Student Lending

Important Information About Rates and Fees

Fixed Annual Percentage Rates (APRs) are based on the creditworthiness of the borrower and co-signer, if any. For the fixed rate loan, the monthly payment will remain fixed for the term of the loan. Variable Annual Percentage Rates (APRs): Variable rates are based on the Prime Rate index plus a margin depending on the creditworthiness of the borrower and cosigner, if any. The Prime index, adjusted monthly, is equal to the Prime Rate as published in the “Money Rates” section of The Wall Street Journal ‘(Eastern Edition)’ on the first business day of the immediately preceding calendar month. The Prime index is currently 3.25%. If the index increases or decreases, your rate will increase or decrease accordingly. The rate will not exceed 18%.

Solution Loan APRs shown are for the displayed loan amount, repayment term, repayment option, and interest rate. Solution Loan offers five loan programs: Undergraduate, Graduate, Health & Medical Professions, Health Residency and Bar Study. Annual maximum loan amount is $50,000 for Undergraduate, Graduate and Health & Medical Professions, and $15,000 for Health Residency and Bar Study. Repayment terms are 5, 10 or 15 years. Repayment options include immediate repayment, interest only payments while in school and deferred payment of principal and interest. Rates may vary by loan program, repayment term and repayment option. APRs encompassing all loan programs, repayment terms, and repayment options currently range from 4.19% to 11.50% for a fixed-rate loan and from 1.96% to 9.42% for a variable-rate loan.

Student Refinance Loan APRs shown are for the displayed loan amount, repayment term and interest rate. Loan amounts range from $10,000 to $75,000. Repayment terms are 5, 10 or 15 years. Rates may vary by loan amount and repayment term. APRs encompassing both repayment terms currently range from 3.44% to 6.24% for a fixed-rate loan and from 2.22% to 5.02% for a variable-rate loan.

All APRs reflect 0.50% interest rate discount for automated payments. The displayed rates are available to well-qualified applicants. Your actual APR will be based upon multiple factors such as credit qualifications, selection of fixed or variable rate option, loan program, loan amount, repayment term,  index and margin (for a variable rate loan), and repayment option (for a Solution Loan) and whether you elect the automated payment feature. 

Monthly Payment Examples: Payment amounts displayed are estimated. Actual payment may vary based on APR, interest rate option, repayment option (for Solution Loans) and repayment term. More detail repayment examples for each loan program, interest rate option, repayment term and repayment option are available on

Application and Solicitation Disclosures:

Solution Loan Programs

PNC Education Refinance Loan


Credit is subject to approval. Certain restrictions and conditions apply. Rates are effective as of 9/1/2021. Rates, terms and conditions are subject to change at any time. The display of any potential savings associated with the refinance loan is estimated based on inputted data. Actual savings, if any, may vary. For more information, visit the Student Loan Center on  

Certain Federal Benefits Will Be Lost or Not Available: If you refinance your federal loans through this PNC Education Refinance Loan, you will lose or not be able to select other payment plans available to federal student loan borrowers, such as income contingent repayment or income based repayment. In addition, federal student loans offer deferment, forbearance and loan forgiveness options that may not be available under a PNC Education Refinance Loan. Please compare your current benefits with this program to ensure any loss of existing benefits is fully understood.


Important Legal Disclosures & Information

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