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NJ Student Loan Program Called “Predatory” and “Loansharking.”

RHS Grad

As New Jersey senators came down on the state’s college loan program, Financial Planners stress the importance of developing a strategy early.

August 23,2016
the staff of the Ridgewood blog

Ridgewood NJ, After an article in the New York Times that detailed one family’s nightmare in dealing with their son’s death and his student loans through the Higher Education Student Assistance Authority (HESAA), New Jersey State Senators heard testimony on the program, which some have called “predatory” and “loansharking.”

“My own experience was very similar even in 1980 student loans we a scam and students were not provided with proper accurate information to make a rational financial decisions” the Ridgewood blog Founder James Foytlin

Financial Planning Association of New Jersey (FPANJ) Advocacy Chairman John Crosby was also in attendance in Trenton. He has counseled clients in similarly tough situations with HESAA. The program has been characterized with extraordinarily stringent rules that can easily lead to financial hardship. Loan repayments cannot be adjusted based on income, and few breaks are given for unemployment or other hardship.

“While there were no representatives from HESAA present, a letter from Executive Director Gabrielle Charette was submitted for testimony. I’m happy to say that things will be forced to change,” Crosby said. The testimony led to a unanimous vote by the higher education committee to approve S-743, which would require HESAA to forgive the student loan of someone who dies before completely repaying it, as the federal government does.

The experience with HESAA for many families is in stark contrast to Francis Astorino’s. His diligence in planning for college with his family began early, especially as his triplets eyed college with another already enrolled. A CFP® and President of The Astorino Financial Group, he recalled the struggle to put himself through school, and didn’t want the same burden for his children. He said it still took a lot of discipline and sacrifice to fund college for his four children, and it had to be a family decision.

“We put our kids to work early as early teens, helping in the office. And at about 16 years of age we sat them down and showed them the file with their balance sheet,” Astorino said. “However nice it was to say we could send our kids anywhere, we wanted them to know we weren’t going to fund their lifestyle, because we thought it was important that they had some skin in the game.”

Crosby said, “The key takeaway I get from both of these stories is how incredibly important it is – whether or not you’ve planned early – to have a CFP® Professional there. It goes beyond building wealth…it really is about protecting your home, your family and your livelihood.”

ABOUT FPA of New Jersey and FPA:

Financial Planning Association of New Jersey is part of The Financial Planning Association® (FPA®). FPA connects those who need, support and deliver professional financial planning. FPA believes that everyone is entitled to objective advice from a competent, ethical financial planner to make smart financial decisions. FPA members demonstrate and support a professional commitment to education and a client-centered financial planning process. Working in alliance with academic leaders, legislative and regulatory bodies, financial services firms and consumer interest organizations, FPA is the community that fosters the value of financial planning, and advances the practice and profession of financial planning.

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WHAT Students Read Matters More Than You Think

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Daniel Lattier | February 9, 2016

In today’s standards-based education system, the main focus is on teaching skills rather than content. There’s a prevalent idea that it matters less what students read just so long as they are reading.

But according to E.D. Hirsch, professor emeritus of education and humanities at the University of Virginia, that’s bull.

Some of you may know Hirsch through his famous advocacy of “cultural literacy”—the idea that some amount of “shared, canonical knowledge is inherently necessary to a literate democracy,” and that students in a particular culture should have common exposure to certain texts and concepts.

https://www.intellectualtakeout.org/blog/what-students-read-matters-more-you-think

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Common Core: The End of Education

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The End of Education

Joseph Pearce | February 19, 2014

“The one thing that is never taught by any chance in the atmosphere of public schools,” wrote G. K. Chesterton, “is…that there is a whole truth of things, and that in knowing it and speaking it we are happy.”[1] Such words would be greeted with calculated coldness by the architects of the common core curriculum, who would no doubt respond with chilling indifference that there is no whole truth of things and therefore no meaningful happiness to be derived from it. Modernity never gets beyond Pontius Pilate’s famous question, quid est veritas, which is asked not in the spirit of philosophy as a question to be answered, but in the ennui of intellectual philandery as merely a rhetorical question that is intrinsically unanswerable. This intellectual philandery spawns numerous illegitimate children, each of which has its day as the dominant fad of educationists, at least until a new intellectual fad replaces it. It is in the nature of fads to fade but in the brief period in which they find themselves in the fashionable limelight they can cause a great deal of damage, a fact that Chesterton addressed with customary adroitness in 1910, over a century ago:

The trouble in too many of our modern schools is that the State, being controlled so specially by the few, allows cranks[2] and experiments to go straight to the schoolroom when they have never passed through the Parliament, the public house, the private house, the church, or the marketplace.

