Student Loan FAQs

Answers to most frequently asked questions from borrowers.

Private Student Loans

Should I choose a Fixed or Variable Rate?

A Fixed Rate does not change during the life of the loan. A Variable Rate changes during the life of the loan and it is based on an index that changes plus a fixed margin. The PNC Solution Loan® variable rate is based on the Prime Rate index.

All rates are based on the creditworthiness of the borrower and cosigner at the time of application.

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How does student loan refinancing work?

When you refinance student loans, you can replace an existing loan or loans with a new loan that has new terms, including a new interest rate, monthly payment amount and repayment term.

Educational Lending Insights


Financial Aid for College: Know Your Options

Whether you’re a student or the parent of a student, your college planning should include an understanding of the various types of financial aid that may be available to help you manage college costs. This article provides insights into the basic types of financial aid.

4 min read


How to Apply for Federal Financial Aid

Getting federal financial aid for college begins with knowing where and how to apply. Here are some tips to help you navigate the process.

4 min read


What Is Need-based Financial Aid and How Is It Calculated?

One of the challenges of going to college is PAYING for college. Need-based financial aid helps many students foot the bill.

2 min read

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Important Legal Disclosures & Information

You are encouraged to explore all scholarship, grant and federal borrowing options before applying for a private loan. PNC Solution Loans and PNC Education Refinance Loans are subject to credit approval. Certain restrictions and conditions apply.

PNC does not provide accounting, tax or legal advice. Financial literacy content and interactive calculators are provided for educational, informational and illustrative purposes only. The utilization of calculators and any results displayed do not represent an offer or solicitation for a product or service by PNC Bank or its affiliates. PNC does not guarantee the accuracy or applicability of these resources to your circumstances. Please consult a financial, tax or legal advisor regarding your specific situation. 

PNC Solution Loan is a registered mark of The PNC Financial Services Group, Inc.

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