I am a new or returning borrower and would like to apply for a loan.	I would like to co-sign an existing loan application.	I have already applied and would like to check the status of my loan.

Borrower Eligibility
Since the PNC Bank Alternative Loan is based upon creditworthiness, parents or other credit-worthy individuals often act as co-signers on this loan.

• Students must be enrolled at least half-time in a degree-seeking program at an approved school, or in a certificate program.*
• Both the borrower and co-signer (if applicable) must be U.S. citizens or permanent residents.
• Borrower and co-signer (if applicable) must meet the credit underwriting guidelines.

* Students enrolled in a certificate program must have previously earned a baccalaureate or master's degree. Students in a certificate program can be less than half-time. Eligible programs include accountancy, business administration, information systems, leadership studies and teacher certification.

The PNC Bank Alternative Loan is based on creditworthiness. We can not guarantee that everyone who applies will qualify. If there is an issue with qualifying, you may call PNC Bank/American Education Services at 1-800-859-5138, Monday through Friday from 7:30am to 9pm Eastern time.

Rather apply via mail? Download the PNC Bank Alternative Loan Application and Master Promissory Note

Please note: PNC Bank reserves the right to modify, expand or discontinue the discount terms of these programs at any time without notice. Loans may be sold to other financial organizations, however the interest rate and term of the loan will not change if a loan is sold. Loans through the PNC Alternative Loan Program are subject to credit approval.