PA's low cost way to pay for college
A loan designed specifically for students seeking an advanced degree (master's, doctorate, etc.). This loan is meant for Pennsylvania (PA) residents attending an approved school, in or out of PA, or students from an approved state (Delaware, Maryland, New Jersey, New York, Ohio, Virginia and West Virginia) attending an approved Pennsylvania school.
No fees
Low fixed interest rates
Multiple repayment options
Potential interest rate rewards
Through the PA Forward Student Loan Program1 , the Pennsylvania Higher Education Assistance Agency (PHEAA) offers private loans options to enable students in the Keystone State to pursue their higher education dreams and make managing their loans easier and more convenient. You can even borrow up to 100% of the certified cost of attendance (e.g., tuition, fees, room, board, books, etc.) up to the aggregate limit of $300,0002 (minimum loan amount is $1,500).
The PA Forward Student Loan is a loan designed specifically for students (who are currently enrolled or plan to be enrolled) seeking an advanced degree (master's, doctorate, etc.). This loan is meant for:
The PA Forward Student Loan Program does not require you to have a co-signer unless you have not met the age of majority based on the law of your state of residence or you do not meet the minimum credit requirements. However, you may benefit from a creditworthy co-signer. Having a co-signer may increase your chances that the loan will be approved and, perhaps, may get you a better interest rate.
The Pennsylvania Higher Education Assistance Agency (PHEAA) uses credit score, employment history, monthly debt payments and income among other factors when considering whether or not to approve an application. The PA Forward Student Loan Program does not require you to have a co-signer unless you have not met the age of majority based on the law of your state of residence or you do not meet the minimum credit requirements. Having a co-signer may increase the likelihood that the loan will be approved and/or result in you receiving a better interest rate.
Our objective is to make the borrowing process simple and straightforward. To apply for a PA Forward Graduate Loan, you will want to have the following information available when you apply online:
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1 - PA Forward Student Loans are separate from PHEAA's Pennsylvania State Grant. Eligibility for a PA State Grant does not mean you will be approved for a PA Forward Student Loan.
2 - FNB has partnered with PHEAA to provide you with competitive loan options.
