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      No application fees

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      Low fixed interest rates

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      Multiple repayment terms

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      Interest rate reduction for Direct Debit

  • A Loan with Pennsylvania Students in Mind

    Through the PA Forward Refinance Loan, you can combine one or more existing student loans into a single, new loan with one monthly payment, which can help you navigate successful student loan repayment more conveniently.1 You can even borrow up to the aggregate limit of $300,000 (including capitalized interest) with a minimum loan amount of $5,000.

    Eligibility

    The PA Forward Refinance Loan is a loan designed specifically for those who are in repayment and want assistance with managing their student debt. This loan is meant for:

    • Any Pennsylvania resident or resident of an approved state (Delaware, Maryland, New Jersey, New York, Ohio, Virginia and West Virginia) who is the borrower for the student loans
    • Borrowers who are currently in repayment
    • Citizens or permanent residents of the United States
    • Borrowers and/or co-signers who meet the minimum credit requirements

    Getting Approved

    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/or result in a better interest rate.

  • Qualifying for a PA Forward Refinance Loan:

    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. However, you may benefit from a creditworthy co-signer. Having a co-signer may increase the likelihood that the loan will be approved and/or result in a better interest rate.

    The Borrowing Process:

    Our objective is to make the borrowing process simple and straightforward. To apply for a PA Forward Refinance Loan, you will want to have the following information available when you apply online:

    • Name, address and telephone number
    • Date of birth and Social Security number
    • Email address
    • Annual income
    • Co-signer’s name and email address (if applicable)
    • Current student loan account information
    • Mobile phone to receive one-time passcode for electronic signature

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Notices & Disclosures

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.

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