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.
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 Loan Cosigners
Explore the benefits to see if a cosigner is right for you
$10,000 Scholarship. Undergraduate & Graduate.
12 Winners. Enter Today.[1]
Benefits
Over 90% of our student borrowers have a cosigner.[2]
Students don’t always have a strong enough credit history or meet credit requirements to qualify for a loan on their own. A cosigner could make up for some of the requirements a student doesn’t meet.
A cosigner with established credit could help you:
- Get a lower rate
- Pay less each month
- Get approved more easily
You may apply to release the cosigner after 48 consecutive timely payments (or fewer, if required by applicable state law) (credit check required).[3]
Requirements
Generally, a cosigner could be a parent, guardian, relative, spouse, friend or another adult with good credit. Some things to consider:
- Choose someone you know and trust, since they share equal responsibility for the loan.
- Only one person can cosign for an individual loan, but you can choose a different person each year, if you want.
- You and your cosigner don’t need to live in the same state.
- A cosigner is also required for all 17-year-old applicants.
- The cosigner must be a U.S. citizen or permanent U.S. resident alien (with Green Card).
- The cosigner must be the age of majority in the state where they live.
How to Apply
After the student enters all necessary information, the cosigner will be prompted to complete a separate portion of the application:
- Name
- Social Security number
- Date of birth
- Address
- Income information
We’ll do a credit check for both the student and the cosigner.
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
Additional Frequently Asked Questions
Yes – the payment status of the loan is reported to the credit bureaus for both the student borrower and the cosigner.
After submitting the application, if approved, the borrower and cosigner may receive a Registration Email, Credit Approval Notice, Loan Configuration Notice, loan document notices, certification notices, and a disbursement notice.
If approved, you will also receive a Welcome Letter after the funds disburse. You may also receive letters when adjustments are made to the account, such as when deferment or forbearance periods are granted, and phone calls and reminder notices if the account becomes delinquent. You may also receive emails or texts if you consent to receive communications through those methods.
Yes! Once the loan books, you will receive a Welcome Letter with instructions on creating an account for loan servicing: making payments, address changes, and similar actions.
Yes, you can make payments using any of the available payment methods provided by American Education Services (AES) the loan servicer for PNC Education Loans. Payment methods include the AES mobile app, by phone, or through the mail by check or money order. You must first create your own account access to make payments online.
You share equal responsibility for the loan. If the student borrower fails to make payments and the loan becomes delinquent, you both will receive letters and calls until the delinquency is resolved. The payment status of the loan is reported to the credit bureaus for both the student borrower and the cosigner.
You are responsible for the entire life of loan until it is paid in full or if the borrower applies for cosigner release.
To qualify for cosigner release, the borrower must submit a request, make at least 48 consecutive, timely payments (or fewer, if required by applicable state law), provide proof of income, and pass a credit check. If approved, the cosigner will be released from the loan. The primary borrower will take on full responsibility for the remainder of the loan term.[3]
Cosigning a loan will impact your debt-to-income ratio which may impact your eligibility for other financial products. As the cosigner, you are responsible for the entire life of the loan until paid in full or if the borrower applies for and is granted cosigner release.
To qualify for cosigner release, the borrower must submit a request, make at least 48 consecutive, timely payments (or fewer, if required by applicable state law), provide proof of income, and pass a credit check. If approved, the cosigner will be released from the loan. The primary borrower will take on full responsibility for the remainder of the loan term.[3]
The primary borrower may apply to refinance the loan in the future as a solo applicant to remove you from the loan.
Student Application Options
Review all PNC Student Lending Options below.
Undergraduate
Loans
For students seeking an undergraduate degree.
Graduates & Professionals
For graduate students seeking an advanced degree.
Health & Medical Professions
For undergraduate and graduate students in a health-related field.
Health Professions Residency
For MD, DDS, DO and DVM residents to cover interview and relocation.
Bar
Study
For law students to cover the cost of the bar exam.
Refinance Student Loans
For combining multiple loans into one.
- Student Loan Options
- Student Loan Options