PNC Education Refinance Loans are subject to credit approval. Certain restrictions and conditions apply.
The hours to apply by phone are Monday through Friday: 8 a.m. to 5 p.m. ET
5 Year | 10 Year | 15 Year | 20 Year | |
---|---|---|---|---|
Fixed APRs | 5.79% - 12.04% |
5.89% - 12.14% | 6.29% - 12.54% |
6.49% - 12.74% |
Variable APRs | 7.19% - 13.44% | 7.94% - 14.19% |
8.14% - 14.39% | 8.24% - 14.49% |
Rates include a 0.50% discount for automated payments.[3] 20 year term available for loan amounts over $75,000. Maximum loan amounts vary by degree attained.[4] Lowest rates are available to well-qualified applicants. View loan Application and Solicitation disclosure
5 Year | 10 Year | 15 Year | 20 Year | |
---|---|---|---|---|
Fixed APRs | 5.79% - 12.04% |
5.89% - 12.14% |
6.29% - 12.54% |
6.49% - 12.74% |
Variable APRs | 7.19% - 13.44% |
7.94% - 14.19% |
8.14% - 14.39% |
8.24% - 14.49% |
Rates include a 0.50% discount for automated payments.[3] 20 year term available for loan amounts over $75,000. Maximum loan amounts vary by degree attained.[4] Lowest rates are available to well-qualified applicants. View loan Application and Solicitation disclosure
5 Year | 10 Year | 15 Year | |
---|---|---|---|
Fixed APRs | 6.24% - 12.49% | 6.34% - 12.59% |
6.74% - 12.99% |
Variable APRs | 7.64% - 13.89% |
8.39% - 14.64% |
8.59% - 14.84% |
Rates include a 0.50% discount for automated payments.[3] Maximum loan amounts vary by degree attained.[4]
Lowest rates are available to well-qualified applicants. View loan Application and Solicitation disclosure
5 Year | 10 Year | 15 Year | |
---|---|---|---|
Fixed APRs | 8.29% - 14.54% |
8.39% - 14.64% |
8.79% - 15.04% |
Variable APRs | 9.69% - 15.94% |
10.44% - 16.69% |
10.64% - 16.89% |
Rates include a 0.50% discount for automated payments.[3] Maximum loan amounts vary by degree attained.[4]
Lowest rates are available to well-qualified applicants. View loan Application and Solicitation disclosure
Refinancing your existing student loans allows you to combine multiple loans into a single loan, making payments more manageable. You may be able to save on interest over the life of your loan or lower monthly payments. That means greater financial flexibility to meet your goals.
Simplify your payments when you combine your loans. You may be able to refinance multiple student loans into a single loan.
You’ll save time by making one payment each month instead of several. Plus, it's easier to remember a single payment date (not to mention a single online password) — so you don't have to worry about missing one.
Need more money to meet your budget needs? Refinancing now into a longer term loan can help lower your monthly payments and add flexibility to your budget.
Maybe you just need a little extra financial breathing room each month to feel comfortable. Lowering your monthly student loan payment may be the solution to ease your mind.
Paying off your student loan early could put you in a stronger financial position.
A shorter repayment term reduces the lifetime of the loan to help you meet your financial goals.
Whether you want to buy a home, invest in the stock market or save for retirement, refinancing your student loan debt today may help you prepare for what's ahead.
Please be aware of any loss of federal benefits that comes with refinancing your federal student loans.[5]
PNC encourages customers and prospects with existing federal student loan debt to carefully consider their options before applying for a refinance loan at PNC. We recommend that you review and have a clear understanding of the federal relief available and how it may impact your situation. When you refinance your existing federal student loan debt with PNC, you may waive current or potential future benefits and protections and replace those with the benefits of the PNC Education Refinance Loan.
Eligibility Criteria:
What You Need To Apply:
One way to help achieve your financial goals is to refinance your student loans. Whether you’re looking for the convenience of a single monthly payment or want to save money over the life of your student loan(s), PNC can help.[2]
The PNC Education Refinance Loan (PERL) is specifically designed for refinancing student loans. To learn more about the options available to meet your unique needs, watch our series of videos on student loan refinancing.
Video: Why Refinance
Consolidating your student loans can make managing your student debt simpler with only one service provider and one monthly payment.
Video: Simplifying Payments
Select the repayment term that best meets your financial goals: shorten your term to reduce total paid or extend your term to lower monthly payments.
Video: Repayment Period
You may want the security of knowing your rate is locked in for the life of your loan. Or, perhaps you'd prefer a lower rate right now, knowing you could pay more later on if rates go up. Whatever you decide, we've got you covered.
Video: Interest Rates
Learn what you need to get started, including what you'll need and how to apply.
Video: Getting Started
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
Speak to a sales representative about our products and services.
Find answers to FAQs and view additional phone numbers so we can further assist you.