10 Cheapest and Most Affordable Colleges in New Jersey

New Jersey offers some excellent options if you want to earn a degree without drowning in student debt. The state has a solid higher education system, with a mix of public universities, private colleges, and community colleges that deliver strong academic programs without sky-high tuition.

In a region known for expensive schools, New Jersey stands out by offering financial aid programs like NJ STARS and the Educational Opportunity Fund (EOF), helping qualified students cut down on costs. Whether you’re interested in business, tech, healthcare, or liberal arts, programs here can fit your goals and your budget.

This guide covers the 10 most affordable colleges in New Jersey based on tuition, financial aid, academic quality, and overall value. These schools were selected based on in-state tuition rates, available financial aid, academic quality, and the overall value they provide. If you’re trying to figure out the best bang for your buck in the Garden State, this list can help you narrow things down.

Let’s take a closer look at why getting a degree in New Jersey might be the right move for you.

Why You Should Get a Degree in New Jersey

New Jersey’s location gives you access to major job markets in both New York City and Philadelphia — which means strong internship and job placement opportunities in fields like pharmaceuticals, finance, healthcare, and technology. Graduates in New Jersey tend to earn higher-than-average starting salaries, thanks to the state’s well-developed industries and urban connections.

Colleges and universities in New Jersey also offer a wide range of strong academic programs. From research-heavy public universities to career-focused community colleges, there’s something here for everyone. And with generous financial aid programs like NJ STARS and EOF, many in-state students can significantly reduce out-of-pocket costs.

Whether you plan to stay local or use your degree to launch a career in a nearby city, earning a degree in New Jersey puts you in a strong position for future success.

10 Most Affordable Colleges in New Jersey 

New Jersey colleges offer affordable degree programs across a variety of academic disciplines. Whether you’re looking for a two-year program, a bachelor’s degree, or a flexible pathway to transfer, these schools provide strong value and financial accessibility.

Thomas Edison State University

Thomas Edison State University is a public institution built around the needs of adult learners. It specializes in flexible degree options for working adults and nontraditional students. TESU is known for its generous credit transfer policies, including credit for military service and prior learning assessments.

Main Courses

• Business Administration
• Information Technology
• Liberal Studies
• Healthcare Management

Pros

• Accepts transfer credits from most accredited institutions
• Offers credit for work experience and military training
• Self-paced learning with flexible term schedules

Cons

• Minimal campus life or student community experience

Average Annual In-State Tuition

$7,960 – One of the lowest tuition rates in New Jersey for a public university.

Rowan University

Rowan University has built a strong reputation for innovation and academic quality. Its programs combine academic rigor with strong ties to New Jersey industries. With engineering, healthcare, and education partnerships, Rowan prepares students for career success in key New Jersey industries.

Main Courses

• Engineering Management
• Business Administration
• Construction Management
• Education (Reading, Teacher Leadership)

Pros

• Strong industry partnerships and internship opportunities
• Nationally ranked academic departments
• Designed for working adults and degree completion

Cons

• Admission may be competitive for certain programs

Average Annual In-State Tuition

$10,796 – A solid price for access to a comprehensive public university with excellent career pathways.

Rutgers University – New Brunswick

As New Jersey’s flagship university, Rutgers University – New Brunswick offers high-quality degree programs supported by renowned faculty and research facilities. Students benefit from the prestige of a Big Ten institution while completing coursework on a flexible schedule.

Main Courses

• Criminal Justice
• Public Health
• Business Administration
• Social Work

Pros

• Access to Rutgers’ extensive research network
• Strong alumni network and employer recognition
• Online programs mirror on-campus standards

Cons

• Admission is more selective
• Some degrees may require limited on-campus visits

Average Annual In-State Tuition

$12,900 – Offers strong academic value with the reputation of a leading public research university.

Brookdale Community College

Located in Monmouth County, Brookdale Community College is known for its affordability and focus on workforce development. It offers several associate degrees and certificates focused on workforce development and transfer readiness.

Main Courses

• Business Administration
• Health Science
• Liberal Arts
• Information Technology

Pros

• Affordable entry point for higher education
• Strong support for transfer to four-year universities
• Emphasis on career readiness and certification

Cons

• Limited to associate degrees
• Some technical programs require on-site labs

Average Annual In-State Tuition

$27,600 – A cost-effective option for students starting their education close to home.

Bergen Community College

Bergen Community College is one of the most well-respected two-year institutions in New Jersey. Its degree programs are designed to build practical skills for employment or further study.