Obviously it ought to be the oldest things that are taught to the youngest people; the assured and experienced truths that are put first to the baby. But in a school today the baby has to submit to a system that is younger than himself. The flopping infant of four actually has more experience and has weathered the world longer than the dogma to which he is made to submit.

Many a school boasts of having the latest ideas in education, when it has not even the first idea; for the first idea is that even innocence, divine as it is, may learn something from experience.[3]

https://www.intellectualtakeout.org/blog/end-education

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Ridgewood Preps for Back to School

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August 21,2016

the staff of the Ridgewood blog

Ridgewod NJ, Ridgewood schools are prepping for back to school .

Annual Re-registration is Underway
The annual online Skyward re-registration is open. Parents and guardians, to update your information, please log on to Skyward Family Access via the district website at www.ridgewood.k12.nj.us. Click here for details.

School Starts on September 6
Students will return to school on Tuesday, September 6 (minimum day schedule). Opening Day for teachers and support staff is Thursday, September 1.

Back-to-School Night Schedule
Click here to view the schedule.

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Ridgewood’s Benjamin Franklin Middle School Goes Solar

BF Solar
August 19,2016

the staff of the Ridgewood blog

Ridgewood NJ, The solar panels were approved by the Board of Education in 2015, and were supposed to be erected last summer, but were pushed back for various reason to this summer.

According to the Ridgewood Board of Education ,Eight Ridgewood schools have been receiving a portion of their electricity from solar power since late 2012/early 2013 ; • Ridgewood High • BF Middle • Glen • Hawes • Orchard • Ridge • Somerville • Travell •

Total installed solar capacity of 841 kW • 2014 solar energy production of ~875,000 kWh • 2014 savings from using solar energy ~$70,000

BF Middle School will add • 329.4 kW Carport Mounted System • $0.125/kWh year 1 PPA Price with a 3% Escalator • Year 1 Savings ~$18,000 • 15-Year Savings Potential >$275,000

Information was pulled from March 25,2015 presentation from Verterra :https://www.ridgewood.k12.nj.us/modules/groups/homepagefiles/cms/923620/File/solar/Verterra%20Solar%20-%20Phase%20II%20Presentation.pdf?7fcb75&d7f070&d7f070

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Ridgewood Police Arrest three adults and one juvenile on Orchard School property

Ridgewood _police_theridgewoodblog

file photo by Boyd Loving

August 19,2016

the staff of the Ridgewood blog

Ridgewood NJ, Ridgewood police report that on 08/09/16 ,Sgt. Finch arrested John A. Dougherty the 4th, age 18 of Ridgewood, N.J., Colin H. Parr, age 19 of Ridgewood, N.J., Kihyun Lee, age 18 of Ridgewood, N.J., and a male juvenile .

Sgt. Finch located the above persons on Orchard School property during the evening hours. The three adults and one juvenile were found to be in possession of C.D.S. and Drug Paraphernalia. All were transported to police headquarters for processing. The juvenile was released to the custody of parent with a pending juvenile complaint. The three adults were processed, served with complaint summonses, advised of the pending court date and released.

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Ridgewood High School Vandalism Captured on Video

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August 19,2016

the staff of the Ridgewood blog

Ridgewood NJ, According to the Ridgewood police ,on 8/11/16 the staff at Ridgewood High School found a large amount of damage within the High School. Patrol units and the detective bureau responded to investigate the incident. The security video captured juveniles committing burglary by entering the school during the overnight hours and then commit criminal mischief and thefts within the building. The detective bureau is investigating the incident.

