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PA Forward

Student Loans

Loan with Pennsylvania Students in Mind

Through the PA Forward Student Loan Program, the Pennsylvania Higher Education Assistance Agency (PHEAA) offers private student loan options to enable Pennsylvania students to pursue their higher education dreams and to make managing their loans easier and more convenient.

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.).

EligibilityCo-signerLoan TypesPlan Ahead
The PA Forward Student Loan Program can provide you with the following benefits:
No Prepayment Penalty
Low Fixed Interest Rates
Multiple Repayment Options
Potential Interest Rate Rewards
No Application or Origination Fees

Eligibility

PA Forward was designed for PA residents attending an approved school in or out of state, and residents of approved states1 attending a PA school regardless of enrollment status, including those enrolled less than half-time.2

  • 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
1 PA Forward Approved States include DE, MD, NJ, NY, OH, VA, and WV.
2 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.

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 your 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

Undergraduate Loan

For students in a degree, certificate, or diploma-granting program.
Learn More/Apply

Graduate Loan

For students seeking an advanced degree such as a masters, law, MBA, Ph.D., or others. 
LEARN MORE/APPLY

Medical Loan

For students seeking a medical, dental, osteopathic, podiatry, or veterinary degree.
LEARN MORE/APPLY

Health Professional Loan

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.
LEARN MORE/APPLY

Parent Loan

For parents or guardians of dependent undergraduate students enrolled at least half-time in a degree, certificate, or diploma-granting program.
LEARN MORE/APPLY

Refinance Loan

For those currently in repayment who want assistance with managing their student debt. Get payment estimates too!
LEARN MORE/APPLY

Plan Ahead & 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.

EducationPlanner.org

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.
Visit Site

MySmartBorrowing.org

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.
Visit Site

YouCanDealWithIt.com

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 Site
Note: If you visit one of the above sites, please remember to come back to this site if you decide to apply for a PA Forward Student Loan.
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Security Notice

Published 7/22/2026

We’ve been made aware of scammers calling and impersonating Woodlands Bank and requesting banking credentials or other personal identifying information.  For ACH transactions, we will never ask you to provide us with your token number and we will never ask for your Internet Banking credentials, Social Security number, or account information through calls or texts.  If you may have shared this information, contact us immediately so we can help protect your account.

Additional Helpful Resources

FCC Impersonation AlertABA's Bank's Never Ask ThatBe Scam Smart

To open this CD, visit any of our eight branches

Who Should Be Nominated?

Nominated individuals should be a deserving non-paid individual who provides countless hours of volunteerism and support to a local non-profit. Nominated by the non-profit, the individual will not only represent their personal accomplishments and giving, but also provide the non-profit with the chance to showcase their efforts throughout the community. The person submitting the nomination must be involved with the organization.

Delayed Opening- All Offices 

Published 01/25/2026

Due to the impending inclement weather, all offices of Woodlands Bank will opening at 11 am on Monday, January 26, 2026. This decision was made with the safety of our employees and customers in mind.
We apologize for any inconvenience. Thank you for your understanding.

Important Notice

Published 7/3/2026

All offices of Woodlands Bank will be closed Saturday, July 4th, 2026 in observance of  Independence Day. We will be back to normal hours on Monday July 6th, 2026. View all normal branch hours here.

Important E-Statement Information

We would like to inform you that our e-statement customers will not receive a special paper statement on October 4, 2024. This statement will continue as an e-statement. With access to e-statements being unavailable during our upgrade weekend along with the delay of this e-statement being made available to you through Online Banking, we wanted to provide you with options available to you to receive your statement.
If you would like to receive a copy of your paper statement recapping your account activity from your last normal statement issued through Friday, October 4, 2024, please do one of the following:
On or after October 7, 2024:

  • Call us at 570.327.5263 to request a paper statement be mailed to your address.

  • Visit your local branch to request a paper statement.