Main Courses

• Healthcare Administration
• Business Administration
• Computer Science
• General Studies

Pros

• Excellent student support and career counseling
• Strong articulation agreements with NJ public universities
• Accessible for part-time and working students

Cons

• Associate degrees only
• Some programs offer fewer online course options

Average Annual In-State Tuition

$28,900 – A strong choice for students looking to earn a degree or transfer credits while managing costs.

Kean University

Kean University offers a broad selection of undergraduate and graduate programs emphasizing hands-on learning. Located in Union, New Jersey, Kean serves a diverse student body and is known for its strong programs in education, psychology, and business.

Main Courses

• Psychology
• Management
• Early Childhood Education
• Criminal Justice

Pros

• Strong career development and internship support
• Diverse and experienced faculty
• Designed to accommodate working students

Cons

• Online programs follow a structured semester format
• Fewer course offerings during summer/winter sessions

Average Annual In-State Tuition

$34,400 – Reflects Kean’s full-service academic resources and access to professional networks across New Jersey and New York.

Rider University

Rider University is a private institution with a student-centered approach to learning. Its programs are designed to combine theoretical knowledge with practical skills, making them ideal for professionals looking to advance or pivot their careers.

Main Courses

• Business Administration
• Organizational Leadership
• Liberal Studies
• Allied Health Studies

Pros

• Personalized attention with small class sizes
• Dedicated online advising and mentoring
• Accelerated course options available

Cons

• Higher tuition compared to public institutions
• Limited number of fully online undergraduate majors

Average Annual In-State Tuition

$35,000 – Offers premium private education with a focus on flexibility and support.

Saint Peter’s University

Saint Peter’s University, a Jesuit institution in Jersey City, blends ethical leadership and academic rigor. Its programs are grounded in a values-based curriculum and are particularly strong in business and nursing.

Main Courses

• Business Administration
• Nursing (RN to BSN)
• Education
• Health Sciences

Pros

• Jesuit tradition promotes ethics and community service
• Faculty with real-world industry experience
• Strong student support and tutoring

Cons

• Fewer program options for non-healthcare or non-business majors
• Higher cost typical of private institutions

Average Annual In-State Tuition

$37,660 – Reflects the added value of Jesuit education and access to individualized guidance.

Bloomfield College

Bloomfield College is a small, private college recognized for its commitment to serving diverse and underrepresented student populations. The school’s programs cater to students seeking personalized learning in a close-knit environment.

Main Courses

• Nursing
• Business Administration
• Creative Arts & Technology
• Early Childhood Education

Pros

• Focus on diversity, inclusion, and student success
• Low student-to-faculty ratio
• Strong academic and personal support

Cons

• Fewer program options compared to larger institutions
• Higher tuition may require more financial aid planning

Average Annual In-State Tuition

$47,900 – Reflects a private liberal arts college experience with tailored academic pathways.

Fairleigh Dickinson University

Fairleigh Dickinson University is New Jersey’s largest private university. It offers a global education experience through both on-campus and online formats. FDU’s online programs are professionally focused and designed for adult learners and career changers.

Main Courses

• Hospitality Management
• Psychology
• Business Administration
• Communication Studies

Pros

• Global perspective with international partnerships
• Wide range of online degree and certificate programs
• Extensive alumni and employer network

Cons

• Premium tuition cost
• Admission process may require more documentation

Average Annual In-State Tuition

$58,000 – Represents one of the state’s most comprehensive private university offerings with robust online infrastructure.

Key Requirements for Enrolling in Most Affordable New Jersey Colleges

Getting into one of New Jersey’s most affordable colleges involves meeting a mix of academic and administrative requirements. While each institution may have slightly different policies, most follow a general set of criteria that ensures students are prepared for college-level learning while also qualifying for in-state tuition and financial aid programs like NJ STARS and EOF.

High School Diploma

You’ll need to submit an official high school transcript or equivalent (like a GED). Colleges in New Jersey evaluate your GPA and course history to ensure you’ve met the baseline academic standards for admission.

SAT or ACT

Some schools still require standardized test scores, especially for competitive programs. Others have adopted test-optional policies. It’s best to check each college’s policy and deadlines for submitting scores.

New Jersey Residency

To qualify for in-state tuition rates and programs like NJ STARS, you’ll need to provide documentation such as a New Jersey state ID, utility bills, or proof of living in the state for at least 12 consecutive months.

FAFSA Financial Form

Filling out the FAFSA early is key to accessing financial aid. It determines your eligibility for the Tuition Aid Grant (TAG), the Educational Opportunity Fund (EOF), and other New Jersey-based aid packages.

Application Fee Paid

Most colleges charge a non-refundable application fee, typically ranging from $25 to $75. Fee waivers are often available for qualifying students—just check with the admissions office.

