Private Graduate
Student Loan

An education loan for graduate students.^[1]

0.50% rate discount with auto pay^[2]

Graduate Loan Rate Ranges^[3]

	5 Year^[3]	10 Year^[3]	15 Year^[3]
Fixed APRs	3.59 - 8.84%	8.39 - 13.64%	8.74 - 13.99%
Variable APRs	4.09 - 9.34%	8.89 - 14.14%	9.24 - 14.49%
Monthly Principal & Interest Payment on a $10,000 loan	$182.59 - $210.04	$123.82 - $157.02	$100.24 - $137.29

Rates include a 0.50% discount for automated payments and are for the immediate repayment option.^[2][4]
Lowest rates for well-qualified applicants. View Loan Application and Solicitation disclosure

Key Features & Benefits

With a PNC Solution Loan® you can use the funds for education-related expense and receive a preliminary decision within minutes of applying online.

Save Money

No application fees or origination fees.
Get 0.50% off your rate with automated payments from your checking or savings account.^[2]

Flexible Repayment

5, 10, and 15 year repayment terms available.^[3]
Immediate repayment, interest-only payments while in school and full deferment of principal and interest options available.^[4]
For deferred payments, repayment begins six months after you graduate or cease to be enrolled in school at least on a half-time basis.^[4]

Product Details

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.^[5]
Cosigner Release: Borrower can apply for a cosigner release after 48 consecutive timely monthly payments (or fewer, if required by applicable state law).^[6]
Funds are sent directly to the school.

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

Need help paying for college or grad school? Enter to win today — no essay or minimum GPA required.^[7]

Learn More and Enter for the Scholarship

How a Student Loan Can Help Finance Your Education

Solution Loan funds can be used to help pay for the expenses listed below. Your school can help calculate your remaining costs after other financial aid is applied.

Tuition
Fees
Housing
Food/Meal Plan
Books and Supplies
Transportation
Miscellaneous Expenses

How can a Cosigner help you?

Over 90% of our student borrowers have a cosigner.^[8]

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^[6]

Ways to Apply

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

Planning 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

Payment Calculator

You're a few steps away from finding your preferred option to fund your education.

Estimate the cost of your loan payment using our customized payment tool.

Student Lending Payment Calculator

Additional Information

For additional rate and loan cost information view loan Application and Solicitation Disclosures
APRs represent interest rates inclusive of any fees and deferment periods.

Unpaid interest is capitalized one-time at start of repayment. This interest is added to the principal amount of your loan
Interest may be tax deductible; consult your tax advisor
Outstanding debt will be forgiven upon the death of the borrower

Applying with a creditworthy cosigner may increase chances of approval. A cosigner is typically required for undergraduate students; a creditworthy cosigner is required for 17-year old students.

The SCRA provides financial relief and protections to eligible servicemembers and their dependents. PNC is grateful for your service and we would like to help you understand your benefits and protections under SCRA as well as other similar benefits that PNC may be able to provide to you.

To find out more, please contact us at:

Phone: 844-PNC-SCRA (844-762-7272)

Fax: 855-568-4532

Email: Servicemembers@pnc.com

PNC Bank
Servicemembers Operations Center, BR-YB58-01-U
PO Box 5570
Cleveland, OH 44101-0570

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

Minimum Loan Amount: $1,000.

Maximum Aggregate Educational Debt (including federal and private student loans): Up to $225,000. Well-qualified graduate students up to $350,000.

Student Insights

Thought Leadership articles to help with student loan debt.

Borrow

What is Student Loan Deferment?

Learn about student loan deferment and its benefits. Explore types like economic hardship and in-school deferments and find out which suits you.

5 min read

Borrow

What Is FAFSA & How Does It Work?

Discover how the FAFSA can help secure financial aid for college. Learn about the eligibility criteria, required documents, and important deadlines.

6 min read

Borrow

What Is a Pell Grant and How Does It Work?

A Pell Grant is a need-based federal grant that helps students cover college costs. Find out who is eligible and how to apply for this vital aid.

4 min read

Related Resources

Student Lending

Student Loan Center

Learn the facts, get answers and find the right private student loan for you.

Learn More

Tools and Resources

Student Loans - FAQs

Get some answers to frequently asked questions and learn how PNC can help you with your borrowing options.

Learn More

Refinance

PNC Education Refinance Loan

Looking for a way to simplify your college or grad school debt repayment? Our PNC Education Refinance Loan maybe just the solution for you. Simplify your college or grad school debt repayment with one lender, one monthly payment.

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

1-800-762-1001

Let's Start A Conversation

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

Request Contact

Schedule an Appointment

Make an appointment with a PNC Specialist nearest you.

