PA Forward Student Loans
A Loan with Pennsylvania Students in Mind
Through the PA Forward Student Loan Program, the Pennsylvania Higher Education Assistance Agency (PHEAA) offers private education loan options to enable Pennsylvania students to pursue their higher education dreams and to make managing their loans easier and more convenient.
Benefits that Matter
- No application or origination fees
- Low, fixed interest rates
- Multiple repayment options
- Potential interest rate rewards
- No prepayment penalty
Loan Eligibility
PA Forward was designed for PA residents attending an approved school in or out of state, and residents of approved states1 attending a PA school regardless of enrollment status, including those enrolled less than half-time2.
All borrowers must be citizens or permanent residents of the United States.
For parent loans, the dependent undergraduate student must be enrolled at least half-time in a degree, certificate, or diploma-granting program. Parents or guardians must meet the minimum credit qualifications.
To be eligible for a refinance loan, borrowers must currently be in repayment.
Co-signer
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.
Loan Types
Undergraduate Loan
For students in a degree, certificate, or diploma-granting program.
LEARN MORE / APPLY
Graduate Loan
For students seeking an advanced degree such as a masters, law, MBA, Ph.D., or others.
LEARN MORE / APPLY
Parent Loan
For parents or guardians of dependent undergraduate students enrolled at least half-time in a degree, certificate, or diploma-granting program.
LEARN MORE / APPLY
Refinance Loan
For those currently in repayment who want assistance with managing their student debt. Get payment estimates too!
LEARN MORE / APPLY
Medical Loan
For students seeking a medical, dental, osteopathic, podiatry, or veterinary degree.
LEARN MORE / APPLY
Health Professional Loan
For students seeking a doctor of chiropractic, doctor of optometry, nurse practitioner, occupational therapy, pharmacy, physical therapy, speech-language pathology, or other graduate health professional degree.
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.
Visit EducationPlanner.org | MySmartBorrowing.org Using this interactive tool, you can create up to four 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.
Visit MySmartBorrowing.org |
|
| 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.
Visit YouCanDealWithIt.com |
NOTE: If you visit one of the above sites, please remember to return to this site if you decide to apply for a PA Forward Student Loan.
- PA Forward approved states include DE, MD, NJ, NY, OH, VA, and WV.
- Loans taken for a less than half-time academic period may borrow up to $5,000—this does not apply to the medical or health professional loans.
Keystone Student Loans
Unlock a Better Way to Pay for College
Through the Keystone Student Loan Program, PHEAA offers private education loan options to enable students in DE, MD, NJ, NY, OH, VA, and WV to pursue their higher education dreams and to make managing their loans easier and more convenient.
Benefits that Matter
- No fees
- Low, fixed interest rates
- Multiple repayment options
- Potential interest rate rewards
- No prepayment penalty
Loan Eligibility
Keystone was designed for residents in DE, MD, NJ, NY, OH, VA, or WV attending an approved school in or out of state (except for PA), regardless of enrollment status, including those enrolled less than half-time.1
All borrowers must be citizens or permanent residents of the United States.
For parent loans, the dependent undergraduate student must be enrolled at least half-time in a degree, certificate, or diploma-granting program. Parents or guardians must meet the minimum credit qualifications.
Co-signer
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, perhaps, may get you a better interest rate.
Loan Types
Currently there are five loan types in the Keystone Student Loan Program.
Undergraduate Loan
For students in a degree, certificate, or diploma-granting program.
LEARN MORE / APPLY
Graduate Loan
For students seeking an advanced degree such as a masters, law, MBA, Ph.D., or others.
LEARN MORE / APPLY
Parent Loan
For parents or guardians of dependent undergraduate students enrolled at least half-time in a degree, certificate, or diploma-granting program.
LEARN MORE / APPLY
Medical Loan
For students seeking a medical, dental, osteopathic, podiatry, or veterinary degree.
LEARN MORE / APPLY
Health Professional Loan
For students seeking a doctor of chiropractic, doctor of optometry, nurse practitioner, occupational therapy, pharmacy, physical therapy, speech-language pathology, or other graduate health professional degree.
Looking to Refinance your Existing Student Loans?
Keystone’s lender, PHEAA, offers the PA Forward Refinance Loan which helps to simplify repayment by combining federal and private education loans into one convenient monthly payment. Eligible borrowers include residents from DE, MD, NJ, NY, OH, PA, VA, and WV—meaning all Keystone Student Loan borrowers and co-signers who are currently in repayment are eligible to refinance with PA Forward!
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.
Visit EducationPlanner.org
| MySmartBorrowing.org
Using this interactive tool, you can create up to four 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.
Visit MySmartBorrowing.org
| 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.
Visit YouCanDealWithIt.com
|
NOTE: If you visit one of the above sites, please remember to come back to this site if you decide to apply for a Keystone Student Loan.
- Loans taken for a less than half-time academic period may borrow up to $5,000—this does not apply to the medical or health professional loans.
Sallie Mae Private Student Loans
Student loans from Wayne Bank with Sallie Mae® higher education loans are designed for the needs of undergraduate and graduate students – Whether for borrowers attending or borrowing for a student attending a degree-granting institution.
- Competitive Interest Rates
- Multiple repayment options
- No Origination Fees, No prepayment penalty1
Find out which loan is right for you here.
Get Started and Apply
Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.
These loans are made by Sallie Mae Bank or a lender partner. Wayne Bank is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.
Smart Option Student Loan and graduate loan products: These loans are for students at participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend a participating school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and provide an unexpired government-issued photo ID to verify their identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
1 Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.
© 2021 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.
