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Compare Student Lending Options

        

      

Federal Direct Loans

 

Federal Direct PLUS Loans

 

PNC Solution Loan®

 

Federal Direct Grad PLUS Loans

 

Borrower

Student

Dependent student's biological or adoptive parent or stepparent

Student

Independent graduate student

Lender

U.S. Government

U.S. Government

PNC Bank

U.S. Government

Annual Loan Limit

Undergraduates, $5,500/$12,500 (dependent/independent); graduate students, $20,500; medical school students, $40,500

Up to 100% of your cost of attendance minus other financial aid

Undergraduates: $50,000
Graduate Students: $65,000
Medical Residents and Bar Exam: $15,000

Up to 100% of your cost of attendance minus other financial aid

Interest Rate

Undergraduate loans, 2.75%; Graduate loans, 4.30%

5.30%

Fixed from 4.49% to 9.64% (APRs from 4.49% to 9.64%) or variable from LIBOR + 3.26% to LIBOR + 8.41% (currently 2.91% to 8.06% APR) (effective 1/1/2021). The LIBOR index is currently 0.15%.

5.30%

Origination Fees

1.059% of loan amount

4.236% of loan amount

0%

4.264% of loan amount

Interest Rate Discount for Automatic Payments

0.25%

0.25%

0.5%

0.25%

Payment Deferment While in School

No payments due until 6 months after graduation or enrollment in school less than half time

No payments due until 6 months after graduation or enrollment in school less than half time

No payments due until 6 months after graduation or enrollment in school less than half time. Making interest-only payments while enrolled in school is also an option.

No payments due until 6 months after graduation or enrollment in school less than half time

Repayment Plans

10 years with flexibility to extend up to 25 years, and multiple repayment options (visit direct.ed.gov for more information)

10 years with flexibility to extend up to 25 years, and multiple repayment options (visit direct.ed.gov for more information)

5, 10 and 15 years standard repayment[1]

10 years with flexibility to extend up to 25 years, and multiple repayment options (visit direct.ed.gov for more information)

FAFSA Required

Yes

Yes

No

Yes

Credit Check Required

No

Yes

Yes

Yes

Co-signer or Endorser Required

No

Borrowers with adverse credit history may be required to apply with an endorser

No, unless borrower is under 17. Most PNC Solution Loan borrowers have applied with a co-signer, as applying with a co-signer may increase your chances of approval

Borrowers with adverse credit history may be required to apply with an endorser

Co-signer or Endorser Release Available

No

No

Yes, after 48 consecutive on-time payments; borrower must pass a credit check[2]

No

Satisfactory Academic Progress Required

Yes

Yes

No

Yes

Federal Direct Loans

 

Borrower

Student

Lender

U.S. Government

Annual Loan Limit

Undergraduates, $5,500/$12,500 (dependent/independent); graduate students, $20,500; medical school students, $40,500

Interest Rate

Undergraduate loans, 2.75%; Graduate loans, 4.30%

Origination Fees

1.059% of loan amount

Interest Rate Discount for Automatic Payments

0.25%

Payment Deferment While in School

No payments due until 6 months after graduation or enrollment in school less than half time

Repayment Plans

10 years with flexibility to extend up to 25 years, and multiple repayment options (visit direct.ed.gov for more information)

FAFSA Required

Yes

Credit Check Required

No

Co-signer or Endorser Required

No

Co-signer or Endorser Release Available

No

Satisfactory Academic Progress Required

Yes

Federal Direct PLUS Loans

 

Borrower

Dependent student's biological or adoptive parent or stepparent

Lender

U.S. Government

Annual Loan Limit

Up to 100% of your cost of attendance minus other financial aid

Interest Rate

5.30%

Origination Fees

4.236% of loan amount

Interest Rate Discount for Automatic Payments

0.25%

Payment Deferment While in School

No payments due until 6 months after graduation or enrollment in school less than half time

Repayment Plans

10 years with flexibility to extend up to 25 years, and multiple repayment options (visit direct.ed.gov for more information)

FAFSA Required

Yes

Credit Check Required

Yes

Co-signer or Endorser Required

Borrowers with adverse credit history may be required to apply with an endorser

Co-signer or Endorser Release Available

No

Satisfactory Academic Progress Required

Yes

PNC Solution Loan

 

Borrower

Student

Lender

PNC Bank

Annual Loan Limit

Undergraduates: $50,000
Graduate Students: $65,000
Medical Residents and Bar Exam: $15,000

Interest Rate

Fixed from 4.49% to 9.64% (APRs from 4.49% to 9.64%) or variable from LIBOR + 3.26% to LIBOR + 8.41% (currently 2.91% to 8.06% APR) (effective 1/1/2021). The LIBOR index is currently 0.15%.

Origination Fees

0%

Interest Rate Discount for Automatic Payments

0.5%

Payment Deferment While in School

No payments due until 6 months after graduation or enrollment in school less than half time. Making interest-only payments while enrolled in school is also an option.

Repayment Plans

5, 10 and 15 years standard repayment[1]

FAFSA Required

No

Credit Check Required

Yes

Co-signer or Endorser Required

No, unless borrower is under 17. Most PNC Solution Loan borrowers have applied with a co-signer, as applying with a co-signer may increase your chances of approval

Co-signer or Endorser Release Available

Yes, after 48 consecutive on-time payments; borrower must pass a credit check[2]

Satisfactory Academic Progress Required

No

Federal Direct Grad PLUS Loans

 

Borrower

Independent graduate student

Lender

U.S. Government

Annual Loan Limit

Up to 100% of your cost of attendance minus other financial aid

Interest Rate

5.30%

Origination Fees

4.264% of loan amount

Interest Rate Discount for Automatic Payments

0.25%

Payment Deferment While in School

No payments due until 6 months after graduation or enrollment in school less than half time

Repayment Plans

10 years with flexibility to extend up to 25 years, and multiple repayment options (visit direct.ed.gov for more information)

FAFSA Required

Yes

Credit Check Required

Yes

Co-signer or Endorser Required

Borrowers with adverse credit history may be required to apply with an endorser

Co-signer or Endorser Release Available

No

Satisfactory Academic Progress Required

Yes

Important Legal Disclosures and Information

  1. View important disclosure and repayment information for the Undergraduate, Graduate Student, Health Professions, Health Professions Residency, or Bar Study loan.

  2. 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.

PNC encourages students to explore all scholarship, grant and federal borrowing options before applying for a private loan. Private loans are subject to credit approval. Certain restrictions and conditions apply.

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.

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