PA's low cost way to pay for college
A loan designed specifically for borrowers in repayment to manage their student debt. Get payment estimates too! This loan is meant for any Pennsylvania resident or any resident of an approved state (DE, MD, NJ, NY, OH, VA and WV) who is the borrower for the student loans.
No application fees
Low fixed interest rates
Multiple repayment terms
Interest rate reduction for Direct Debit
Through the PA Forward Student Loan Program, the PHEAA offers private student loan options to enable Pennsylvania students to pursue their higher education dreams and to make managing their loans easier and more convenient.1
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:
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.
PHEAA uses credit score, employment history, monthly debt payments and income among other factors when considering whether or not to approve your 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 could potentially result in you receiving a better interest rate.
Our objective is to make the borrowing process simple and straightforward. To apply for a PHEAA Refinance Loan, you will want to have the following information available when you apply online:
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1 - FNB has partnered with PHEAA to provide you with competitive loan options.
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