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No place for cursive writing in today’s digital world | Editorial

Dunce-cap

By Times of Trenton Editorial Board
on August 17, 2016 at 6:08 AM, updated August 17, 2016 at 10:18 AM

If the words on this page were written in cursive, chances are few people under the age of 18 could read them.

That’s not a lament – just an observation. The dependency on computers, email and texting for communicating has rendered what we used to call “script” all but obsolete.

In the not-too-distant past – say, 2004 or so – New Jersey’s third graders were required to “write legibly in manuscript or cursive to meet district standards.”

That requirement has gone the way of the floppy disc, photographic film and cassette tapes.

But now two state lawmakers are pushing a bill that would force every school district to teach reading and writing in cursive as part of the elementary school curriculum.

https://www.nj.com/opinion/index.ssf/2016/08/theres_no_place_for_fancy_writing_in_todays_digita.html

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Readers Not Buying into Full-Day Kindergarten

kinopoisk
August 16,2016
the staff of the Ridgewood

Ridgewood NJ, readers say ,”No full-day kindergarten. We have many user-paid options without getting taxpayers involved” and other accuse the BOE of ,”BOE’s ambition will single-handedly drive everyone without schoolchildren at home out of town. Too bad if they had pressure from parents. This is unacceptable. Most referendums do pass, so tell your friends to vote no. Since it will be on a ballot for the Presidency, voter turnout will be higher than for other elections, although still a paltry and pathetic number. As always, every vote counts.”

The Ridgewood Blog has included the Ridgewood Board of Educations FAQ: Shifting to a Full-Day Kindergarten Program in Ridgewood .
We see almost no mention of the value to students and or whether it is even appropriate for the Village other than ,”the everyone else is doing it” ,”more time in school” .

● Why is the District considering a full-day program after years of a successful half-day program?

○ The definition of success has shifted with the times, and although Ridgewood has a high-quality Kindergarten program, it is rushed and lacks adequate time for structured socialization and free play. Students who encounter more structured play around learning will better internalize that learning because at this age, play is how children learn. Additionally, social skills such as executive functioning and self-regulation of behavior are learned through play, often which is unstructured. A half-day program does not allow time for these essential learning opportunities for our students.

● How will the curriculum of a full-day program differ from that of the half-day program?

○ A full-time program will include more time for learning centers, which are essentially structured play experiences designed to reinforce conceptual learning. Additionally, more time will be dedicated to free-play centers, in which students make up rules to self-created games and make-believe. This free-play socialization will be supervised by, not structured by, adults. Another change to the day is that students will remain in school for lunch and will have snack and extended time for key content such as shared reading and writing.

● What would be the daily schedule and hours of a full-day program? ○ Kindergarten will run on the same schedule as the other grades in the school (8:30 a.m. – 3 p.m.). A daily schedule for the full-day program was shared with the Board of Education and the public at the June 28, 2016 Board meeting. That presentation can be found in the Board of Education Presentations folder on the Curriculum page of the district website at www.ridgewood.k12.nj.us.

● How many other districts still have half-day Kindergarten programs? ○ Ridgewood is the only half-day program left in Bergen County. There are very few districts left in the state with a half-day program. The most common Kindergarten programs offer five full-days of school.

■ Those districts which were half-day have mostly moved to full-day programs in the last five years.

● In 2014, 73% of programs statewide were full-day. The percentage was even higher in Bergen County, where 65 out of 72 districts (about 90%) offered full day programs. Since 2014, Glen Rock, Fairlawn, Rutherford, Mahwah, Waldwick and Midland Park have moved to full-day.

● Currently, Ramsey offers a kindergarten enrichment extended day program and both Allendale and Wyckoff offer a modified half/full day program with two half-days in combination with three full days, but this model is also not very popular.

● Would parents be required to enroll their children for the entire day if Ridgewood moved to full-day Kindergarten?

○ Yes, if the Ridgewood Public School district shifts to a full-day Kindergarten program, all enrolled students will be registered for 5 full days each week.

