PNC and PNC Solution Loan are registered marks of The PNC Financial Services Group, Inc.
IMPORTANT NOTICE: As of December 18, 2025 at 10 a.m. EST, PNC will no longer be accepting new student or education refinance loan applications, including student loan applications for the academic year 2026/2027. We encourage you to explore alternative loan options to finance your educational goals. Applications in process may click here to resume. Refer to the FAQs below for more information.
Student Lending
Important Information About Rates & Fees
Fixed Annual Percentage Rates (APRs) are based on the creditworthiness of the borrower and cosigner, if any. For the fixed rate loan, the monthly payment will remain fixed for the term of the loan. Variable Annual Percentage Rates (APRs) 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 7.00%. If the index increases or decreases, your rate will increase or decrease accordingly. The rate will not exceed 18%.
PNC Solution Student 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.
PNC Solution Student Loan Limits: Loan limits may go up to the school-certified cost of attendance minus financial aid for well-qualified applicants. Undergraduate/ Undergraduate Health & Medical Professions limits ranging from $50,000 - $75,000 and Graduate/ Graduate Health & Medical Professions /Accelerated Undergraduate Health and Medical Professions limits ranging from $65,000 - $105,000 may apply based on credit criteria. Loan limits are for an academic school year. Minimum Loan Amount: $1,000. Maximum Aggregate Educational Debt (including federal and private student loans): Up to $225,000. Well-qualified graduate students up to $350,000.
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 3.19% to 14.24% for a fixed-rate loan and from 3.99% to 14.24% for a variable-rate loan.
PNC Education Refinance Loan (PERL) APRs shown are for the displayed loan amount.
PNC Education Refinance Loan Maximum Loan Amounts: Vary based on level of degree attained. Available repayment terms and rates may also vary based on level of degree attained.
- $10,000 - $25,000 Did Not Graduate,
- $10,000 - $75,000 Associate Degree,
- $10,000 - $175,000 Undergraduate Degree,
- $10,000 - $200,000 Graduate Degree.
Repayment terms are 5, 10, 15 or 20 years. The 20-year repayment term is only available for borrowers with an Undergraduate or Graduate degree borrowing over $75,000. Rates may vary by loan amount, repayment term and level of degree attained. APRs encompassing all loan amounts, repayment terms and level of degree attained currently range from 5.79% - 15.04% for a fixed-rate loan and from 6.19% - 15.89% for a variable-rate loan.
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), repayment option (for a Solution Loan), level of degree attained (for a PNC Education Refinance Loan) and whether you elect the automated payment feature.
APRs include a 0.50% discount for automated payment. The rate discount will be applied at the time automated payment is established. If automated payment is discontinued at any time, the discount will be removed and the rate will increase by 0.50%.
Loan Payment Examples: Payment amounts displayed are estimated. Actual payment may vary based on APR, interest rate option, repayment option (for Solution Loans), repayment term and level of degree attained (for Refinance Loans). Repayment example ranges for each loan program, interest rate option, repayment term, immediate repayment option for Solution Loans and level of degree for Refinance Loan are also available on pnconcampus.com
Application and Solicitation Disclosures:
Loans are subject to credit approval. Certain restrictions and conditions apply. Rate, terms and conditions are as of 12/01/2025 and 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 about our products, visit the Student Loan Center on pnc.com.
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.
Refinance Loans: Impacts of refinancing on your rate and/or payment will depend upon the terms and conditions of your current loan(s) versus those of a refinance loan. Refinancing at a longer repayment term may lower your monthly student loan payments, but may also increase the total interest paid over the life of the loan. Refinancing at a shorter repayment term may increase your monthly student loan payments, but may lower the total interest paid over the life of the loan. For example, if you have a 15-year loan that matures in 10 years and you refinance for another 15 years at a lower rate, your payments will be lower, but you will pay interest for an additional 5 years. Contact us to discuss the option that best meets your needs.
International Borrowers: PNC does offer student loan to international students. The borrower must be a US citizen, permanent U.S. resident alien (with Green Card), or non-permanent resident alien (with a Visa). The cosigner, if applicable, must be a U.S. citizen or permanent U.S. resident alien.
FAQs
As of December 18, 2025 at 10 AM EST, PNC will no longer be accepting new student or education refinance loan applications, including student loan applications for the academic year 2026/2027.
Therefore, you will no longer be able to apply for a PNC Student Loan (Undergraduate, Graduate, Health & Medical Professions, Health Professions Residency, Bar Study) or PNC Education Refinance Loan as of that date.
Application records that were created before 10:00 AM EST on December 18, 2025, will still be eligible for submission. As long as an application ID has been created, applicants will have up to 30 days from the start date to complete and submit their application.
You do not need to take any action. For borrowers with a pending loan application, there is no impact on the current process. All pending applications will be considered in accordance with our underwriting, and all pending disbursements will be duly made.
You do not need to take any action. For borrowers with pending loan disbursements, there is no impact on the current process. All pending disbursements will be made as scheduled.
No – your loan servicing provider will not change at this time. Your loans will continue to be serviced by American Education Services (AES) or Aspire.
No. The terms and conditions of your loan(s) will remain the same as stated in your Credit Agreement(s) and Final Disclosure(s).
No. This change is not related to your credit score.
No, this change does not provide you the opportunity or enable you to transfer your current loans to another lender. If you are interested in refinancing any current student loans, you should explore education refinance loan options that may be offered by other financial institutions.
You do not need to take any action. Your loan(s) will still be serviced by AES or Aspire. There is no impact on the current process related to deferment. AES or Aspire will contact you regarding details about repayment when the time comes.
You do not need to take any action. Your loan(s) will still be serviced by AES or Aspire. There is no impact on loan repayment. You should continue to make your loan payments as required.
No. PNC student loans are private student loans. Private student loans do not qualify for federal programs or forgiveness.
For general questions and questions regarding active loan applications, contact PNC at 1-800-762-1001.
- Monday through Friday: 8 a.m. – 5 p.m. ET.
For questions related to servicing, contact your current servicer:
- AES at 1-800-233-0557
- Monday through Friday: 7:30 a.m. – 9:00 P.M. ET
- Aspire at 1-800-243 -7552
- Monday through Friday: 8 a.m. – 6 P.M. CT