PNC Student Lending Application Process[1]

What to Expect with PNC

Determine If You Are Eligible

View our Student Loan Products to determine eligibility.



Student and cosigner, if any, must:

  • Have satisfactory credit and proof of employment and income history.
  • Have been in business for at least two years if self-employed.
  • Meet debt-to-income requirements.

How to Apply


Gather Important Information

Personal information

  • Driver’s license (or state ID) 
  • Social Security number
  • Email address (make sure this is an email you check often)
  • Cosigner email address (if applicable)
  • Information from Financial Aid Letter 

Employment (if applicable)

  • Employer information 
  • Proof of income (paystubs, W2s, taxes, etc.)

College/University Information

  • Name
  • Date of enrollment
  • Academic term
  • Expected graduation date
  • Specific to Residency Loan Only: Verification of Enrollment – A letter from the eligible school verifying acceptance/enrollment, an invoice, class schedule, or receipt for applicable term. In the case of a new incoming student, a financial aid package or a signed advisor form on the eligible educational institution letterhead or acceptance letter from a medical residency program.
  • Specific to Bar Loan OnlyVerification of Enrollment – A letter from the eligible school verifying graduation date or Bar Exam Alternative Loan certification form.

Complete Application

  • Enter the loan amount you are requesting (up to the school’s cost of attendance minus other financial aid)
  • Select your preferred repayment term. Various repayment terms available
  • Select rate type: Fixed rate or variable rate. A fixed rate will not change over the life of the loan. A variable rate may change based on prime rate or another rate index

Review & Finalize Your Application

  • Sign Self Certification 
  • Your school verifies enrollment and loan amount requested (Bar Study Loan only verifies enrollment, not loan amount requested)
  • Sign Credit Agreement (legal document that includes the terms of the loan between the borrower and lender)
  • Disbursement sent to the school on the date the school requests
  • Specific to Residency & Bar Loans OnlyDisbursement is sent directly to the borrower

Repayment Options

Start paying now for less interest in the long run. Explore options that best
fit your financial needs.

Immediate Repayment

Make full monthly payments while you are in school and during your grace period. You will pay less interest and pay off debt faster.

Interest Only

Make interest-only payments while you are in school and during your grace period, which makes your monthly payment lower. You will pay more interest.

Fully Deferred

Make no payments while you are in school and during your grace period. You will pay the most interest on your loan with this repayment option.

Student Application Options

Review all Solution Loan options below

Have Questions?

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

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