● Where will Kindergarten children eat lunch? ○ This will be a building-by-building decision, based on space and what the principal deems best for the program in their building.

● Will Kindergarten students have recess with all other students and how will their recess be supervised? ○ Kindergarten students would have more than one “recess” play time in their schedule. The schedule, location, and supervision of that recess would depend on individual building schedules. However, in all buildings the recess/lunch period of 45 minutes would be extended to one hour for Kindergarten students. Classroom teachers would supervise the additional 15 minutes at the end of recess to settle students down and prepare them for afternoon learning sessions.

● What are the anticipated class sizes for a full-day program?

○ The Ridgewood Board of Education guidelines for Kindergarten are 22 children per classroom.

● How will the decision be made to move to full-day Kindergarten in Ridgewood?

○ On Election Day, Tuesday, November 8, Ridgewood voters will be asked to approve full-day K in the District. This vote will be done in the form of a “second question” on the ballot. All residents who are registered voters may participate. Voter registration forms may be found at on the Bergen Count website at https://www.co.bergen.nj.us/DocumentCenter/View/1224.

● What is the purpose of a second question on a ballot?

○ A second question can only be placed on the ballot when a school district is asking for something new, such as full-day Kindergarten or a new program. Since the costs of these additional services and associated personnel can exceed the state-imposed 2% cap on budget increases, the public must vote on them.

● What would be the tax impact on a “yes” vote for the second question on full-day Kindergarten?

○ The average Village assessed home of $693,904 would have taxes increase by approximately $111 if FDK were passed.

● Is there any possibility that the State will require Districts to provide full-day Kindergarten?

○ This is not known at this time.

● Where can I go for more information on Full-Day K in Ridgewood?

○ Full-Day K information may be found on the Curriculum page of the District website at www.ridgewood.k12.nj.us.

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Ridgewood Board of Education Meeting August 29,2016 at 5pm

REA Members come out to greet our Board of Ed

BOE Meets on August 29 at 5 p.m.
Ridgewood NJ, The Ridgewood Board of Education will hold a Regular Public Meeting on Monday, August 29, 2016 at 5:00 p.m. The meeting will be held in the Board Room at the Education Center, 49 Cottage Place. The public is invited to attend the meeting or view it live via the district website at www.ridgewood.k12.nj.us using the “Live BOE Meeting” tab on the district website, or on Fios tv channel 33 or Optimum 77.

Click here to view the agenda and addendum for the July 18, 2016  Regular Public Meeting.

Click here to view the minutes of the June 28, 2016 Regular Public Meeting.

Click here to view the 2016-2017 Budget presented at the May 2, 2016 Regular Public Meeting.

Click here to view the Full Day Kindergarten Recommendation presented to the Board at their March 7, 2016 Regular Public Meeting.

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Ridgewood “On Nov 8th, Say NO to full day K.”

"On Nov 8th, Say NO to full day K

August 14,2016

the staff of the Ridgewood

Ridgewood NJ, a new event has been launched via Facebook, “On Nov 8th, Say NO to full day K.” encouraging voters to reject the Full Day Kindergarten .

“Ridgewood schools have over 100 Million $ ANNUAL budget. They can raise the taxes upto 2% without your vote, without your agreement. The Board of Ed has to put a question on November ballot and ask the tax payers only if they have to raise the taxes by more than 2%.
If they cannot accommodate full day K with 2 Million ANNUAL increase, please don’t approve full day K.
Vote “NO” for the Full-day-K question in November. Don’t give them the power to increase our taxes above and beyond 2% which they can do without our vote.
Once it’s increase, every year they can add 2% on TOP of that, without your approval.
On Nov 8th, Say NO to full day K. – Vote NO on question 2.”

https://www.facebook.com/On-Nov-8th-Say-NO-to-full-day-K-284454918579804/

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Your Zip Code Should Not Determine Your Success in New Jersey

kids- ArtChick

file photo by ArtChick

August 14,2016

the staff of the Ridgewood blog

Ridgewood NJ, the Franklin Center, a non-profit, public-interest media and public policy organization invited the Ridgewood blog to attend  their “Amplify School Choice” conference in Denver.

