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Keystone Student Loans
Explore education financing options available through the Keystone Student Loan Program for students and families.
Explore education financing options available through the Keystone Student Loan Program for students and families.
Make educational dreams a reality.
Whether you're pursuing an undergraduate degree, continuing your education through a graduate program, or supporting a student on their educational journey, understanding available financing options is an important part of planning for college costs.
Through the Keystone Student Loan Program, eligible students and families in Maryland, Delaware, New Jersey, New York, Ohio, Virginia, and West Virginia have access to private education loan options that may be used for qualified education expenses after scholarships, grants, and federal aid have been considered.
Why Consider a Keystone Student Loan?
Keystone Student Loans offer:
- No application or origination fees
- Fixed interest rates
- Multiple repayment options
- Potential interest rate rewards for eligible borrowers
- No prepayment penalties
Loan Options for Different Educational Paths
Undergraduate Loan
For students enrolled in a degree, certificate, or diploma-granting program.
Graduate Loan
For students pursuing a graduate or professional degree, including master's, law, MBA, doctoral, and other eligible programs.
Medical Loan
For students pursuing eligible medical, dental, osteopathic, podiatry, or veterinary degree programs.
Health Professional Loan
For students pursuing eligible health profession degree programs, including chiropractic, optometry, nurse practitioner, occupational therapy, pharmacy, physical therapy, speech-language pathology, and other approved programs.
Parent Loan
For parents or guardians helping finance a dependent student's undergraduate education.
Refinance Loan
For eligible borrowers currently repaying student loans who are interested in refinancing existing education loan debt. Refinancing allows multiple education loans to be combined into a single loan. Eligibility and program requirements apply.
Not Sure Where to Start?
Paying for college involves more than choosing a loan. Understanding education costs, repayment responsibilities, and long-term financial goals can help students and families make informed decisions. We encourage you to explore educational resources as you plan for higher education and evaluate education financing options:
EducationPlanner.org– Guidance on college planning, career exploration, and preparing for higher education.
MySmartBorrowing.org– Interactive tools that help students and families understand borrowing needs and future repayment responsibilities
YouCanDealWithIt.com–Financial resources for college students and recent graduates navigating everyday financial decisions.
Before You Apply
After exploring these educational resources, return to this page to learn more about the PA Forward Student Loan Program and available education financing options.
Already Have Student Loans?
If you're managing existing student loan debt, refinancing may be worth exploring.
Eligible borrowers may be able to refinance existing student loans through the PA Forward Refinance Loan Program. Refinancing allows multiple student loans to be combined into one loan with a fixed interest rate and repayment term.
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