I got pulled over in NJ about 3 years ago in my 350 and was written a ticket for 93 in a 65 by a Trooper. Like FullMonty said you can drop it to Careless with 0 points but you pay a higher fine + court fees + mandatory $250 state surcharge = about 5-600 bucks. You are allowed to do this twice in 5 years if you try a third time they smack you with all the points they originally dropped (I tried the third time and when I got up to the judge he sternly said "Are you sure you want to try this" I shamefully said "No, can I please get a lawyer").
But depending on whether this was out of state, sometimes points don't carry over to your home state. But for NJ at least they have an agreement with NY and CT where all tickets and points do carry over. I got a ticket near Albany NY last year 85 in a 65, simply found out who the prosecutor was going to be and wrote a couple letters told him I could not appear in court, was a student, and couldn't afford points. He sent me two parking tickets for $100 each as opposed to the two tickets the cop gave me for a total of 6 points.
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