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                                                                   EXHIBIT 10(n)

                          WAIVER, CONSENT AND AMENDMENT

                                                               February 14, 2003
COMPUTER HORIZONS CORP.
49 Old Bloomfield Avenue
Mountain Lakes, NJ 07046

Gentlemen:

We refer to the Financing Agreement between us, dated as of July 31, 2001 as the
same may be amended from time to time (herein the "Financing Agreement").
Capitalized terms used herein and defined in the Financing Agreement shall have
the meanings set forth therein unless otherwise specifically defined herein.

I.   You have advised us that your collections for the month of October, 2002
were $19,900,000 and for the month of November, 2002 were $18,167,000. Section
7, Paragraph 7.10(c) of the Financing Agreement requires minimum collections of
$20,000,000 during each month.

This letter is to confirm our agreement that, solely with respect to said months
the foregoing collections shall not be deemed by CIT to be Defaults and/or
Events of Default under the Financing Agreement. The parties hereto have further
agreed to amend the terms and provisions of the Section 7, Paragraph 7.10(c) of
the Financing Agreement, as amended hereby.

II.  You have advised us that you intend to establish an account or accounts
with J.P. Morgan Chase Bank and/or its affiliates for the deposit of certain of
your cash and the investment thereof in financial instruments (herein the
"Pledged Account"). We hereby consent to your doing the foregoing provided that
you take all actions and execute all documents and agreements (including but not
limited to a Pledge Agreement, Account Control Agreement and UCC financing
statement) requested by us to grant to us, and continue in our favor, a first
and exclusive lien upon and security interest in such Pledged Account, all in
form and substance satisfactory to us.

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III. In addition, effective immediately, the Financing Agreement shall be, and
hereby is, amended as follows:

(a)  Section 7, Paragraph 7.10(a)(i) and (ii) of the Financing Agreement shall
     be, and hereby is, deleted in its entirety and the following shall be
     inserted in lieu thereof:

     "(a) The Company shall maintain $5,000,000 in Availability at all times, as
          evidenced by a Borrowing Base certificate delivered by the Company to
          the Agent from time to time hereunder, but in no event less frequently
          than weekly. It is understood that such requirement contemplates that
          all debts and obligations of the Company are current, and that all
          payables are being handled in the normal course of the Company's
          business and consistent with its past practices.

(b)  Section 7, Paragraph 7.10(c) of the Financing Agreement shall be, and
     hereby is, amended in its entirety to read as follows:

     "(c) Obtain minimum Average Monthly Collections of $15,000,000 for each
          month. "Average Monthly Collections" shall mean the average monthly
          amount of the Collections of the Company's Accounts (excluding any
          amounts due or received from any of the Company's affiliates)
          calculated as a monthly average for the three (3) month period ending
          on the last day of each month."

(c)  Section 7, Paragraph 7.10(d) of the Financing Agreement shall be amended in
     its entirety to read as follows:

     "(d) The Company shall maintain at all times not less than $20,000,000 in
          the aggregate of cash, cash equivalents and short term Permitted
          Investments (as determined in accordance with GAAP) as reflected on
          its monthly Consolidated Balance Sheet and other financial statements
          to be delivered to Agent pursuant to Section 7, Paragraph 7.8 of this
          Financing Agreement, provided that all of the Company's cash which is
          not reasonably anticipated to be required for the Company's normal
          working capital requirements shall be deposited and maintained in
          those certain accounts of the Company maintained by J.P. Morgan Chase
          Bank and/or its affiliates which are pledged to the Agent and are
          subject to Account Control Agreements in favor of the Agent, all in
          form and substance satisfactory to the Agent."

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(d)  The definition of "Borrowing Base" as set forth in Section 1 of the
     Financing Agreement shall be, and hereby is, amended by the addition
     thereto at the end thereof just prior to the period at the end thereof of
     the following phrase:

          "plus (iii) the Additional Availability Reserve"

(e)  The following Definition of "Additional Availability Reserve" shall be, and
     hereby is, added to Section 1 of the Financing Agreement in the proper
     alphabetical order:

          "ADDITIONAL AVAILABILITY RESERVE shall mean an amount determined by
          the Agent equal to one pay cycle or half of the monthly payroll and
          payroll tax obligations of the Company."

