Great Benefits!

Interest Rates as Low as 3.72% APR1

No Application or Origination Fees

Multiple Repayment Options

Loan Options

In School

Undergraduate Loan

A loan designed specifically for students seeking an undergraduate degree, certificate, or diploma.

Graduate Loan

A loan designed specifically for students seeking an advanced degree such as masters, doctoral, law, health profession, or others.

Parent Loan

A loan designed specifically for parents or guardians of dependent undergraduate students.

In Repayment

Refinance Loan

A loan designed specifically for borrowers in repayment to manage their student debt.

Application Process Made Easy


Check your eligibility


Create an account


Tell us about yourself/co-signer


Submit your application

Tip!You may benefit by applying with a co-signer.

For undergraduate, graduate, and refinance loans, most students may benefit from obtaining a creditworthy co-signer. Having a co-signer may increase your chances that the loan will be approved and, perhaps, may get you a better interest rate.

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Smart Borrowing

The world of student aid can sometimes be difficult to navigate. However, it doesn't have to be. We have gathered information that will make it easier for you to understand.

PHEAA is Invested in You!

We have been in the business of helping students for OVER 56 YEARS! Since 1963, our mission has been to create affordable access to higher education for students and families. PHEAA devotes energy and resources to develop innovative ways to ease the financial burden of higher education.

1 Annual Percentage Rate (APR) Calculations - The lowest APR is based on the following assumptions: a PA Forward Refinance loan of $20,000 made in a single disbursement, an Immediate Repayment Plan and a repayment term of 60 months, monthly on time payments of $365.90, a fixed periodic interest rate of 3.98%, and total payments of $21,953.91. The borrower in this sample qualified for a 0.25% Direct Debit benefit for the entirety of the repayment period.

This APR is an estimate and may differ from the actual rates received. More information about interest rates, including Annual Percentage Rates, is available for each loan program.

NOTE: Subject to aggregate loan limits.

Applicants, including co-signers, are subject to credit qualifications, completion of an application and credit agreement, and verification of application information.

PHEAA reserves the right to discontinue all programs or benefits without prior notice