The New York Higher Education Loan Program (NYHELPs) gives students and families a low-cost way to make up the difference between the cost of college and available financial aid. NYHELPs requires that students exhaust all State, federal (other than PLUS), and institutional student aid to which they are entitled in order to apply for a loan. To see a list of participating colleges please click here. For more information or to apply online visit the HESC website.