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Loans with Pennsylvania Students in Mind
JVB is proud to partner with the Pennsylvania Higher Education Assistance Agency (PHEAA) to help students in the Central Pennsylvania area achieve their full potential. Through the PA Forward Student Loan Program, PHEAA offers private student loan options to enable Pennsylvania students to pursue their higher education dreams and to make managing their loans easier and more convenient.
The PA Forward Student Loan Program offers many benefits, including:
- No application or origination fees
- Low fixed interest rates
- Multiple repayment options
- Potential interest rate rewards
- No prepayment penalty
For undergrad, grad, and parent loans, you can even borrow up to 100% of the certified cost of attendance (tuition, fees, room, board, books, etc.).
Eligibility for Undergrad, Graduate, or Parent Loans
The PA Forward Student Loan Program is designed specifically for students or parents/guardians of students who are enrolled or who plan to be enrolled in a degree, certificate, or diploma granting program. For Parent loans, the student must be enrolled half-time. These loans are meant for:
- PA residents attending an approved school in or out of PA
- Students from an approved state (DE, MD, NJ, NY, OH, VA, and WV) attending an approved PA school
- U.S. citizens or eligible non-citizens of the U.S.
- Borrowers and/or co-signers who meet the minimum credit requirements
Eligibility for Refinance Loans
The PA Forward Refinance Loan is a loan designed specifically for those who are in repayment and want assistance with managing their student debt. This loan is meant for:
- Any PA resident or resident of an approved state (DE, MD, NJ, NY, OH, VA, and WV) who is the borrower for the student loans
- Borrowers who are currently in repayment
- U.S. citizens or eligible non-citizens of the U.S.
- Borrowers and/or co-signers who meet the minimum credit requirements
Co-signer Requirements
The PA Forward Student Loan Program does not require you to have a co-signer unless you have not met the age of majority based on your law of your state of residence or you do not meet the minimum credit requirements. However, you may benefit from a creditworthy co-signer. Having a co-signer may increase your chances that the loan will be approved and may also help you to qualify for a better interest rate.
Loan Types
There are currently four loan types in the PA Forward Student Loan Program:
>> Undergraduate Loan
Designed for students seeking an undergraduate degree, certificate, or diploma.
>> Graduate Loan
Designed for students seeking an advanced degree such as a master's, doctoral, law, health profession, or others.
>> Parent Loan
Designed specifically for parents or guardians of dependent undergraduate students.
>> Refinance Loan
Designed for borrowers in repayment to manage their student debt. Get payment estimates, too!
For specific loan program questions, please call 1-844-PAFORWD (1-844-723-6793).
Learn More About Student Loans & Financial Aid
The world of student aid can be confusing and overwhelming at first, but it doesn't have to be. Follow the link below for some resources to help you financially plan for college and beyond.
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