Private Student Loans: Student Lending Center

$10,000 Scholarship. Undergraduate & Graduate.
12 Winners. Enter Today.^[3]

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PNC Student Loan Options

Undergraduate Loans
Graduate Loans
Health & Medical Professions
Health Professions Residency
Bar Study

Undergraduate Loans

For associates or bachelor's degrees

For undergraduate students who are enrolled at least half time in a degree or certificate program.

Fixed APRs Range From

3.59% - 13.99%^[4]

Variable APRs Range From

4.09% - 14.49%^[4]

Rates include a 0.50% discount for automated payments. Rates within the range may vary based on repayment term, repayment option and other factors. Lowest rates for well-qualified applicants.^[2][4]

For important rate details

Learn More

Features & Benefits

How to Apply

FAQs

Apply Now

Resume Saved Application

Graduate Loans

For master's or doctoral degrees

For graduate or professional students who are enrolled at least half time in a degree or certificate program.

Fixed APRs Range From

3.59% - 13.99%^[4]

Variable APRs Range From

4.09% - 14.49%^[4]

For important rate details

Learn More

Features & Benefits

How to Apply

FAQs

Apply Now

Resume Saved Application

Health & Medical Professions

For undergraduate and graduate health-related fields

For undergraduate and graduate students who are enrolled at least half time in a health-related degree program.

Fixed APRs Range From

3.59% - 13.99%^[4]

Variable APRs Range From

4.09% - 14.49%^[4]

For important rate details

Learn More

Features & Benefits

How to Apply

FAQs

Apply Now

Resume Saved Application

Health Professions Residency

For master's or doctoral degrees

For MD, DDS, DO and DVM residents who need to cover interview and relocation costs.

Fixed APRs Range From

3.59% - 13.99%^[4]

Variable APRs Range From

4.09% - 14.49%^[4]

For important rate details

Learn More

Features & Benefits

How to Apply

FAQs

Apply Now

Resume Saved Application

Bar Study

For bar exam

For law students who need to cover the costs associated with the bar exam.

Fixed APRs Range From

3.59% - 13.99%^[4]

Variable APRs Range From

4.09% - 14.49%^[4]

For important rate details

Learn More

Features & Benefits

How to Apply

FAQs

Apply Now

Resume Saved Application

PNC Student Refinancing

For combining multiple student loans into one.^[5]

For borrowers seeking to lower monthly payments, pay off their loan quicker, or reduce their overall interest expense.^[6]

Features & Benefits

How to Apply

Get Started

Apply Now

Resume Saved Application

How can a Cosigner help you?

Over 90% of our student borrowers have a cosigner.^[7]

A cosigner may help you:

Obtain a lower rate
Lower monthly payments
Increase your chance of approval

Explore more benefits of using a cosigner

Option to release the cosigner in the future^[8]

Ways to Apply

Apply now to receive a preliminary decision within minutes.^[1]

Calculate Payments

Estimate the cost of your loan payment using our customized payment tools.

Undergraduate, Health & Medical Professions Calculator

Graduate, Health & Medical, Bar & Residency Calculator

Refinance Student Loans Calculator

Paying for College

Learn about options to help pay for college, including financial aid and college savings plans, and explore resources to assist in budgeting and planning.

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Student Insights

Thought Leadership articles to help with student loan debt.

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A Pell Grant is a need-based federal grant that helps students cover college costs. Find out who is eligible and how to apply for this vital aid.

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Loans are subject to credit approval. Certain restrictions and conditions apply. NOTE: Applying with a creditworthy cosigner who is the age of majority in their state is required for 17-year old applicants and when the applicant is not the age of majority in the state they reside.

PNC Solution Student Loans and PNC Education Refinance Loan are private loans. Federal loans have features and benefits such as income-driven repayment plans, deferment, forbearance and loan forgiveness options that may not be available under a private loan. Certain federal benefits will be lost or not available if you refinance federal loans through a private loan. You are encouraged to explore all scholarship, grant and federal borrowing options before applying for a private loan.

Application Process: When you are applying for a PNC Solution Student Loan or the PNC Education Refinance Loan, you will be transferred to the website of one of our service providers. A list of information required to complete your application will be provided during the application process. For more information, access the PNC Student Lending Application Process page or the PNC Education Refinance Application Process page.

PNC Solution Student Loan Limits: Loan limits will not exceed 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. Bar Study and Health Residency Loans limits are $15,000. PNC Education Refinance Loan Limits: Loan limits up to $200,000 based on level of degree attained. Minimum Loan Amount: Solution Loans - $1,000; PNC Education Refinance Loan - $10,000. Maximum Aggregate Educational Debt (including federal and private student loans): Up to $225,000. Well-qualified graduate students up to $350,000.

