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 Plans
Interest Rate Reduction of 0.50% for Graduating*
*Undergraduate and graduate loans only
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.
In Repayment
Refinance Loan
A loan designed specifically for borrowers in repayment to manage their student debt.
Application Process Made Easy
Check your eligibility
Create an account
Tell us about yourself or co-signer
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.
Smart Borrowing
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.
† 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.