(f)  The definition of "Line of Credit Fee" as set forth in Section 1 of the
     Financing Agreement shall be, and hereby is, amended in its entirety to
     read as follows:

          "LINE OF CREDIT FEE shall: (a) mean the fee due the Agent at the end
          of each month for the Line of Credit, and (b) be determined by
          multiplying the difference between (i) (x) $20,000,000 for any month
          during which there have been no borrowings and no outstanding
          Revolving Loans or other Obligations and (y) at all other times, the
          Revolving Line of Credit, and (ii) the sum, for said month of (x) the
          average daily balance of Revolving Loans plus (y) the average daily
          balance of Letters of Credit outstanding for said month by 0.375% per
          annum for the number of days in said month."

     The effectiveness of all of the foregoing waivers and amendments shall be,
and hereby is, subject to the fulfillment to CIT's satisfaction of the
Conditions Precedent. The "Conditions Precedent" shall mean each of the
following:

     (A)  The Company taking all actions (including, without limitation, the
          execution and delivery to us of all documentation) requested by us to
          perfect the Agent's lien upon the Pledged Account as provided above;
          and

     (B)  The Guarantors signing the confirmation below.

In consideration of (i) our execution of this Waiver, Consent and Amendment
Letter you agree to pay us an Accommodation Fee of $25,000 and (ii) the
preparation of this agreement by our in-house legal department you agree to pay
us a Documentation Fee of $300.00. Such fees shall be due and payable in full on
the date hereof and may, at our option, be charged to your Revolving Loan
Account on the due date thereof. You further agree to pay all Out-of-Pocket
Expenses incurred in connection with this Waiver, Consent and Amendment
Agreement and the transactions contemplated hereby, all of which may (at our
option) be charged to your Revolving Loan Account.

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Except to the extent set forth herein, no other waiver of, or change in any of
the terms, provisions or conditions of the Financing Agreement is intended or
implied. This agreement shall not constitute a waiver of any other existing
Defaults or Events of Default under the Financing Agreement (whether or not we
have knowledge thereof), and shall not constitute a waiver of any future
Defaults or Events of Default whatsoever.

If the foregoing is in accordance with your understanding of our agreement,
kindly so indicate by signing and returning the enclosed copy of this letter. In
addition, we have asked the Guarantor(s) to sign below the confirm that the
foregoing waivers shall not affect, modify or diminish the Guarantor(s)
obligations under any instruments of Guaranty and/or any related pledge or
security agreements executed in favor of CIT.

                                               Very truly yours,

                                               THE CIT GROUP/BUSINESS
                                               CREDIT, INC., AS AGENT AND LENDER

                                               By: Scot Weisberg
                                                   -----------------------------
                                               Title: Assistant Vice President

Read and Agreed to:

COMPUTER HORIZONS CORP.                        CHIMES, INC.

By: William J. Murphy                          By: William J. Murphy
    --------------------------------               -----------------------------
Title: EVP & CFO                               Title: DIRECTOR

COMPUTER HORIZONS (CANADA) CORP.               HORIZONS ENTERPRISES INC.

By: William J. Murphy                          By: William J. Murphy
    --------------------------------               -----------------------------
Title: Director                                Title: Director

STRATEGIC OUTSOURCING SERVICES, INC.           G. TRIAD DEVELOPMENT CORP.

By: William J. Murphy                          By:William J. Murphy
    --------------------------------              ------------------------------
Title: Director                                Title: Director

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INTEGRATED COMPUTER MANAGEMENT, INC.           PRINCETON SOFTECH INC.

By: William J. Murphy                          By: William J. Murphy
    --------------------------------               -----------------------------
Title: Director                                Title: Director

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                                                               February 13, 2003

COMPUTER HORIZONS CORP.
49 Old Bloomfield Avenue
Mountain Lakes, NJ 07046

Gentlemen:

We refer to the Financing Agreement between us, dated as of July 31, 2001 as the
same may be amended from time to time (herein the "Financing Agreement").
Capitalized terms used herein and defined in the Financing Agreement shall have
the meanings set forth therein unless otherwise specifically defined herein.

