Private Undergraduate Student Loan

PNC Solution Loan® is an education loan for
undergraduate students.[1]

Undergraduate Student Loan Rates

Fixed APR

6.69% - 13.89%

Variable APR

8.44% - 15.64%

Includes a 0.50% discount for automated payment.[3] Range covers repayment terms from 5 to 15 years.[2]  
Rates may vary by term. Additional Rate Details

Key Features & Benefits

With a PNC Solution Loan you can use the funds for any education-related expense

Flexible Repayment

  • 5, 10, and 15 year repayment terms available.[2]
  • Immediate repayment, interest-only payments while in school and full deferment of principal and interest options available.[5]
  • For deferred payments, repayment begins six months after you graduate or cease to be enrolled in school at least on a half-time basis.[5]

Save Money

  • No application fees or origination fees.
  • Get 0.50% off your rate with automated payments from your checking or savings account.[3]

Product Details

  • Funds are sent directly to the school.
  • Cosigner Release: Borrower can apply for a cosigner release after 48 consecutive on-time monthly payments.[4]
  • Undergraduate and graduate students in a health-related field can explore the PNC Health and Medical Professions Loan

Rate Ranges for PNC Solution Undergraduate Loan[2]

  5 Year
10 Year
15 Year
Fixed APRs
6.69 - 11.94%
8.29 - 13.54%
8.64 - 13.89%
Variable APRs
8.44 - 13.69%
10.04 - 15.29%
10.39 - 15.64%
Monthly Principal & Interest
Payment on a $10,000 loan
$197.09 -  $232.38
$123.28 - $164.14 $99.65 - $145.30

Rates include a 0.50% discount for automated payments.[3] and are for the immediate repayment option.[5]
Lowest rates for well-qualified applicants. View Loan Application and Solicitation disclosure

$2,000 Scholarship.
12 Winners. Enter today.

Financial knowledge and help with finances can improve your college experience. Here's a chance to get both.[6]

Learn More About the Student Solution Scholarship

What You Need to Apply

Before you start your application, review the list
of information you'll need to provide.


Student must:

  • Be enrolled or enrolling in a undergraduate degree program or a certificate program
  • Be enrolled or enrolling at least half time as determined by your school
  • Both the Student and cosigner (if any) must be a U.S. Citizen or permanent resident

Additional Information to Provide

You (and your cosigner, if applicable) will need to provide personal information like:

  • Social Security number, driver's license (or State ID), date of birth
  • Home phone number, home address and the number of years you lived there
  • Email for your cosigner (if applicable)
  • Information like your mortgage or rent payments, where you work
    and how much you make per year

Tell us a little more about your school

You'll need specifics around the school you want to attend:

  • Information like your school's name, major and degree type.
  • School enrollment date, academic term(s) that the loan will cover (full year, one semester, etc.) as well as expected graduation date.


Student and cosigner, if any, must:

  • Have satisfactory credit and proof of employment and income history.
  • Have been in business for at least two years if self-employed.
  • Meet debt-to-income requirements.

Start Your Application Today

Apply now to receive a preliminary decision within minutes.[1] Have Questions? Call to speak to a student lending representative.

Planning for College

Explore options to help pay for a college education,
from understanding costs and financial aid to grants,
scholarships and college savings plans.

Get Started

Calculate Rate & Payments

You’re a few steps away from finding your preferred option to funding your education.

Use the tool below to see different rates and payment information.

Estimate the cost of your student payment using our customizing payments tool.

Student Lending Payment Calculator

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.

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


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

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

Email Us

Monday through Friday: 24/7

Related Resources

Student Lending

Student Loan Center

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

Tools and Resources

Student Loans - FAQs

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


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.