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      Low fixed interest rates

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      Multiple repayment options

  • A Loan with Ease and Convenience in Mind

    Through the Keystone Student Loan Program, the Pennsylvania Higher Education Assistance Agency (PHEAA) offers private education loan 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 $150,0001 with a minimum loan amount of $1,500.

    Eligibility

    The Keystone Parent Loan is designed specifically for parents/guardians of students who are enrolled or who plan to be enrolled in a degree, certificate or diploma granting program. For the Keystone Parent Loan, the student must be enrolled at least half-time. These loans are meant for parents or guardians of:

    • 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
    • Borrowers who meet the minimum credit requirements
  • Qualifying for a Keystone Parent 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 Borrowing Process:

    Our objective is to make the borrowing process simple and straightforward. To apply for a Keystone Parent 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 your student attends or plans to attend
    • Annual income
    • Grade level and anticipated graduation date
    • Academic period for which you would like to receive the loan
    • Mobile phone to receive one-time passcode for electronic signature

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Notices & Disclosures

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

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