Schedule an Appointment

Find Your Local Branch

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

PNC Locator

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.

The PNC Solution Student Loan is a private loan. 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. 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, 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.

The hours to apply by phone are Monday through Friday: 8 a.m. to 5 p.m. ET
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. Automated payment is established through the loan servicer American Education Services (AES). 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 not established, the available rates will be 0.50% higher than the advertised rates. If automated payment is established and discontinued at any time during repayment, including to enter a deferment or forbearance period, the borrower will no longer receive an automated payment discount and the rate will increase by 0.50%.
Annual Percentage Rates (APRs): APRs include a 0.50% interest rate discount for automated payments. Rates are as of 6/1/2025 and subject to change at anytime.

Fixed Annual Percentage Rates (APRs): Fixed rates are based on the creditworthiness of the borrower and cosigner, if any.

Variable Annual Percentage Rates (APRs): Variable rates are based on the Prime Rate index plus a margin depending on the creditworthiness of the borrower and cosigner, if any. The Prime index, adjusted monthly, is equal to the Prime Rate as published in the “Money Rates” section of The Wall Street Journal ‘(Eastern Edition)’ on the first business day of the immediately preceding calendar month. The Prime index is currently 7.50%. If the index increases or decreases, your rate will increase or decrease accordingly. The rate will not exceed 18%.

APRs shown are for the immediate repayment option. Interest-only and fully deferred repayment options while in school are also available. The lowest rates for those repayment options may be higher than the lowest rates for immediate repayment.

The lowest APR is available to well-qualified applicants. Your actual APR will be based on your credit qualifications, loan program, interest rate option, repayment term, repayment option and whether you elect the automated payment feature.

Loan Payment Examples: The monthly payment per $10,000 borrowed at a fixed-rate range of 8.39% APR to 13.64% APR for 10 years means you would make 120 payments that may range from $123.82 to $153.97. The monthly payment per $10,000 borrowed at a variable-rate range of 8.89% to 14.14% APR for 10 years means you would make 120 payments that may range from $126.54 to $157.02. For the variable-rate loan, monthly payment may increase or decrease if the interest rate increases or decreases. Estimated loan payment examples assume 30 days to first payment and are for the immediate repayment option. Payments vary for other rates, loan amounts and repayment terms.

For additional rate and loan cost information view loan Application and Solicitation Disclosures.
Repayment Options: Three repayment options are available - Immediate repayment of principal & interest, interest-only payments while in school and full deferment of principal & interest until six months after graduating or ceasing to be enrolled at least half-time in school. Interest will continue to accrue during periods of deferment. You will receive quarterly interest statements during this deferment period. Paying the interest as it accrues each quarter will save you money over the repayment term of the loan because any accrued interest that you do not pay will be added to the principal balance at the end of the deferment period.
PNC Solution Student Loan Limits: Loan limits may go up to 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. Minimum Loan Amount: $1,000. Maximum Aggregate Educational Debt (including federal and private student loans): Up to $225,000. Well-qualified graduate students up to $350,000.
Cosigner Release: A request to release a cosigner requires that, as of the date of the request, 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 forbearance or deferment within that time frame. “Timely payment” means each payment is made no later than the 15th day after the scheduled due date of the payment. “Consecutive payment” means the minimum monthly payment must be made for the most recent required number of months straight without any interruption. To qualify for a cosigner release, the borrower must submit a request, meet the consecutive and timely payment requirements, provide proof of income, and pass a credit check.
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 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.
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.

PNC and PNC Solution Loan are registered marks of The PNC Financial Services Group, Inc.

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Private Graduate Student Loan

An education loan for graduate students.[1]

Graduate Loan Rate Ranges[3]

Key Features & Benefits

With a PNC Solution Loan® you can use the funds for education-related expense and receive a preliminary decision within minutes of applying online.

Save Money

Flexible Repayment

Product Details

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

How a Student Loan Can Help Finance Your Education

Solution Loan funds can be used to help pay for the expenses listed below. Your school can help calculate your remaining costs after other financial aid is applied.

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

Planning for College

Payment Calculator

You're a few steps away from finding your preferred option to fund your education.

Additional Information

Application and Solicitation Disclosures

Additional Features & Benefits

Applying with a Cosigner

Servicemembers Civil Relief Act (SCRA)

Loan Limits

Student Insights

Thought Leadership articles to help with student loan debt.

Related Resources

Student Loan Center

Student Loans - FAQs

PNC Education Refinance Loan

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

SUPPORT

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ABOUT

Sign On to Online Banking
or select another service

Sign On to Online Banking
or select another service

Private Graduate
Student Loan

An education loan for graduate students.^[1]

Graduate Loan Rate Ranges^[3]

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

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