For important information, view the Application and Solicitation Disclosure: Solution Loans, Education Refinance Loan

The hours to apply by phone are Monday through Friday: 8 a.m. to 5 p.m. ET.
Automated Payment Discount: During repayment, an interest rate discount of 0.50% is available for automated payments. Payments must be made from a checking or savings account. Advertised rates include the 0.50% automated payment interest rate discount. The rate discount will be applied at the time automated payment is established. If automated payment is discontinued at any time, including to enter a deferment or forbearance period, the discount will be removed and the rate will increase by 0.50%.
Scholarship: No purchase necessary to win. Void where prohibited or restricted by law. A purchase or transaction does not increase your chances of winning. Entries will be accepted at pnc.com/scholarship. The Scholarship is open to students enrolled at least half-time in a PNC Solution Loan®-eligible college or university who are 18 years of age or older (or the age of majority in their state) at time of the drawing. To enter, you must create an account, meet the eligibility requirements, and opt in to the drawing and agree to the Official Rules. Once you have created the account and have opted into the Scholarship, you will be eligible for the subsequent two drawings that take place within 12 months of registration. Employees of Bonterra Tech LLC and The PNC Financial Services Group, Inc., their affiliates, subsidiaries, advertising and promotion agencies, as well as such employees’ immediate family members (or persons living in the same household), are not eligible. The Scholarship is governed by the law of the Commonwealth of Pennsylvania. Six (6) $10,000 college scholarships will be awarded twice each calendar year. Odds of winning will depend on the number of eligible entries received. On or about June 1 and December 1, winners will be drawn at random from all entries submitted. Winners will be contacted by email and/or telephone. Taxes are responsibility of winner. Prizes are not transferable. No substitution of prizes permitted. Scholarship winners will be required to execute and return a Verification of Eligibility and Release of Liability. See official Scholarship rules at pnc.com/scholarship. Sponsored by PNC Bank, National Association.
Annual Percentage Rates (APRs) include a 0.50% interest rate discount for automated payments. Lowest APRs available to well-qualified applicants. Rate ranges encompasses rates for all available repayment terms and are for the immediate repayment option. Interest-only and fully deferred repayment options while in school are also available. Rates may vary by repayment term and repayment option. Your actual APR will be based on your credit qualifications, loan type, interest rate option, repayment term, repayment option and whether you elect the automated payment feature. For more details and to access important rate & product information, visit the loan product pages: Undergraduate, Graduate, Health & Medical Professions, Health Residency, Bar Study.
Certain Federal Benefits Will Be Lost or Not Available if you refinance your federal loans through this PNC Education Refinance Loan. Please compare your current benefits with this program to ensure any loss of existing benefits is fully understood. In addition, we recommend that you review and have a clear understanding of the Federal relief available and how it may impact your situation. When you refinance your existing federal student loan debt with PNC, you may waive current or potential future benefits and protections.
Refinance Loans: A refinance loan is a new loan that replaces an existing loan. 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 student loan payment, but may also increase the total interest paid over the life of the loan. Refinancing at a shorter repayment term may increase your student loan payment, but may lower the total interest paid over the life of the loan. Contact us to discuss the option that best meets your needs.
Data based on PNC Student Loans (Undergraduate, Graduate, Health & Medical Professions, Health Professions Residency and Bar Study) originated in 2024. Impact of cosigner may vary and final loan terms are subject to credit approval.
Cosigner Release: Requires that the borrower has made at least forty-eight (48) consecutive and timely payments (or fewer, if required by applicable state law) of principal and interest with no periods of interruption within that time frame. To qualify, the borrower must submit a request, meet the consecutive and timely payment requirements, provide proof of income, and pass a credit check.

PNC and PNC Solution Loan are registered marks of The PNC Financial Services Group, Inc.

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.

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Private Student Loans

Find the right student borrowing solution.[1]

$10,000 Scholarship. Undergraduate & Graduate. 12 Winners. Enter Today.[3]

PNC Student Loan Options

Undergraduate Loans

For associates or bachelor's degrees

Learn More

Graduate Loans

For master's or doctoral degrees

Learn More

Health & Medical Professions

For undergraduate and graduate health-related fields

Learn More

Health Professions Residency

For master's or doctoral degrees

Learn More

Bar Study

For bar exam

Learn More

PNC Student Refinancing

For combining multiple student loans into one.[5]

Get Started

How can a Cosigner help you?

Ways to Apply

Apply now to receive a preliminary decision within minutes.[1]

Apply Online

Apply by Phone

Apply in Branch

Calculate Payments

Estimate the cost of your loan payment using our customized payment tools.

Paying for College

We Also Recommend

Student Insights

Thought Leadership articles to help with student loan debt.

Have Questions?

If you have any questions, our customer service consultants are available to assist you.

Call Us

Let's Start A Conversation

Schedule an Appointment

Find Your Local Branch

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Find the right student borrowing solution.^[1]

$10,000 Scholarship. Undergraduate & Graduate.
12 Winners. Enter Today.^[3]

For combining multiple student loans into one.^[5]

Apply now to receive a preliminary decision within minutes.^[1]