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.

Private Health Residency Loan

An education loan for Health Professions Residency.[1]

0.50% rate discount with auto pay[2]

Start Application


Resume Saved Application

Medical Residency Rates
Features & Benefits
Cosigner Information
Ways to Apply
Calculator
Apply Now

Health Professions Residency Loan Rate Ranges[3]

  5 Year[3]
 10 Year[3]
 15 Year[3]
Fixed APRs
 3.19 - 11.14% 8.39 - 13.89% 8.74 - 14.24%
Variable APRs
 3.99 - 11.14% 8.39 - 13.89% 8.74 - 14.24%
Monthly Principal & Interest
Payment on a $10,000 loan		 $180.77 - $219.12 $123.82 - $155.49 $100.24 - $135.58

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 any education-related expense.

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 $1,000 - $15,000.[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 borrower.

How can a Cosigner help you?

Over 90% of our student borrowers have a cosigner.[7]

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]

Apply Online

Apply Now

Apply by Phone

Call 1-800-762-1001

Apply in Branch

Find a Branch

Learn more about the Residency Student Loan application process

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

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 Information

  • 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.

You may choose from immediate repayment, interest-only payments or full deferral while enrolled. Full principal and interest payments begin 180 days after you cease to be enrolled in a medical residency or internship. Interest will continue to accrue through any deferment and is capitalized at repayment.[4]

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 Residency Loan Limits: $15,000

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.

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