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.).

The PA Forward Student Loan Program is designed specifically for students or parents or guardians of students who are enrolled or who plan to be enrolled at least half-time 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
• All borrowers must be citizens or permanent residents of the United States
• Borrowers and/or co-signers who meet the minimum credit requirements

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
• All borrowers must be citizens or permanent residents of the United States
• Borrowers and/or co-signers who meet the minimum credit 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 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.