Keystone Student Loans
Through the Keystone Student Loan Program, the Pennsylvania Higher Education Assistance Agency (PHEAA) offers private education loan options to enable students in Maryland, Delaware, New Jersey, New York, Ohio, Virginia and West Virginia to pursue their higher education dreams and to make managing their loans easier and more convenient.
The Keystone Student Loan Program has the following benefits:
- No fees
- Low, fixed interest rates
- Multiple repayment options
- Potential interest rate rewards
- No prepayment penalty
Loan Types
Currently there are five loan types in the Keystone Student Loan Program.
| Undergraduate Loan | Graduate Loan | Medical Loan |
|---|---|---|
|
For students in a degree, certificate, or diploma-granting program.
|
For students seeking an advanced degree such as a masters, law, MBA, Ph.D., or others.
|
For students seeking a medical, dental, osteopathic, podiatry, or veterinary degree. |
| Health Professional Loan | Parent Loan |
|---|---|
|
For students seeking a doctor of chiropractic, doctor of optometry, nurse practitioner, occupational therapy, pharmacy, physical therapy, speech-language pathology, or other graduate health professional degree.
|
For parents or guardians of dependent undergraduate students enrolled at least half-time in a degree, certificate, or diploma-granting program. |
Looking to refinance your existing student loans?
Keystone’s lender, PHEAA, offers the PA Forward Refinance Loan which helps to simplify repayment by combining federal and private education loans into one convenient monthly payment. Eligible borrowers include residents from DE, MD, NJ, NY, OH, PA, VA, and WV—meaning all Keystone Student Loan borrowers and co-signers who are currently in repayment are eligible to refinance with PA Forward!
Plan Ahead & Be a Smart Borrower
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.
| EducationPlanner.org | MySmartBorrowing.org | YouCanDealWithIt.com |
|---|---|---|
|
This career and college planning website provides practical and easy-to-understand advice to help prepare students for the important decisions they will face in the future. |
Using this interactive tool, you can create up to four different scenarios to see how your career and college choices may affect how much you pay for college and if you are at risk for overborrowing. |
This website provides practical and easy-to-understand advice on how to deal with common financial situations facing today's college students and recent graduates. |
NOTE: If you visit one of the above sites, please remember to come back to this site if you decide to apply for a Keystone Student Loan.
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