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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 Application or Origination Fees
Low Fixed Interest Rates
Multiple Repayment Options
Potential Interest Rate Rewards
No Prepayment Penalty

Eligibility

Undergrad, Grad, or Parent Loans

The PA Forward Student Loan Program is designed specifically for students or parents/guardians of students who are enrolled or who plan to be enrolled in a degree, certificate, or diploma granting program. For Parent loans, the student must be enrolled half-time. These loans are meant for:

  • PA residents attending an approved school in or out of PA
  • Students from an approved state (DE, MD, NJ, NY, OH, VA, and WV) attending an approved PA school
  • U.S. citizens or eligible non-citizens of the U.S.
  • Borrowers and/or co-signers who meet the minimum credit requirements

Refinance Loans

The PA Forward Refinance Loan is a loan designed specifically for those who are in repayment and want assistance with managing their student debt. This loan is meant for:

  • Any PA resident or resident of an approved state (DE, MD, NJ, NY, OH, VA, and WV) who is the borrower for the student loans
  • Borrowers who are currently in repayment
  • U.S. citizens or eligible non-citizens of the U.S.
  • Borrowers and/or co-signers who meet the minimum credit requirements

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

A loan designed specifically for students seeking an undergraduate degree, certificate, or diploma.
Learn More/Apply

Graduate Loan

A loan designed specifically for students seeking an advanced degree such as masters, doctoral, law, health profession, or others.
LEARN MORE/APPLY

Parent Loan

A loan designed specifically for parents or guardians of dependent undergraduate students.
LEARN MORE/APPLY

Refinance Loan

A loan designed specifically for borrowers in repayment to manage 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.

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.