Eligibility for Undergrad, Grad, or Parent Loans

The PA Forward Student Loan Program is designed specifically for students parents/guardians of students who are enrolled or who plan to be enrolled in a degree, certification, 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.
The loan is mean for:

• Any PA resident of 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

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, perhaps, may get you a better interest rate.