The conference took place all day Thursday, August 11 through noon on Friday, August 12 at the SpringHill Suites in downtown Denver. Over 50 of America’s top bloggers and citizen journalists attended the event .

While we are advantaged with quality schools in Ridgewood , it is simply not true for so many parents and so many young people in New Jersey . We have all read about chronically under preforming schools  all over New Jersey . The reality is your zip determines your educational opportunities and success.

The fact is urban education, despite 30 years of New Jersey Supreme Court required intervention by the state, is still failing students and their parents at an alarming rate.  The theory from the Supreme Court was that money would solve the problem.

“But as we have all become aware is , “The Abbott school experiment is a colossal failure because it is based on the theory that throwing money at a problem fixes it. Problems facing urban schools are cultural and socio-economic. When people in power face up to that, we can make progress.
There’s not a lot of political profiles in courage because it is easier to toss tax money or make excuses than to say until underlying causes are dealt with, it won’t get any better, just more expensive with more kids’ lives wasted. A few politicians do get it.  (Ingle, Gannett)
https://www.app.com/article/20110821/NJCOLUMNIST06/308210033/-1/NJCOLUMNIST/BOB-INGLE-Nutter-delivers-a-message-to-youth

Not only have the policy been a abysmal failure but the cost to non “Abbott School” tax payers has been astronomical.

Governor Chris Christie pointed out recently the , ” New Jersey spends the 3rd most in the nation per pupil on K-12 education.  For the upcoming fiscal year we spend 13.3 billion dollars on aid to K-12 education.  How do we spend it?  $9.1 billion goes back to school districts in direct aid.  $3.25 billion is to pay for the pensions and health benefits for retired teachers.   $936 million goes to pay the debt on schools, mostly in urban districts, to build new schools.  $13.3 billion—and that does not count the money paid in local property taxes.

Who gets the $9.1 billion? Well, that begins to tell the story.  By order of the Supreme Court, and coerced acquiescence by the elected branches of government, this coming year $5.1 billion goes to the 31 urban or SDA districts.  $4 billion goes to the remaining 546 districts.  That’s right.  58% of the aid from the state’s taxpayers goes to 5% of the state’s school districts. 42% of the aid goes to the remaining 95% of our districts. This is absurd.  This is unfair.  This is not working.  And it hasn’t been working for 30 years.”

This is why Govenour Chris Christie has proposed giving all school districts same amount of aid, and provide some towns like Ridgewood property tax relief.

It is clearly time for some new ideas , and new student centered education policies . Here are a few we discussed at  the  “Amplify School Choice” conference in Denver.

School choice: a wide array of programs offering students and their families alternatives to publicly provided schools, to which students are generally assigned by the location of their family residence.

Open Enrollment : the process by which parents/guardians residing in a district may enroll their children into any school district in New Jersey.

Charter Schools:  a publicly funded independent school established by teachers, parents, or community groups under the terms of a charter with a local or national authority.

Home Schooling : A “must read” for new homeschoolers! In New Jersey, the Legislature under the compulsory education law (N.J.S.A. 18A:38-25) has permitted children to receive “equivalent instruction elsewhere than at school,” including the home.

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Reader says Ridgewood probably did not participate in Newsweek School Rankings because they knew they would rank poorly

Tradition_of_excellence_theridgewoodblog

Ridgewood probably did not participate because they knew they would rank poorly.
.
Face it – RW schools have dropped significantly in quality.
.
RW is a “good,and solid” school, but not a “great” school anymore.
There is too much “social engineering” bloat in the school curriculum and too many tutors in the home.
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The only reason that the students do as well as they do is because the parents instill the value of education in their children and hire tutors to support their children when the school system falls short and fails them.
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Also RW parents and students are savvy enough to build an attractive “portfolio” of the correct types of extra-curricular activities, sports and “community outreach” activities as well as building a positive social media profile in order to get accepted into one of the “right” colleges.
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RW Schools reputations are resting on the work of the parents and students… It used to be the other way around

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Reader says The county poaches all the best students for an elite education , time for vouchers for all kids

RHS_BEST_theridgewoodblog

The county poaches all the best students for an elite education, stripping the local district, charging the sending district and the county taxpayers for the education. If a student and family wants an elite school for their kids, let them pay for it – full boat. Otherwise, vouchers for all kids. It’s a scam the county has played since the late school power broker John Grieco concocted. You may want to notice that they have no mandate to accept any special needs students like the local district – just an observation.

