.png){kind=small}
%20(1).png)
Financial Aid Webinars
Representatives from the Pennsylvania Higher Education Assistance Agency (PHEAA) will be providing 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!
​
Click here to register for the Webinars today!*​
​
*Please be advised that you are leaving The Neffs National Bank website at www.neffsnatl.com to a link available from this web page, either via a menu item or direct link. We are not liable for the content, incorrectness, errors, omissions or opinions expressed on these websites. We are merely providing the Internet link to these sites for your convenience. Any questions or comments concerning these external sites should be directed to them directly.
Loan with Pennsylvania Students in Mind
Through the PA Forward Student Loan Program, the Pennsylvania Higher Education Assistance Agency (PHEAA) offers private education loan options to enable Pennsylvania students to pursue their higher education dreams and to make managing their loans easier and more convenient.
​
The PA Forward Student Loan Program has the following benefits:
-
No application or origination fees
-
Low, fixed interest rates
-
Multiple repayment options
-
Potential interest rate rewards
-
No prepayment penalty
​
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.).
​
Loan Eligibility
PA Forward was designed for PA residents attending an approved school in or out of state, and residents of approved states * attending a PA school regardless of enrollment status, including those enrolled less than half-time. ** 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.
Loan Types
Currently there are six loan types in the PA Forward Student Loan Program.
Undergraduate Loan
Graduate Loan
For students in a degree, certificate, or diploma-granting program.
For students seeking an advanced degree such as a masters, law, MBA, Ph.D., or others.
Parent Loan
Refinance Loan
For parents or guardians of dependent undergraduate students enrolled at least half-time in a degree, certificate, or diploma-granting program.
For those currently in repayment who want assistance with managing their student debt. Get payment estimates too!
Medical Loan
Health Professional Loan
For students seeking a medical, dental, osteopathic, podiatry, or veterinary degree.
For students seeking a doctor of chiropractic, doctor of optometry, nurse practitioner, occupational therapy, pharmacy, physical therapy, speech-language pathology, or other graduate health professional degree.
* PA Forward approved states include DE, MD, NJ, NY, OH, VA, and WV.
**Loans taken for a less than half-time academic period may borrow up to $5,000—this does not apply to the medical or health professional loans.
Plan Ahead and Be a Smart Borrower
The world of student aid can sometimes be difficult to navigate. However, it doesn't have to be. We have gathered information that will make it easier for you to understand.
Education Planner
My Smart Borrowing
You Can Deal With It
This career and college planning website provides practical and easy-to-understand advice to help prepare students for the important decisions they will face in the future.
Using this interactive tool you can create up to 4 different scenarios to see how your career and college choices may affect how much you pay for college and if you are at risk for overborrowing.
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.