Loan Eligibility
PA Forward was designed for PA residents attending an approved school in or out of state, and residents of approved states1 attending a PA school regardless of enrollment status, including those enrolled less than half-time2. All borrowers must be citizens or permanent residents of the United States. For parent loans, the dependent undergraduate student must be enrolled at least half-time in a degree, certificate, or diploma-granting program. Parents or guardians must meet the minimum credit qualifications. To be eligible for a refinance loan, borrowers must currently be in repayment.
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 the 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.