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Newsweek releases its 2016 Rankings of Nation’s Best Public High Schools

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August 12,2016
the staff of the Ridgewood blog

Ridgewood NJ, in Newsweek’s annual ranking of public high schools 51 in N.J. made the cut. Noticeable absent was Ridgewood High School and Tenafly High School.

Ridgewood’s slip has not gone unnoticed, as many long time residents have commented ,” Years ago it was ranked highly in the nation.  It fell from that to being ranked highly in the state, then down to County level and now basically is ranked no where. ”

Newsweek looked at six measurements and weighted them to come up with a “college readiness index.” The rankings are meant to show how well high schools do at preparing students for college.

Those measurements and their weight are:

Holding power: 10 percent
Ratio of counselor/full-time equivalent to student enrollment: 10 percent
Weighted SAT/ACT: 17.5 percent
Weighted AP/IB/dual enrollment composite: 17.5 percent
Graduation rate: 20 percent
College enrollment rate: 25 percent

Here’s a look at all of the New Jersey high schools that made Newsweek’s list and where they came in on the national list (in parentheses):

(2) Academy for Math, Science and Engineering, Rockaway
(4) Union County Magnet High School, Scotch Plains
(10) Middlesex Cty Acad. for Sci,, Math, & Engineering Tech., Edison
(11) Bergen County Academies, Hackensack
(12) Academy of Allied Health and Science, Neptune
(14) Biotechnology High School, Freehold
(20) High Technology High School, Lincroft
(21) Academy for Allied Health Sciences, Scotch Plains
(23) Academy for Information Technology, Scotch Plains
(27) Communications High School, Wall
(31) Middlesex County Academy for Allied Health & Biomedical Sciences, Woodbridge
(40) Chatham High School, Chatham
(41) Bergen County Technical High School – Teterboro, Teterboro
(67) Westfield High School, Westfield
(71) Ridge High School, Basking Ridge
(76) Summit High School, Summit
(84) Marine Academy of Technology and Environmental Science, Manahawkin
(88) Bernards High School, Bernardsville
(91) Holmdel High School, Holmdel
(108) Bridgewater-Raritan Regional High School, Bridgewater
(112) Moorestown High School, Moorestown
(115) Madison High School, Madison
(127) John P Stevens High School, Edison
(131) Watchung Hills Regional High School, Warren
(137) Glen Rock High School, Glen Rock
(144) Rumson-Fair Haven Regional HS, Rumson
(158) Morris County School of Technology, Denville
(181) Marine Academy of Science and Technology, Highlands
(189) Union County Vocational Technical High School, Scotch Plains
(192) Governor Livingston High School, Berkeley Heights
(198) Montville Township High School, Montville
(203) Academy for Performing Arts, Scotch Plains
(210) Scotch Plains-Fanwood High School, Scotch Plains
(217) Hillsborough High School, Hillsborough
(222 Wayne Hills High School, Wayne
(226) Allentown High School, Allentown
(227) Northern Valley Regional High School Old Tappan, Old Tappan
(233) North Hunterdon-Voorhees, Annandale
(234) Northern Valley Regional High School at Demarest, Demarest
(237) Pequannock Township High School, Pompton Plains
(365) Hanover Park High School, East Hanover
(366) Mahwah High School, Mahwah
(377) Cranford High School, Cranford
(383) Livingston High School, Livingston
(417) Wayne Valley High School, Wayne
(421) Marlboro High School, Marlboro
(425) Cresskill High School, Cresskill
(429) Whippany Park High School, Whippany
(473) Kinnelon High School, Kinnelon
(482) Mount Olive High School, Flanders
(497) Middletown HS South, Middletown

https://www.newsweek.com/high-schools/americas-top-high-schools-2016