it was a student who discovered the graffiti — which was small in size and not easily visible — and reported it.

Perhaps you will find an opportunity for family dialogue on this topic, including the importance of standing up for zero tolerance. I encourage you to speak with your children and to reach out to your school principal or to me with any specific areas of concern.

I will continue to share with you any relevant update from the Ridgewood Police Department as I am able, within the normal constraints of the investigation and privacy laws.

Sincerely yours,

Daniel Fishbein, Ed.D.
Superintendent of Schools

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Ridgewood falls to Piscataway at MetLife Stadium

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the staff of the Ridgewood blog

Ridgewood NJ, the Ridgewood Maroons fell short in their effort to take down undefeated Piscataway. In a FINAL at the North Jersey Group 5 Bowl Game at MetLife Stadium on Saturday morning Piscataway 31 Ridgewood 21. Ridgewood scoring Will Cardew 26 yard TD run, McDermott 27 yard pass TD catch James Miller 2 pt conversion & James Hogan 1 PAT .

Ridgewood Senior Running Back Will Cardew has now passed Brian Mercer (2004) as the single season all time rushing leader at Ridgewood High School.

Ridgewood Football ended the 2018 season as New Jersey North 1 Group V State Champions with an Overall 10-3 / Division 6-0 vs TOUGHEST public school schedule in New Jersey and NJSFC Liberty Red Division Champ.

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Parent claims kids can and do surf porn using Ridgewood school issued Chrome Books during classes

the staff of the Ridgewood blog

Ridgewood NJ, In case you missed it, the parent of a 9-year old addressed BOE members during the public comment portion of Monday evening’s meeting and revealed that her son and one of his classmates were, and still are, able to surf porn and other “age inappropriate” videos using their school issued Chrome Books, via the school’s WiFi network, and during school hours.

Continue reading Parent claims kids can and do surf porn using Ridgewood school issued Chrome Books during classes

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RHS DECA is selling Krispy Kreme doughnuts as a fundraiser deadline to order is Friday, November 30

the staff of the Ridgewood blog

Ridgewood NJ, Opportunity for support: RHS DECA is selling Krispy Kreme doughnuts as a fundraiser for their chapter. The deadline to order is Friday, November 30 at 10 p.m. Krispy Kreme will be available for pick up at RHS from 3-5 p.m. on Friday, December 7 or they can be delivered later that day to your house. Doughnuts are sold in dozens and are all one kind (original and flavored options available and detailed in the form). 🍩🍩 Original glazed are $10 per dozen and the flavored doughnuts are $12 per dozen. Payment can be in the form or cash or check (made payable to: RHS Association DECA) and dropped off or mailed to RHS (RHS DECA, Attn: Mrs. Mendez, 627 E Ridgewood Ave, Ridgewood, NJ 07450). These details are also provided in this Google Form link.

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RHS football Pulls Off a Huge Win Over Montclair 27-7

photo by Village of Ridgewood Mayor Ramon Hache

the staff of the Ridgewood blog

Ridgewood NJ, Congratulations to the RHS football team on a huge playoff win over Montclair 27-7. Ridgewood football is the 2018 Group 5 North 1 New Jersey Sectional State Champion! 2nd State Championship in the last 3 years!

One year later, second-seeded Ridgewood had its shot at revenge over last years loss on that same field . Ridgewood took advantage of the second chance toppling top-seeded Montclair, 27-7,