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The Pennsylvania Higher Education Assistance Agency (PHEAA) offers private student loan options for students pursuing higher education.
Loans with Pennsylvania Students in Mind
Through the PA Forward Student Loan Program, the Pennsylvania Higher Education Assistance Agency (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.
Benefits
- No application or origination fees
- Low fixed interest rates
- Multiple repayment options
- Potential interest rate rewards
- No prepayment penalty
The PA Forward Student Loan Program currently offers 6 loan types:
Undergraduate Loan
For students seeking an undergraduate degree, certificate, or diploma.
Graduate Loan
For students seeking an advanced degree such as masters, law, MBA, Ph.D, or others.
Medical Loan
For students seeking a medical, dental, osteopathic, podiatry, or veterinary degree.
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.
Parent Loan
For parents or guardians of dependent undergraduate students.
Refinance Loan
For borrowers in repayment to manage their student debt. Get payment estimates too!
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-time.2
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.
- 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.
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.