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The PNC Solution Loan for Graduates is a private loan offering a convenient way to pay for college after you have exhausted your federal loan options.
Who It's For: Graduate or professional students who are enrolled at least half time in a degree or certificate program.
Before you apply for loans, you should have:
If you are unfamiliar with terminology you encounter while reviewing information about our higher education private loans, we've created a glossary of terms to assist you.
View Glossary of Terms »
You and your co-signer, if any, must:
You or your co-signer, if any, must:
$0 while in school
$67 after graduation
The PNC Education Loan Center is grateful for your service and we would like to help you understand your benefits and protections under the Servicemembers Civil Relief Act (SCRA).
The SCRA provides eligible service-members with financial relief and protections that apply to private and federal student loans. They may enable you to:
PNC will also apply benefits and protections on eligible accounts, including:
For questions about these banking products, please contact:
Phone: 1-844-PNC-SCRA (844-762-7272)
A valuable resource that can help ensure you graduate from college with strong financial acumen, budgeting skills and insight to successfully manage student loan repayment. Best of all, it's free to everyone.
Watch videos to learn about financial aid options, what's expected during student loan repayment and how to budget once you get your first job.
Prepare for a strong financial future through personalized and engaging money management education.
Use interactive tools and calculators to create a detailed budget that you can customize and update to track spending.
GradReady's free videos, planning tools and resources can educate you on a wide range of college-relevant financial topics. Learn how to plan for debt and make financially sound decisions during and after college. Set up your free account today!
When you are applying for a PNC Solution Loan, you will be transferred to the website of one of our service providers. A list of information required to successfully complete your application will be provided during the application process. Borrowers and co-signers will need personal and income information including a driver’s license or state ID. All borrowers will need their financial aid award letter.
During repayment, an interest rate reduction of 0.50% is available for automated payments once you are no longer attending school on at least a half-time basis. You must be making scheduled payments through servicer American Education Services (AES) that include both principal and interest from your checking or savings account. If automatic payment is discontinued, you will no longer receive an automatic payment discount. Discount may be suspended during periods of forbearance. A federal regulation limits the number of transfers that may be made from a savings or money market account. Please contact your financial institution for more information on transfer limitations on savings accounts.
A request to release a co-signer requires that, as of the date of the request, you have made at least forty-eight (48) consecutive timely payments of principal and interest with no periods of forbearance or deferment within the forty-eight (48) month timeframe. “Timely payment” means each payment is made no later than the 15th day after the scheduled due date of the payment. “Consecutive payment” means the regularly scheduled monthly payment must be made for the most recent forty-eight (48) months straight without any interruption. To qualify for a co-signer release, the borrower must submit a request, meet the consecutive, timely payment requirements, provide proof of income and pass a credit check.
View important disclosure and repayment information for the PNC Solution Loan for Graduate Students. Creditworthy borrowers - annual loan maximum: $65,000; maximum aggregate educational debt (including federal and private student loans): $225,000.
Interest will continue to accrue during periods of deferment. You will receive quarterly interest statements during this deferment period. Paying the interest as it accrues each quarter will save you money over the repayment term of the loan because any accrued interest that you do not pay will be added to the principal balance at the end of the deferment period.
PNC reserves the right to discontinue any or all terms of this program at any time without notice. Loans may be sold to other financial organizations; however, the interest rate and term of the loan will not change if a loan is sold. PNC Solution Loans are subject to credit approval.
You are encouraged to explore all scholarship, grant and federal borrowing options before applying for a private loan.
PNC does not provide accounting, tax or legal advice. Any calculators provided are intended for educational and estimation purposes only, and their accuracy is not guaranteed. The calculators, and any results displayed, do not constitute the advice of, or reflect actual products, services, rates and/or terms available from PNC Bank or its affiliates, and nothing contained in the calculators shall constitute an offer or solicitation of a product or service by PNC Bank or its affiliates.