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What Does it Mean to Co-sign a Loan?

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What Does It Mean to Co-sign a Loan

Adding your name to someone else's debt on a loan is a very serious financial step. Here are some things to consider before you co-sign a loan:

When you co-sign a loan, you are signing a legal contract. If the borrower does not repay, it can be reported on your credit record.
If the primary borrower gets behind in payments, the lending institution can hold you and the borrower each equally responsible for repaying the entire debt. If it goes to a collection agency, the agency will try to collect from you.
Even if the loan is repaid on time each month, another lending institution may consider the amount of debt that you co-signed when determining if you already have too much credit.

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You are applying for a Federal Stafford Loan

Legislation recently signed by President Obama eliminates the Family Federal Loan Program effective July 1, 2010. This legislation prevents PNC (and all other private lenders) from making new Stafford and PLUS loans with first disbursements on or after July 1, 2010.

If you are looking for a Stafford or PLUS loan for the 2010-11 academic year, we recommend you contact your school's financial aid office to find out what financing options are available for you.

If you are in need of financing for the time period before the new legislation takes effect, we remain willing and able to assist you.

You are applying for a Federal Stafford Loan

Please enter your school and enrollment information:

Program

School's State

College Name

You are applying for a Federal Stafford Loan

By clicking below, you are leaving www.pnconcampus.com.

You are about to access third party content (a web site or service) that is not owned or directly controlled by PNC. While we believe these resources are reliable, we are not responsible for and do not guarantee the products, services, information, or content provided by the third party. When you visit the third party web site or use the third party service, you may no longer be protected by PNC's privacy policy or security practices. You should consult the privacy and security disclosures on the third party site or provided with the third party service.

You (and cosigner, if applicable) will need the following information:

Social Security number (SSN) and date of birth
Loan period begin and end dates
Driver’s license information
Citizenship status (if you are an eligible non-citizen, you must provide your alien registration number)
The name, address, and telephone number of two references

You are applying for a Parent PLUS Loan

If you are looking for a Stafford or PLUS loan for the 2010-11 academic year, we recommend you contact your school's financial aid office to find out what financing options are available for you.

If you are in need of financing for the time period before the new legislation takes effect, we remain willing and able to assist you.

You are applying for a Parent PLUS Loan

Please enter your school and enrollment information:

Program

School's State

College Name

You are applying for a Parent PLUS Loan

By clicking below, you are leaving www.pnconcampus.com.

You (and cosigner, if applicable) will need the following information:

Social Security number (SSN) and date of birth
Loan period begin and end dates
Driver’s license information
Citizenship status (if you are an eligible non-citizen, you must provide your alien registration number)
The name, address, and telephone number of two references

You are applying for a Graduate PLUS Loan

If you are looking for a Stafford or PLUS loan for the 2010-11 academic year, we recommend you contact your school's financial aid office to find out what financing options are available for you.

If you are in need of financing for the time period before the new legislation takes effect, we remain willing and able to assist you.

You are applying for a Graduate PLUS Loan

Please enter your school and enrollment information:

Program

School's State

College Name

You are applying for a Graduate PLUS Loan

By clicking below, you are leaving www.pnconcampus.com.

You (and cosigner, if applicable) will need the following information:

Social Security number (SSN) and date of birth
Loan period begin and end dates
Driver’s license information
Citizenship status (if you are an eligible non-citizen, you must provide your alien registration number)
The name, address, and telephone number of two references

You are applying for a PNC Solution Loan for Undergraduates

By clicking below, you are leaving www.pnconcampus.com.

The information required to successfully complete the application, such as personal, income and financial aid (borrower only) information, will be provided during the application process.

You are applying for a PNC Solution Loan for Graduate Students

By clicking below, you are leaving www.pnconcampus.com.

The information required to successfully complete the application, such as personal, income and financial aid (borrower only) information, will be provided during the application process.

You are applying for a PNC Solution Loan for Health Professions

By clicking below, you are leaving www.pnconcampus.com.

The information required to successfully complete the application, such as personal, income and financial aid (borrower only) information, will be provided during the application process.

You are applying for a PNC Solution Loan for Bar Study

By clicking below, you are leaving www.pnconcampus.com.

The information required to successfully complete the application, such as personal, income and financial aid (borrower only) information, will be provided during the application process.

PNC Solution XT Loan Online Application Process

By clicking below, you are leaving www.pnconcampus.com.

You will now be transfered to PNC's loan service provider's (AES) Web site to complete your application. After selecting the loan details, you will be asked to log into your AES account before entering your personal information.

Please log in with you AES username, not your PNC online banking username.
If you do not already have an AES username, you will be given an opportunity to create one.
If you are a co-sginer, you will need to log in with your own username. Do not use the student/borrower's log in information. If you do not already have a log in, you will be given the opportunity to create a new one.