Private Student Loans: Student Lending Center

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.

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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

3.19% - 14.24%^[4]

Variable APRs Range From

3.99% - 14.24%^[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.^[3][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

3.19% - 14.24%^[4]

Variable APRs Range From

3.99% - 14.24%^[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

3.19% - 14.24%^[4]

Variable APRs Range From

3.99% - 14.24%^[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

3.19% - 14.24%^[4]

Variable APRs Range From

3.99% - 14.24%^[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

3.19% - 14.24%^[4]

Variable APRs Range From

3.99% - 14.24%^[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.

Get Started

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 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

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Have Questions?

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

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Monday through Friday: 8 a.m. to 5 p.m. ET

1-800-762-1001

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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.
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 Student 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.
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%.
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.

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Private Student Loans

Find the right student borrowing solution.[1]

$10,000 Scholarship. 12 Winners. Enter today.

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

FAQs

When does the change take effect?

What happens if an applicant started their application before 10:00 AM on 12/18/25?

Will this impact my current approved loan, which has pending disbursements?

Will my loan servicing provider change?

Does this impact the terms and conditions of my current loans, such as the interest rate or repayment terms?

Will this have any impact on my credit score?

Can I transfer my loan(s) to another lender?

What if my loan(s) is/are in deferment?

What if my loan(s) is/are in repayment?

Does my PNC student loan qualify for any federal programs or forgiveness?

Who should I contact with questions?

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

Important Legal Disclosures & Information

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Find the right student borrowing solution.^[1]

$10,000 Scholarship.
12 Winners. Enter today.

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

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