I.   You have advised us that you have made loans or advances to certain of your
affiliates in an aggregate approximate amount of $10,000,000 for the period from
July 31, 2001 to December 31, 2002. Section 7, Paragraph 7.9(g) of the Financing
Agreement permits loans of up to $100,000 in any fiscal year.

This letter is to confirm our agreement that, solely with respect to said fiscal
period the foregoing loans and advances shall not be deemed by CIT to be
Defaults and/or Events of Default under the Financing Agreement. The parties
hereto have further agreed to amend the terms and provisions of the covenant
referred to above, as set forth in the Financing Agreement, as amended hereby.

II.  You have advised us that you have entered into a certain Contribution
Agreement and Limited Liability Company Agreement, dated as of October 1, 2002,
between Computer Horizons Corp. ("CHC") its affiliate CHC Healthcare Solutions,
LLC ("CHCHS") and ZAC Consulting, LLC as seller ("ZAC") (herein the
"Contribution Agreement"), pursuant to which the ZAC and CHC, and certain of it
affiliates including CHCHS have agreed to contribute certain assets to CHCHS as
described more fully in Exhibit A annexed hereto (herein the "Contributed
Assets"), for assumption of certain Liabilities by CHC and contribution of
assets as set forth above.

This letter is to confirm our consent to the Contribution of Assets pursuant to
the Contribution Agreement, and to confirm our agreement to the release of our
lien on the Contributed Assets, provided that:

     1.   The total cash contribution and loans net of expenses does
          not exceed $1,100,000 as of the date hereof, provided that,
          the membership

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          interests of CHCHS held by CHC or any of its affiliates
          shall be pledged to CIT within 20 days of the date hereof
          and provided further that, CHC shall cause any membership
          interest in CHCHS held by ZAC and which are unencumbered or
          otherwise pledged or transferred to be pledged to CIT, all
          on term and conditions reasonably satisfactory to CIT.

     2.   CHC shall be deliver to CIT (i) executed copies of the
          Contribution Agreement and the other documents executed in
          conjunction therewith, and (ii) a balance sheet of CHC
          giving effect to the Contribution of Assets contemplated
          hereunder, certified by a financial officer of CHC, in form
          reasonably satisfactory to CIT. The Contribution of the
          Assets shall be consummated substantially in accordance with
          the terms and provisions of the Contribution Agreement.

     3.   The parties hereto have agreed that, irrespective of CIT
          consent to the Contribution of Assets contemplated hereby;
          CHCHS shall not be a party to or a Borrower under the
          Financing Agreement, and its Accounts shall not be deemed
          Eligible Accounts for purposes of calculating Availability
          on making Revolving Loans based on CHC's Borrowing Base.

     4.   You agree to reimburse us for any reasonable Out-of-Pocket
          Expenses incurred by us in connection with this consent and
          release. All such amounts may, at our option, be charged to
          your Revolving Loan Account under the Financing Agreement.

Upon your fulfilling the above conditions to CIT's satisfaction, CIT will
execute and deliver a such UCC partial release financing statements as may be
reasonably required to release its liens upon and security interest in CHC's
Contributed Assets.

III. In addition, effective immediately, the Financing Agreement shall be, and
hereby is, amended as follows:

(a)  Section 7, Paragraph 7.9(g) of the Financing Agreement is hereby deleted
     and the following is hereby substituted in lieu thereof:

     (g)  Make any advance or loan to, or any investment in (excluding Permitted
          Investments), any firm, entity, person or corporation, or purchase or
          acquire all or substantially all of the stock or assets of any entity,
          person or corporation, or pay any management, consulting or other
          similar fees to any person, corporation or other entity affiliated
          with the Company, except that the Company may (i) make loans and
          advances to its consolidated subsidiaries or affiliated companies in
          the ordinary course of its business and/or make equity investments in
          such consolidated subsidiaries or affiliated companies, provided that
          the aggregate amount of such

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          loans, advances and investments shall not exceed (x) $5,000,000 during
          the period from July 1, 2003 through and including December 31, 2003
          and (y) $5,000,000 during any calendar year thereafter, and (ii)
          purchase or acquire the assets or stock of any entity provided that
          the aggregate price of such acquisitions shall not exceed (x)
          $2,500,000 during the period from July 1, 2003 through and including
          December 31, 2003 and (y) $2,500,000 during any calendar year
          thereafter, provided further that after giving effect to any such
          loan, advance, equity investment or acquisition no Default or Event of
          Default has occurred or would occur as a result thereof.

