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|5 Year||10 Year||15 Year|
|Fixed APRs||4.19 - 8.34%||4.69 - 8.84%
||5.19 - 9.34%
|Variable APRs||1.96 - 6.11%
||2.46 - 6.61%
||2.96 - 7.11%
|Monthly Principal & Interest Payment on a $10,000 loan||$175.24 - $205.10||$94.18 - $126.27||$68.95 - $103.86|
Annual Percentage Rates (APRs) displayed are for the immediate repay option and include a 0.50% discount for automatic payments. Unlike interest rates, APRs represent interest rates inclusive of any fees and deferment periods. 
Choose your interest rate option:
variable or fixed rate
No application or origination fees. Also, get 0.50% off your rate with automated payments from your checking or savings account.
You (and your co-signer, if applicable) will need to provide personal information like:
You'll also need specifics around the school you want to attend:
You'll also need employment information for you (and the co-signer, if applicable)
Student and co-signer, if any, must:
Student and co-signer, if any, must:
Applying with a creditworthy co-signer may increase chances of approval.
For Medical Accelerated students only:
Supporting Our Servicemembers
The PNC Student Loan Center is grateful for your service and we would like to help you understand your benefits and protections under the Servicemembers Civil Relief Act (SCRA).
The SCRA provides eligible service members with financial relief and protections that apply to private and federal student loans. They may enable you to:
PNC will also apply benefits and protections on eligible accounts, including:
To find out more, please contact us at:
Application Process: When you are applying for a PNC Solution Loan, you will be transferred to the website of one of our service providers. A list of information required to successfully complete your application will be provided during the application process. Borrowers and co-signers will need to provide personal information including a driver’s license or state ID, employment and income information. PNC Solution Loan borrowers will need their financial aid award letter.
Loan Limits: Annual loan maximum: $50,000 for undergraduates and $65,000 for graduate students. Maximum aggregate educational debt (including federal and private student loans): $225,000.
Fixed Annual Percentage Rates (APRs): Fixed rates are based on the creditworthiness of the borrower and co-signer, if any. Loan Payment Example: Estimated monthly payment per $10,000 borrowed at a fixed rate range of 4.69% APR to 8.84% APR for 10 years means you would make 120 payments which may range from $104.76 to $126.27. For the fixed rate loan, the monthly payment will remain fixed for the term of the loan.
Variable Annual Percentage Rates (APRs): Variable rates are based on the London Interbank Offered Rate (LIBOR) index plus a margin depending on the creditworthiness of the borrower and co-signer, if any. The LIBOR index, adjusted quarterly, is equal to the average of the one-month LIBOR rates as published in the “Money Rates” section of the Wall Street Journal on the first business day of each of the three (3) calendar months immediately preceding each quarterly adjustment date. The LIBOR index is currently .15%. If the index increases or decreases, your rate will increase or decrease accordingly. Loan Payment Example: Estimated monthly payment per $10,000 borrowed at a variable rate range of 2.46% APR to 6.61% APR for 10 years means you would make 120 payments which may range from $94.18 to $114.42. For the variable rate loan, the monthly payment may increase or decrease if the interest rate increases or decreases.
APRs displayed are effective as of 4/1/2021 and include the 0.50% interest rate discount for automatic payments. The range of rates displayed are for immediate repayment option. The lowest APR is available to well-qualified applicants. Your actual APR will be based on your credit qualifications, selection of fixed or variable rate option, loan program, repayment term, repayment option and whether you elect the automatic payment feature. Payments vary for other rates, repayment terms and repayment options. Rates subject to change at any time.
For additional rate and loan cost information view loan Application and Solicitation Disclosures.
Automatic Payment Discount: During repayment, an interest rate discount of 0.50% is available for automatic payments. Borrower must be making scheduled payments that include both principal and interest. Interest only payments do not qualify for the 0.50% interest rate discount. Automatic payment can be established through the loan servicer American Education Services (AES). Advertised rates include the 0.50% automatic payment interest rate discount. The rate discount will be applied at the time automatic payment is established. If automatic payment is not established, the available rates will be 0.50% higher than the advertised rates. If automatic payment is established and discontinued at any time during repayment, the borrower will no longer receive an automatic payment discount and the rate will increase by 0.50%. Discount may also be suspended during periods of forbearance or deferment. Payments may be made from a checking or savings account. PNC limits the number of transfers that may be made from a savings or money market account. Please see your account agreement for more information.
Co-Signer Release: A request to release a co-signer requires that, as of the date of the request, you have made at least forty-eight (48) consecutive timely payments of principal and interest with no periods of forbearance or deferment within the forty-eight (48) month timeframe. “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 forty-eight (48) months straight without any interruption. To qualify for a co-signer release, the borrower must submit a request, meet the consecutive, timely payment requirements, provide proof of income and pass a credit check.
Repayment Options: Three repayment options are available - Immediate repayment, interest only payments while in school and full deferment of principal & interest. Interest will continue to accrue during periods of deferment. You will receive quarterly interest statements during the 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.
Please Note: PNC reserves the right to discontinue any or all terms of this program at any time without notice. Loans may be sold to other financial organizations; however, the interest rate and term of the loan will not change if a loan is sold.
You are encouraged to explore all scholarship, grant and federal borrowing options before applying for a private loan.
PNC Solution Loans are subject to credit approval. Certain restrictions and conditions apply.
PNC does not provide accounting, tax or legal advice. Any calculators provided are intended for educational and estimation purposes only, and their accuracy is not guaranteed. The calculators, and any results displayed, do not constitute the advice of, or reflect actual products, services, rates and/or terms available from PNC Bank or its affiliates, and nothing contained in the calculators shall constitute an offer or solicitation of a product or service by PNC Bank or its affiliates.
PNC Solution Loan is a registered mark of The PNC Financial Services Group, Inc.
Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.