Private Student Loans 

If you find yourself still needing extra funds to cover college costs beyond federal, state, and other aid, our partner, the Pennsylvania Higher Education Assistance Agency (PHEAA) offers the PA Forward and Keystone Student Loan programs.  These state-based student loans feature competitive fixed rates, no application or origination fees, and great benefits!

PA Forward Student Loans

PA's Low-Cost Way to Pay for College

For students from Pennsylvania attending an approved school in or out of PA or students from MD, NJ, DE, NY, OH, VA, and WV planning to attend an approved school in Pennsylvania. 

Currently there are four loan types in the PA Forward Student Loan Program.

Undergraduate Loan

A loan designed specifically for students seeking an undergraduate degree, certificate, or diploma.

Graduate Loan

A loan designed specifically for students seeking an advanced degree such as masters, doctoral, law, health profession, or others.

Parent Loan

A loan designed specifically for parents or guardians of dependent undergraduate students.

Refinance Loan

A loan designed specifically for borrowers in repayment to manage their student debt. Get payment estimates too!

 

Keystone Student Loans

Unlock a New Way to Pay for College

Though the Keystone Student Loan Program, the Pennsylvania Higher Education Assistance Agency (PHEAA) offers private loan options to enable students from MD, DE, NJ, NY, OH, WV and VA to pursue their higher education dreams and to make managing the loans easier and more convenient.  

Currently there are three loan types in the Keystone Student Loan Program.

Undergraduate Loan

Learn More/Apply

A loan designed specifically for students seeking an undergraduate degree, certificate, or diploma.

Graduate Loan

Learn More/Apply

A loan designed specifically for students seeking an advanced degree such as masters, doctoral, law, health profession, or others.

Parent Loan

Learn More/Apply

A loan designed specifically for parents or guardians of dependent undergraduate students.


Looking to refinance your existing student loans?

PHEAA offers the PA Forward Reliance Loan to residents of MD, PA, DE, NJ, NY, OH, VA, and WV.  There are benefits to refinancing with PA Forward, such as:

  • Lower monthly payments *
  • Get a lower interest rate **
  • One bill, one lender
  • No pre-payment penalties
  • Fixed interest rate
  • Different repayment terms to fit your personal situation ***

Learn More/Apply

 

Plan Ahead & Be a Smart Borrower

The world of student aid can sometimes be difficult to navigate. However, it doesn't have to be. We have gathered information that will make it easier for you to understand.

EducationPlanner.org

This career and college planning website provides practical and easy-to-understand advice to help prepare students for the important decisions they will face in the future.
 

MySmartBorrowing.org

Using this interactive tool you can create up to 4 different scenarios to see how your career and college choices may affect how much you pay for college and if you are at risk for overborrowing.
 

YouCanDealWithIt.com

This website provides practical and easy-to-understand advice on how to deal with common financial situations facing today's college students and recent graduates.
 

 

*Your payment could increase depending on the selected repayment term.
**Interest rate depends on credit score and other factors.
***You could pay more interest over the life of the loan with a longer loan term.