Our earnings help support PHEAA's public service mission to give back to PA students and families.

Great Benefits!

Low Interest Rates (3.47-10.56%) APR†

No Application or Origination Fees

Multiple Repayment Options

Are you a Pennsylvania Commonwealth or PHEAA employee? See if you qualify for an additional 0.25% interest rate reward.

Loan Options

In School

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.

Compare our parent loan to the federal parent PLUS loan.

In Repayment

Refinance Loan

A loan designed specifically for borrowers in repayment to manage their student debt.

Application Process Made Easy

1

Check your eligibility

2

Create an account

3

Tell us about yourself or co-signer

4

Submit your application

Tip!You may benefit by applying with a co-signer.

For undergraduate, graduate, and refinance loans, most students may benefit from obtaining 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.

Apply Now

Lender Referral Program

(For Financial Institutions Only)

The PA Forward Student Loan Program was designed to assist Pennsylvania students and families achieve their goals of financing higher education. Most Pennsylvanians would welcome a very competitive student loan product provided by their trusted financial institution. Consider joining our team by becoming a referral partner.

LEARN MORE ABOUT THE LENDER REFERRAL PROGRAM Current Referral Lenders

† Select the symbol within this page to view our student loan lending disclosures.

NOTE: Subject to aggregate loan limits.

Applicants, including co-signers, are subject to credit qualifications, completion of an application and credit agreement, and verification of application information. PHEAA uses applicants FICO scores to determine eligibility and interest rates. Higher credit scores may mean an applicant is offered a lower interest rate.

PHEAA reserves the right to discontinue all programs or benefits without prior notice.