Official Transcripts Submitted

You’ll need to submit official transcripts from all previous institutions, including high schools or other colleges you’ve attended. These are required to verify your academic history and ensure proper credit transfers.

How Do New Jersey College Costs Compare to National Averages?

College tuition in New Jersey tends to sit just above the national average, especially for public universities. For example, schools like Montclair State and Ramapo College charge between $14,000 and $17,000 per year for in-state tuition, compared to the U.S. average of around $17,000 for public institutions. On the other hand, community colleges offer a more budget-friendly entry point, with average costs around $5,000–$6,000 annually.

New Jersey’s strong financial aid ecosystem balances out these higher costs. Programs like NJ STARS, EOF, and TAG can significantly reduce out-of-pocket expenses for eligible students. Even private institutions in the state often provide generous scholarships and grants to help offset their higher price tags.

So while sticker prices might look steep at first glance, many students end up paying much less—especially if they plan ahead and take advantage of the aid that’s available.

What Are the Tuition Fees for International Students at Affordable New Jersey Colleges?

International students attending New Jersey’s more affordable colleges typically pay higher tuition than in-state residents, but the costs remain competitive compared to schools in nearby states. For example, public universities like New Jersey City University and William Paterson University charge between $17,000 and $24,000 per year in tuition for international students.

Even with added costs—like international student fees, health insurance (about $2,000–$3,000 per year), and SEVIS fees ($350)—New Jersey colleges still offer good value, especially considering their location near New York and Philadelphia. Living expenses can vary widely, with smaller towns offering more affordable housing and transportation than areas close to major cities.

Many colleges, such as Kean University and Stockton University, also offer merit-based scholarships and dedicated support services to help international students transition academically and socially. These added benefits can make a big difference in the total cost and overall experience.

How Does the University of the People Compare with Most Affordable Colleges in New Jersey?

The University of the People (UoPeople) offers a tuition-free, fully online model with small assessment fees per course. This makes it a low-cost alternative to New Jersey’s affordable public colleges, which typically charge $7,000 to $12,000 annually before financial aid. UoPeople is accredited by the Distance Education Accrediting Commission (DEAC) and the Western Association of Schools and Colleges (WASC), which is the same agency that accredits UC Berkeley. 

In contrast, New Jersey public colleges hold regional accreditation from the Middle States Commission on Higher Education. While UoPeople provides maximum flexibility through asynchronous online learning, New Jersey colleges offer in-person programs with campus resources, local industry ties, and financial aid programs like NJ STARS, making them ideal for students seeking structured academic support and regional opportunities.

Ready to Choose the Most Affordable College?

Picking the right college in New Jersey isn’t just about the tuition price—it’s about balancing affordability with academic quality, financial aid, location, and long-term career opportunities. Whether you’re looking for a flexible online degree, strong on-campus programs, or something in between, New Jersey offers a variety of paths.

Take the time to compare financial aid packages, program offerings, and graduation outcomes. Don’t forget to factor in extras like commuting costs or on-campus housing if you’re considering a more traditional college experience. For many students, schools that participate in NJ STARS or offer generous need-based aid end up being the best fit.

Ultimately, the most affordable college is the one that aligns with your goals—academically, financially, and professionally. A little planning now can lead to major savings and a strong return on investment down the road.

FAQs

What are the most affordable public colleges in New Jersey?

Colleges like Thomas Edison State University, Rowan University, and Rutgers University–New Brunswick offer low in-state tuition and strong academic programs. Community colleges such as Brookdale and Bergen also provide low-cost options with pathways to four-year degrees.

What financial aid programs are available for New Jersey residents?

New Jersey offers several financial aid programs, including NJ STARS, the Tuition Aid Grant (TAG), and the Educational Opportunity Fund (EOF). These programs can cover a significant portion of tuition for eligible in-state students.

Can I transfer from a community college to a four-year university in New Jersey?

Yes. Many community colleges in New Jersey have articulation agreements with public universities, making it easier to transfer credits toward a bachelor’s degree. Schools like Brookdale and Bergen have strong partnerships with universities across the state.

What types of degrees can I earn at affordable New Jersey colleges?

Affordable colleges in New Jersey offer associate, bachelor’s, and even graduate degrees in fields like business, healthcare, education, and liberal arts. Community colleges focus on two-year degrees and certificates, while public universities provide a broader range of programs.

How do living costs affect the overall price of attending college in New Jersey?

Living costs vary depending on location. Students attending school in or near cities like Newark or Jersey City may pay more for housing and transportation, while smaller towns can offer more budget-friendly living options. Many schools provide on-campus housing or commuting options to help reduce costs.