The PA Forward Student Loan Program, offered through First National Bank (FNB) in partnership with the Pennsylvania Higher Education Assistance Agency (PHEAA), does not require a co-signer (surety) if you meet the age of majority for your state and the minimum credit requirements[1][4][6]. If you do not meet these criteria—either because you are below the age of majority or do not have sufficient credit—a co-signer will be required. While having a co-signer is not mandatory for all applicants, it may improve your chances of approval and result in a better interest rate if your credit profile alone is not strong[1][4][6].
PHEAA reviews applications based on credit score, employment history, income, and existing debt. Students who can independently meet these credit requirements can apply for FNB student loans through the PA Forward program without providing surety[6].
It is important to note that other student loan options available through FNB—including those offered in partnership with Sallie Mae—may have different eligibility requirements regarding surety or co-signers[5]. Always review the specific terms for the loan option you are choosing.
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