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PA Forward Graduate Loan

PA's low cost way to pay for college

PA Forward graduate loan

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.

To Apply Now:

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      No fees

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      Low fixed interest rates

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      Multiple repayment options

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      Potential interest rate rewards

  • A Loan with Pennsylvania Students in Mind

    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).

    Eligibility

    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:

    • Pennsylvania (PA) residents attending an approved school in or out of PA
    • Students from an approved state (Delaware, Maryland, New Jersey, New York, Ohio, Virginia and West Virginia) attending an approved PA school
    • Citizens or permanent residents of the United States
    • Borrowers and/or co-signers who meet the minimum credit requirements
    • 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.

    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, perhaps, may get you a better interest rate.

  • Qualifying for a PA Forward 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 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.

    The Borrowing Process:

    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:

    • 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

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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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