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What is PNC Bank?
PNC Bank is a national financial services company that formerly provided student-loans. As of December 18, 2025, PNC stopped lending to in-school or refinance borrowers. They continue other operations, including traditional banking services such as checking and savings accounts, along with mortgages, personal loans and credit cards.
PNC Bank Customer Service
PNC's Student Lending Center is still available to help borrowers whose loans were submitted prior to December 18, 2025. Their customer service team is available over the phone Monday though Friday. The two loan servicers they work with - American Education Services (AES) and Aspire - are also available to assist you.
PNC Bank Student Loans
Student loans through PNC Bank could be used for any education related expense. Borrowers were able to choose from a fixed or variable rate. PNC student loans had no application or origination fees and borrowers in repayment can qualify for an interest rate reduction with automated payments from a checking or savings account. There is also a cosigner release option that is available.
PNC Bank student loan options included:
- Undergraduate loans
- Graduate loans
- Health and medical school loans
- Health professions residency loans
- Bar exam loans
- Student loan refinancing
PNC Undergraduate Student Loans
PNC Bank undergraduate student loans were available to use for any education related expense. When applying online, borrowers could receive a preliminary decision within minutes of submitting their application. Annual percentage rates vary depending on credit worthiness and the repayment terms. Students were able to apply for a cosigner release after successfully making 48 consecutive, on-time payments and meeting all other requirements as disclosed in the terms and conditions of your loan. Lastly, PNC undergraduate student loans have zero application or origination fees, and students can get an interest rate reduction with automated payments from a check or savings account.
Some eligibility requirements include:
- Must be an undergraduate student enrolled at least half-time
- Must be a U.S. citizen or permanent resident alien
- Lived in the U.S. for the previous two years
- Must have satisfactory credit and proof of employment and income history
- Must meet debt-to-income requirements
PNC Bank Graduate Student Loans
With a PNC graduate student loan, students could use the funds to pay for post-bachelor's programs. Just like the undergraduate loan, a PNC graduate student loan features no application or origination fees, and you can receive an interest rate reduction when choosing automated payments from a checking or savings account. Cosigner release is also available.
Some eligibility requirements include:
- Must be enrolled at least half-time in a graduate degree program as determined by your school
- Be a U.S. citizen or legal permanent resident alien
- Reside in the U.S. for the previous two years
- Must have proof of employment and income history
- Must meet debt-to-income requirements
PNC Health Professions Loan
Health professions loans are another category that was formerly available through PNC Bank for those enrolled in a program, such as medical school, nursing, pharmacy, etc. Existing borrowers can request a deferment of their loan during residency as long as it does not exceed the program maximum of 10 1/2 years, including the 180 day grace period.
Some eligibility requirements include:
- Must be an undergraduate or graduate health professions student enrolled at least halftime in school
- Be a U.S. citizen or have resided in the U.S. the last 2 years
- Must have proof of employment and steady income history
- Must meet debt-to-income requirements
PNC Health Profession Residency Loan
With a PNC Health Profession Residency Loan, you had the option of applying up to a year before your residency began. Students could borrow up to $15,000 and have the choice of 5, 10, and 15 year repayment terms. Those who chose the option to have automated payments taken from a checking or savings account could qualify for a 0.50% reduction of your interest rate.
Some eligibility requirements include:
- Be attending a PNC approved medical residency program or at least be planning to attend within a year.
- Must meet credit and proof of income requirements
- Be a U.S. citizen or permanent resident, or have resided in the United States for at least 2 years
PNC Bank Bar Study Student Loan
The PNC Bank bar study student loan was for students enrolled at least half time at an approved ABA-accredited law school with less than six months left until graduation (or students who’ve graduated from an accredited school within the last six months). For existing borrowers, flexible repayment terms are available, along with a 6 month grace period.
Some eligibility requirements include:
- Must take bar exam no later than 6 months after graduation
- Must have graduated from a PNC-approved law school within the last six months, or be enrolled at least half time at a PNC-approved law school and be graduating within the next six months
- Be a U.S. citizen or have lived in the U.S. the last 2 years
- Must have satisfactory credit and proof of employment and income history
- Must meet debt-to-income ratio
PNC Bank Student Loan Refinancing
Refinancing your existing student loans with PNC allowed you to combine multiple loans into a single loan, simplifying your payments, lowering your interest rate, and potentially lowering/reducing monthly payments (depending on the repayment term).
PNC Bank student loan refinancing options include:
- Federal student loans
- Private student loans
- Federal parent loans (including Parent PLUS)
- Private consolidation/refinance loans (previously refinanced loans through private lender)
Pros and Cons of PNC Bank Student Loans
| Pros | Cons |
|---|---|
| Existing customers or borrowers whose applications were submitted prior to December 18, 2025 may still receive in-school and refinance loans. | PNC no longer makes loans to new borrowers after December 18, 2025. |
PNC Bank Headquarters
PNC Bank is headquartered in Pittsburgh, PA at the Tower in PNC Plaza.
