The PA Forward Student Loan Program was designed to assist Pennsylvania students and families achieve their goals of financing higher education. To apply for a federal student loan, you must first complete and submit a Free Application for Federal Student Aid (FAFSA) form.PHEAA is a national provider of financial aid services, serving millions of students and thousands of schools through a variety of student aid programs. Undergraduate and graduate loans. Flexible repayment plans. Private student alternative loans are managed through private lenders, issued in the student's name, and require a credit-worthy co-signer. All students should apply for all federal financial aid programs and state grant programs before considering private education loans. All US citizens or eligible non-citizens enrolled at least half-time in a degree program are eligible to apply. A private education loan (or alternative loan) is a credit-based loan that can be used to pay for education-related expenses up to the Cost of Attendance.