Products & Services

The Keystone and PA Forward Student Loan Programs offer low, fixed rate loans with no application or origination fees tailored to meet your students' financing needs. With a variety of borrower benefits and flexible repayment plans, these private education loan programs help make higher education more affordable.

We also provide planning tools, financial aid resources, and educational support services to guide students and families every step of the way.

What We Offer

Great Features!

Low, Fixed Interest Rates

Multiple Interest Rate Reductions

Cover Past Due Balances

Satisfactory Academic Progress Not Needed*

Keystone Student Loans

For residents of DE, MD, NJ, NY, OH, VA, and WV planning to attend an

approved college

Approved School

Federally-approved educational institution under Title IV of the Higher Education Act of 1965

outside of PA.

LEARN MORE

PA Forward Student Loans

For students from PA attending an approved school in or out of PA or residents of DE, MD, NJ, NY, OH, VA, and WV planning to attend an

approved college

Approved School

Federally-approved educational institution under Title IV of the Higher Education Act of 1965

in PA.

LEARN MORE

Coming Soon

Graduate Loans for Medical & Health Professions

Keystone and PA Forward Student Loans are launching a new program for healthcare students, combining the same great benefits of our graduate loans with added flexibility tailored to medical, dental, veterinary, and health profession programs.

Fixed Interest Rates

Fixed rates mean students never have to worry about their rate going up.

Extended Deferment Support

Up to 6 years of deferment with just a $50 monthly payment.

Empowering Financial Independence

Reduced co-signer dependence helps students build credit and ownership early.

More information will become available this spring.

$2,500 No Essay College Scholarship

If you opt in to our email list, you'll be automatically entered to win one of twelve $2,500 scholarships to help pay for college! This scholarship* is for students who are enrolled or planned to be enrolled in college for the 2026-27 academic year.

Get Started

View Official Rules.

Online Ordering

You can order materials to provide families the information needed to plan for a student's future after high school using this secure form. Simply tell us who or what you are, and we'll provide a list of material designated for you.

GET STARTED

Financial Aid Webinars

Representatives from PHEAA provide a variety of webinars, including an overview of how to apply for all types of financial aid, reviewing financial aid offers, financial aid for non-traditional students, and more!

EXPLORE NOW

EducationPlanner

This career and college planning website provides practice and easy-to-understand advice to help prepare students for the important decisions they will face in the future.

VISIT EDUCATIONPLANNER

My Smart Borrowing

Not sure where you want to go to school or what career you want to pursue? No problem, MySmartBorrowing.org will be your guide so you can get an idea of how college and career choice affect your chances of over borrowing.

VISIT MY SMART BORROWING

YouCanDealWithIt

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.

VISIT YOU CAN DEAL WITH IT

In-School Budget Calculator

How you track, spend, and save money affects your current financial situation and your future success. Use the monthly and semester calculator modes to build your financial literacy with a budget calculator built specifically for a student's unique needs.

SEE IT IN ACTION

Keystone Student Loan Program Toolkit

This toolkit is designed to assist you in providing information about Keystone with downloadable material for your convenience.

CHECK IT OUT

PA Forward Student Loan Program Toolkit

This toolkit is designed to assist you in providing information about PA Forward with downloadable material for your convenience.

GO NOW

Contact a School Account Executive

Every school partnering with us is supported by a dedicated Account Executive. Our team brings decades of financial aid and student loan expertise to help schools streamline processes, strengthen relationships, and deliver smarter solutions for students and families.

Contact Now

*Satisfactory Academic Progress is required for Medical and Health Professional loans.