How to Apply for a PNC Student Loan

Determine If You Are Eligible

View our Student Loan Products to determine eligibility.

Undergraduate Loans

Be enrolled or enrolling at least half time as determined by your school.
Borrower and cosigner, if applicable, must be U.S. citizens or permanent resident aliens.
Borrower must be at least the age of majority in his or her state of residence or be at least 17 years old and apply with a creditworthy cosigner who is the age of majority.
Both borrower and cosigner, if applicable, are subject to credit approval. Additional documentation may be required.
The borrower on an individual application and the borrower and cosigner on a joint application, if applicable, must demonstrate current and continuous income.
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.^[2]

Graduate Loans

Be enrolled or enrolling at least half time as determined by your school.
Borrower and cosigner, if applicable, must be U.S. citizens or permanent resident aliens.
Borrower must be at least the age of majority in his or her state of residence or be at least 17 years old and apply with a creditworthy cosigner who is the age of majority.
Both borrower and cosigner, if applicable, are subject to credit approval. Additional documentation may be required.
The borrower on an individual application and the borrower and cosigner on a joint application, if applicable, must demonstrate current and continuous income.
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.^[2]

Health & Medical Professions Loans

Be enrolled or enrolling in an undergraduate, graduate, or professional degree or certificate program. See approved disciplines
Borrower and cosigner, if applicable, must be U.S. citizens or permanent resident aliens.
Borrower must be at least the age of majority in his or her state of residence or be at least 17 years old and apply with a creditworthy cosigner who is the age of majority.
Both borrower and cosigner, if applicable, are subject to credit approval. Additional documentation may be required.
The borrower on an individual application and the borrower and cosigner on a joint application, if applicable, must demonstrate current and continuous income.
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.^[2]

Health Professions Residency Loans

Be enrolled at least half time as determined by your school in a graduate or professional degree or certificate program.
Be participating in a PNC-approved MD, DDS, DO or DVM residency programing or planning to participate in a residency program within the next academic year.
Borrower and cosigner, if applicable, must be U.S. citizens or permanent resident aliens.
Borrower must be at least the age of majority in his or her state of residence or be at least 17 years old and apply with a creditworthy cosigner who is the age of majority.
Both borrower and cosigner, if applicable, are subject to credit approval. Additional documentation may be required.
The borrower on an individual application and the borrower and cosigner on a joint application, if applicable, must demonstrate current and continuous income.
Loan amounts $1,000 - $15,000.

Bar Study Loans

Have graduated from an ABA-accredited law school within the last six months, or be a professional student enrolled at least half time in the final year at an ABA-accredited law school.
Borrower and cosigner, if applicable, must be U.S. citizens or permanent resident aliens.
Borrower must be at least the age of majority in his or her state of residence or be at least 17 years old and apply with a creditworthy cosigner who is the age of majority.
Both borrower and cosigner, if applicable, are subject to credit approval. Additional documentation may be required.
The borrower on an individual application and the borrower and cosigner on a joint application, if applicable, must demonstrate current and continuous income.
Loan amounts $1,000 - $15,000.

Undergraduate Loan
Graduate Loan
Health & Profession Loan
Residency Loan
Bar Study Loan

Requirements

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.

How to Apply

Gather Important Information

Personal information

Driver’s license (or state ID)
Social Security number
Email address (make sure this is an email you check often)
Cosigner email address (if applicable)
Information from Financial Aid Letter

Employment (if applicable)

Employer information
Proof of income (paystubs, W2s, taxes, etc.)

College/University Information

Name
Date of enrollment
Academic term
Expected graduation date
Specific to Residency Loan Only: Verification of Enrollment – A letter from the eligible educational institution verifying acceptance/ enrollment or a letter of acceptance from a medical residency program.
Specific to Bar Loan Only: Verification of Enrollment – A letter from the eligible educational institution verifying graduation date or a copy of transcript document showing anticipated graduation date.

Complete Application

Enter the loan amount you are requesting (up to the school’s cost of attendance minus other financial aid)
Select your preferred repayment term. Various repayment terms available
Select rate type: Fixed rate or variable rate. A fixed rate will not change over the life of the loan. A variable rate may change based on prime rate or another rate index

Learn More about Fixed and Variable Student Loans

Review & Finalize Your Application

Sign Self Certification
Your school verifies enrollment and loan amount requested (Bar Study Loan only verifies enrollment, not loan amount requested)
Sign Credit Agreement (legal document that includes the terms of the loan between the borrower and lender)
Disbursement sent to the school on the date the school requests
Specific to Residency & Bar Loans Only: Disbursement is sent directly to the borrower

Repayment Options

Start paying now for less interest in the long run. Explore options that best
fit your financial needs.

Immediate Repayment

Make full monthly payments while you are in school and during your grace period. You will pay less interest and pay off debt faster.

Interest Only

Make interest-only payments while you are in school and during your grace period, which makes your monthly payment lower. You will pay more interest.

Fully Deferred

Make no payments while you are in school and during your grace period. You will pay the most interest on your loan with this repayment option.

Student Application Options

Learn More

Student Loan Options
Student Loan Options

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

Call 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.

For important information, view the Application and Solicitation Disclosure.
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.

PNC and PNC Solution Loan are registered marks 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.

Sign On to Online Banking or select another service

Banking

Borrowing

INVESTING & MANAGING WEALTH

Explore Topics

Popular

Featured

How Mobile Banking Can Help You Save Time and Money

Stay Informed on News and Issues Impacting PNC Customers

Security & Privacy

Support

How Can We Help You

get a clear picture of where you are today and plan for the future you want

Checking & Savings. Together.

Earn Unlimited 2% Cash Back on Purchases

Introducing Low Cash Mode®

Earn $200

Welcome to PNC! How can we help you today?

Sign On to Online Banking or select another service

PNC Student Lending Application Process[1]

What to Expect with PNC

Determine If You Are Eligible

View our Student Loan Products to determine eligibility.

Undergraduate Loans

Graduate Loans

Health & Medical Professions Loans

Health Professions Residency Loans

Bar Study Loans

Requirements

How to Apply

Gather Important Information

Complete Application

Review & Finalize Your Application

Repayment Options

Start paying now for less interest in the long run. Explore options that best fit your financial needs.

Immediate Repayment

Interest Only

Fully Deferred

Student Application Options

Review all Solution Loan options below

Undergraduate Loans

Graduates & Professionals

Health & Medical Professions

Health Professions Residency

Bar Study

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

ON THE GO

ABOUT

Sign On to Online Banking
or select another service

Sign On to Online Banking
or select another service

PNC Student Lending Application Process^[1]

Start paying now for less interest in the long run. Explore options that best
fit your financial needs.

Undergraduate
Loans

Graduates &
Professionals

Health & Medical
Professions

Bar
Study