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Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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.
The PA Forward Student Loan Program has the following benefits:
Currently there are six loan types in the PA Forward Student Loan Program:
Undergraduate Loan
A loan designed specifically for students seeking an undergraduate degree, certificate, or diploma.
Learn More/Apply
Graduate Loan
A loan designed specifically for students seeking an advanced degree such as masters, law, MBA, Ph. D or others.
Learn More/Apply
Parent Loan
A loan designed specifically for parent or guardians of dependent undergraduate students.
Learn More/Apply
Medical Loan
A loan designed specifically for students seeking a medical, dental, osteopathic, podiatry or veterinary degree.
Learn More/Apply
Health Professional Loan
A loan designed specifically 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
Refinance Loan
A loan designed specifically for borrowers in repayment to manage their student debt. Get payment estimates too!
Learn More/Apply
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.
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.
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 over borrowing.
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.
*NOTE: If you visit one of the above sites, please remember to come back to this site if you decide to apply for a PA Forward Student Loan. For specific loan program questions please call 1-844-PAFORWARD (1 (844) 723-6793).
The PA Foward was designed for PA residents attending an approved school in or out of state, and residents of approved states (DE, MD, NJ, NY, OH, VA and WV) attending a PA school regardless of enrollment status, including those enrolled less than half-time.**
These loans are meant for:
**Loans taken for less than half-time academic period may borrow up to $5,000 – this does not apply to the medical or health professional loans.
The PA Forward Refinance Loan is a loan designed specifically for those who are in repayment and want assistance with managing their student debt.
The loan is mean for:
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 your 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.