The New York Higher Education Loan Program (NYHELPs) touts itself, on ads seen on buses and heard on radio, as "bridging the gap" in college financing.

After exhausting federal grants and loans, scholarships from colleges, and State programs, such as the Tuition Assistance Program (TAP) [itself an extremely limited resource, particularly for the financially hard-squeezed middle class, being quietly phased out in NY (TAP, that is. Not the middle class. Then again, with property taxes what they ...
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