System Upgrade Important Information

Published 10/4/2024

Our System Upgrade will begin today, Friday, October 4, 2024 and continue throughout the weekend. Please see below for important times.
Online and Mobile Banking will be unavailable starting at 6:00 PM today, and will be unavailable until the afternoon on Monday, October 7, 2024. Please make note of your balances and plan for your cash needs during the System Upgrade. Your debit card will continue to work normally throughout the upgrade weekend.
Mobile Check Deposit will be unavailable starting at 3:00 PM today. Checks can still be deposited by visiting your local branch until 5:00 PM today.
Bill Pay will be unavailable starting at 4:00 PM today. All bills schedule for payment prior to this will process according to when they are set to be paid.
All offices will be closing at 5:00 PM today and will be closed on Saturday, October 5, 2024.
Please visit https://woodlandsbank.com/system-upgrade/ for all updates.
We look forward to growing your experience with us!

Important Notice

Change in Branch Hours

We want to inform you that we are making some changes to our branch office hours. These changes will go into effect on January 1, 2024. Our primary reason for changing our hours is to allow our employees to have a better work-life balance. In-turn, this allows us to better retain our excellent employees which results in even higher standards of customer service that our customers know and love.

View New Hours

We understand that our new hours may affect some of our customers’ normal routines and for that we truly apologize. We recognize change like this can be hard.

  • $1000.00 daily minimum balance to earn interest & avoid a $5.00 monthly service charge.

Qualifying Requirements include:

  • At least 1 bill pay or ACH payment transaction
  • At least 12 debit card purchases

Note: Enrollment in e-Statements is required in order to open a High Interest or Cash Rewards checking account.

IRA Management

Changing jobs or retiring can be an exciting step in your life, but figuring out what to do with your retirement plan and other retirement assets can be confusing. Woodlands Bank Trust & Asset Management Services is here to assist you in making the right choice and will help you to achieve your long-term retirement goals.

Institutional Investment Management

Companies or organizations that hold funds or other assets can rely on Woodlands Bank Trust & Asset Management Services to assist them in managing their resources for long-term benefits. We will provide investment management during a period of time or into perpetuity.

Charitable Investment Management

Non-profit organizations that hold funds or other assets from charitable donations can utilize Woodlands Bank Trust & Asset Management Services to invest those funds for long-term benefits. We will provide investment management during a period of time or into perpetuity.

Executor & Estate Settlement Services

Choosing a qualified executor is essential to the timely and efficient administration of an estate. Our estate settlement services include acting as:

  • Executor
  • Agent for Executor

Estate & Financial Planning Services

The most common mistake in financial planning is not having a plan—having a strong financial and estate plan is vital to your financial health. We will work with you and your estate attorney to craft a plan for your unique needs.

Asset Management & Custodial Services

We will work with an individual to design a portfolio to fit their specific needs and objectives. Our duties will be determined by the type of account chosen.

  • Investment Management Accounts
  • Institutional Investment Accounts
  • Custody Account

Personal Trust Services

A trust permits an individual to carry out personal and financial objectives while providing protection for themselves and their family. The trust agreement sets forth the wishes of the individual, and it is the trustee’s responsibility to carry out those wishes. As a trustee, we will provide impartial advice and counseling for beneficiaries, investment management of the trust assets, continuity of management and a full accounting of all transactions. We offer:

  • Living Trusts
  • Testamentary Trusts (Trusts Under Will)
  • Life Insurance Trusts
  • Special Needs/Situations (Guardianships, Charitable)
  • Agent for Trustee

 

Treasurer's Checks

A Treasurer’s check is drawn on the bank’s own funds and signed by a bank employee. These checks are treated as guaranteed funds because the bank, rather than the purchaser, is responsible for paying the amount. They are commonly required for real estate and brokerage transactions. There is a small fee for these checks and they are only issued to bank customers.

Wire Transfers

Wire transfers help move money electronically from one person to another, domestically and internationally. This is an effective, safe way to transfer funds between banks. For a small fee, our customers can quickly send payments to others. The cutoff time is 1PM for International wires and 2PM for Domestic wires each business day.

Safe Deposit Box

A safe deposit box is located inside a bank vault and is used to store valuables. A financial institution rents out safe deposit boxes, and they can be accessed with keys. For a small annual fee you can safely store your important papers, etc. You can access your box during the bank’s normal operating hours.

Notary Services

In the United States, a Notary Public is a person appointed by a state government and whose primary role is to serve the public as an impartial witness when important documents are signed. This service is available at each office of Woodlands Bank and is only available to bank customers.