KeystoneBEST for Graduates

KeystoneBEST is Pennsylvania’s low-cost student loan for graduate students.

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Eligibility

Special KeystoneBEST requirements:

  • Be a Pennsylvania resident attending any accredited school or an out-of-state resident attending any accredited school in Pennsylvania
  • Be enrolled in an eligible program of study beyond a bachelor's degree, taking graduate level courses leading to a master's or doctorate degree or professional certification (excluding teacher certification)

You also must meet general PLUS loan eligibility requirements.

Features & Terms

Who Pays
  • The student repays the loan.

Interest Rates
  • The current fixed rate is 8.5% for loans paid out on/after July 1, 2006, and is adjusted each July 1st.
  • Your lender may offer additional interest rate reductions. Be sure to ask.
  • Will never exceed 9.0%.
  • Can be tax deductible.

Fees
  • Origination fees will not exceed 3%.
  • AES will pay the 1% federal default fee on behalf of lenders who participate in the KeystoneBEST loan program.

Annual Loan Limits
  • Borrow the difference between your cost of attendance and financial aid award - up to 100% of total costs.
  • Use loan funds for all associated costs - including tuition, room and board, books, transportation, computer, etc.

Rebates
  • Select lenders may offer additional rebates.

Repayment
  • Repayment begins within 60 days after the school receives the loan funds; however, AES automatically defers payments while you attend school.
  • Take 10 years to pay - longer with flexible repayment options.
  • No penalties for paying your loan off early.

Loan Management

Apply for this Loan

  • No income requirements
  • Poor credit? May still qualify with credit-ready endorser

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