(b)  Section 7, Paragraph 7.10(a)(i) of the Financing Agreement (Minimum
Availability Covenant) shall be, and hereby is, amended by increasing the dollar
amount set forth therein from "$15,000,000" to "17,500,000".

(c)  Section 7, Paragraph 7.10 of the Financing Agreement shall be further
amended by the addition thereto of the following new subparagraph "(d)":

     "(d) The Company shall maintain at all times not less than $17,500,000 in
     the aggregate of cash and cash equivalents (as determined in accordance
     with GAAP) as reflected on its monthly Consolidated Balance Sheet and other
     financial statements to be delivered to Agent pursuant to Section 7,
     Paragraph 7.8 of this Financing Agreement."

(d)  The Company acknowledges and agrees that the Accounts due from CHCHS shall
be excluded from Eligible Accounts Receivable under the Financing Agreement and
shall be broken out in a separate aging and included as a separate ineligible
line item for Borrowing Base reporting called "HIPAA Receivable".

The effectiveness of all of the foregoing waivers and amendments shall be, and
hereby is, subject to the fulfillment to CIT's satisfaction of the Conditions
Precedent. The "Conditions Precedent" shall mean each of the following:

     (A)  CHC taking all action (including, without limitation, the execution
          and delivery to us of all documentation) requested by us to perfect
          CIT's lien upon CHC's membership interests in CHCHS, including
          execution of a Pledge Agreement in form and substance satisfactory to
          CIT within twenty (20) days of the days hereof; and

     (B)  The Guarantors signing the confirmation below.

In consideration of (i) our execution of this Waiver and Amendment Letter you
agree to pay us an Accommodation Fee of $5,000.00 and (ii) the preparation of
this agreement by our in-house legal department you agree to pay us a
Documentation Fee of $300.00. Such fees shall be due and payable in full on the
date hereof and may, at our option, be charged to your Revolving Loan Account on
the due date thereof. You further agree to pay all Out-of-Pocket Expenses
incurred in connection with this Waiver and Amendment Agreement and the
transactions contemplated hereby all of which may (at our option) be charged to
your Revolving Loan Account.

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Except to the extent set forth herein, no other waiver of, or change in any of
the terms, provisions or conditions of the Financing Agreement is intended or
implied. This agreement shall not constitute a waiver of any other existing
Defaults or Events of Default under the Financing Agreement (whether or not we
have knowledge thereof), and shall not constitute a waiver of any future
Defaults or Events of Default whatsoever.

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If the foregoing is in accordance with your understanding of our agreement,
kindly so indicate by signing and returning the enclosed copy of this letter. In
addition, we have asked the Guarantor(s) to sign below to confirm that the
foregoing waivers shall not affect, modify or diminish the Guarantor(s)
obligations under any instruments of Guaranty and/or any related pledge or
security agreements executed in favor of CIT.

                                             Very truly yours,

                                             THE CIT GROUP/BUSINESS CREDIT, INC.

                                             By: Scot Weisberg
                                                --------------------------------
                                             Title: Assistant Vice President

Read and Agreed to:

COMPUTER HORIZONS CORP.

By: William J. Murphy
    --------------------------------
Title: EVP & CFO

Read and Agreed to:

COMPUTER HORIZONS (CANADA) CORP.             CHIMES, INC.

By  William J. Murphy                        By  William J. Murphy
    --------------------------------             -------------------------------
Title: Director                              Title: Director

STRATEGIC OUTSOURCING
SERVICES, INC.                               HORIZON ENTERPRISES INC.

By  William J. Murphy                        By  William J. Murphy
    --------------------------------             -------------------------------
Title: Director                              Title: Director

INTEGRATED COMPUTER
MANAGEMENT, INC.                             C. TRIAD DEVELOPMENT CORP.

By  William J. Murphy                        By  William J. Murphy
    --------------------------------             -------------------------------
Title: Director                              Title: Director

PRICETON SOFTECH INC.

By  William J. Murphy
    --------------------------------
Title: Director

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