<p>Hey guys my Uncle the other day told me to fill out the NJCLASS loan with my mother as the Co-Signer before I start applying for private ones... I filled out a large portion of it yesterday, but when I got the the term selector I DID NOT SEE the option for a 2012-2013 term/semester time... Am I doing something wrong, or did the NJCLASS loan for the 2012-2013 semester(s) not come out yet?</p>
<p>Also how hard is it to get approved for a NJCLASS loan??? </p>
<p>Thank You... :)</p>