... the financial assistance were to be awarded as a loan.' N.J.S.A. 58:10A- 37.5(c)(1). The Act and its implementing regulations do not ... loan or a conditional hardship grant[.]' A-3314-17T2 3 N.J.S.A. 58:10A-37.5(a)(1). 'A conditional hardship grant for eligible project costs ... the applicant meets the criteria set forth in this act.' N.J.S.A. 58:10A-37.5(c)(1). By contrast, '[a] loan to an eligible owner ... year prior to the date of the application being submitted.' N.J.S.A. 58:10A-37.5(c)(1). All recipients of loans, as well as recipients ... requirements; (2) financial hardship requirement; and (3) statutory requirements of N.J.S.A. 58:10A-37.5(c). N.J.A.C. 19:31-11.6(b ... to the eligibility requirements, the regulations track the language of N.J.S.A. 58:10A- - 37.5(c)(1) regarding ownership of a qualifying tank and ...