PNC Review  

By loansmack

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Key Features

  • Student loans for undergraduate and graduate.
  • Refinance student loans for former students.
  • Can apply with & without a cosigner; cosigner release offered.
  • Up to 15 year repayment terms.
  • Undergrad/Graduate Rates: Variable Rates – 4.39% – 11.48%  Fixed Rates – 6.21% – 12.99%. 
  • Refinance Rates: Variable Rates – 4.12% – 6.32%  Fixed Rates – 5.39% – 7.59%. 
  • No origination fees or prepayment penalties.
  • Interest-rate reduction of 0.50% if you enroll in Auto Pay.

About PNC

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PNC bank, established in 1845, offers a variety of banking services.  The student loan division allows students to take out loans to pay for college, as well as refinance student loans for people that have already graduated.  PNC also offers loans for health & medical professionals, loans to pay for residency, and bar study.


  • Interest-rate reduction of 0.50% if you enroll in Auto Pay.
  • Quick Application Process – You can apply in a few minutes.
  • No origination fees or prepayment penalties.


  • Rates – Depending on your credit or your cosigner's credit, you may not get your desired rate.  

How to get started with PNC

You can get started with PNC through their online process. Remember, when you get a rate estimate from a lender, this involves a 'soft credit' check, which will not affect your credit score.  When you decide to actually apply for a loan, the lender will do a hard credit pull which will slightly affect your credit score.

Documents you'll need for when applying to most lenders:

  • Government ID (passport, driver's license, green card).
  • Income verification (if applicable); this can include pay stubs, W-2's, etc.
  • Social Security number.
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