Keystone Graduate Loan | First National Bank

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- No fees
- Low fixed interest rates
- Multiple repayment options
- Potential interest rate rewards
A Loan with Ease and Convenience in Mind

Through the Keystone Student Loan Program, the Pennsylvania Higher Education Assistance Agency (PHEAA) offers private education loans options to enable students in Delaware, Maryland, New Jersey, New York, Ohio, Virginia and West Virginia to pursue their higher education dreams and to 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 $300,000¹ with a minimum loan amount of $1,500.

Eligibility

The Keystone Graduate Loan is a loan designed specifically for students enrolled or plan to be enrolled seeking an advanced degree (master's, doctorate, etc.). This loan is meant for:
- Delaware, Maryland, New Jersey, New York, Ohio, Virginia and West Virginia residents attending an approved school in or out of state (excluding PA)
- Citizens or permanent residents of the United States
- Students regardless of enrollment status, including those attending on a less than half-time basis, as determined by their institution
  ⚬ Less than half-time students may only borrow a maximum of $5,000 per loan.
- Borrowers and/or co-signers who meet the minimum credit requirements
Getting Approved

The Keystone 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 Keystone Graduate 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 Keystone 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 Keystone Graduate 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
- Name and location of school you are or plan on attending
- Annual income
- Grade level and anticipated graduation date
- Academic period for which you would like to receive the loan
- Co-signer’s name and email address (if applicable)
- Mobile phone to receive one-time passcode for electronic signature

Products With You in Mind

FNB offers a full breadth of products and services for your needs.

Notices & Disclosures

1 - FNB has partnered with PHEAA to provide you with competitive loan options.