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.

PNC Student Lending Application Process[1]

What to Expect with PNC

Eligibility
Requirements
How to Apply
Repayment
Applications
Contact Us

Determine If You Are Eligible

View our Student Loan Products to determine eligibility.

Undergraduate Loans

  • Be enrolled or enrolling at least half time as determined by your school.
  • 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.
  • Borrower must be at least the age of majority in his or her state of residence or be at least 17 years old and apply with a creditworthy cosigner who is the age of majority.
  • Both borrower and cosigner, if applicable, are subject to credit approval. Additional documentation may be required.
  • The borrower on an individual application and the borrower and cosigner on a joint application, if applicable, must demonstrate current and continuous income.
  • Loan amounts up to the school-certified cost of attendance minus financial aid for well-qualified applicants. Other maximums may apply based on credit qualifications.[2]

Graduate Loans

  • Be enrolled or enrolling at least half time as determined by your school.
  • 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.
  • Borrower must be at least the age of majority in his or her state of residence or be at least 17 years old and apply with a creditworthy cosigner who is the age of majority.
  • Both borrower and cosigner, if applicable, are subject to credit approval. Additional documentation may be required.
  • The borrower on an individual application and the borrower and cosigner on a joint application, if applicable, must demonstrate current and continuous income.
  • Loan amounts up to the school-certified cost of attendance minus financial aid for well-qualified applicants. Other maximums may apply based on credit qualifications.[2]

Health & Medical Professions Loans

  • Be enrolled or enrolling in an undergraduate, graduate, or professional degree or certificate program. See approved disciplines
  • 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.
  • Borrower must be at least the age of majority in his or her state of residence or be at least 17 years old and apply with a creditworthy cosigner who is the age of majority.
  • Both borrower and cosigner, if applicable, are subject to credit approval. Additional documentation may be required.
  • The borrower on an individual application and the borrower and cosigner on a joint application, if applicable, must demonstrate current and continuous income.
  • Loan amounts up to the school-certified cost of attendance minus financial aid for well-qualified applicants. Other maximums may apply based on credit qualifications.[2]

Health Professions Residency Loans

  • Be enrolled at least half time as determined by your school in a graduate or professional degree or certificate program.
  • Be participating in a PNC-approved MD, DDS, DO or DVM residency programing or planning to participate in a residency program within the next academic year.
  • 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.
  • Borrower must be at least the age of majority in his or her state of residence or be at least 17 years old and apply with a creditworthy cosigner who is the age of majority.
  • Both borrower and cosigner, if applicable, are subject to credit approval. Additional documentation may be required.
  • The borrower on an individual application and the borrower and cosigner on a joint application, if applicable, must demonstrate current and continuous income.
  • Loan amounts $1,000 - $15,000.

Bar Study Loans

  • Have graduated from an ABA-accredited law school within the last six months, or be a professional student enrolled at least half time in the final year at an ABA-accredited law school.
  • 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.
  • Borrower must be at least the age of majority in his or her state of residence or be at least 17 years old and apply with a creditworthy cosigner who is the age of majority.
  • Both borrower and cosigner, if applicable, are subject to credit approval. Additional documentation may be required.
  • The borrower on an individual application and the borrower and cosigner on a joint application, if applicable, must demonstrate current and continuous income.
  • Loan amounts $1,000 - $15,000.

Requirements

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

1

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 educational institution verifying acceptance/ enrollment or a letter of acceptance from a medical residency program.
  • Specific to Bar Loan Only: Verification of Enrollment – A letter from the eligible educational institution verifying graduation date or a copy of transcript document showing anticipated graduation date.
2

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
3

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 Only: Disbursement 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.

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

Student Application Options

Review all Solution Loan options below

Undergraduate
Loans

For students seeking an undergraduate degree.

Apply Now
Learn More

Graduates &
Professionals

For graduate students seeking an advanced degree.

Apply Now
Learn More

Health & Medical
Professions

For undergraduate and graduate students in a health-related field.

Apply Now
Learn More

Health Professions Residency

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

Apply Now
Learn More

Bar
Study

For law students to cover the cost of the bar exam.

Apply Now
Learn More

Have Questions?

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

Call Us

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

Call 1-800-762-1001

Let's Start A Conversation

Fill out a contact form and we'll get in touch.

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Schedule an Appointment

Make an appointment with a PNC Specialist nearest you.

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Find Your Local Branch

Use the PNC Locator to get directions to a local PNC branch.

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