© Copyright 2014 RBS Citizens Financial Group. All rights reserved.
Citizens Bank is a brand name of RBS Citizens, N.A. (NMLS ID# 433960) and Citizens Bank of Pennsylvania (NMLS ID# 522615).
All accounts and services are subject to individual approval. See a banker for details on FDIC insurance.
1 Interest does accrue during periods of deferment and forbearance. Payments are postponed by completing a post disbursement form annually.
2 Graduate Students may be eligible for an extended repayment term of up to 25 years. Graduate PLUS loans will be automatically placed into in-school deferment as long as the borrower is certified by their school to be attending at least half time. No payments are required during in-school deferment. Interest does accrue during periods of deferment and forbearance.
Citizens Bank Federal Loan programs are funded by RBS Citizens, N.A. or Citizens Bank of Pennsylvania, Members FDIC and Equal Opportunity Lenders. RBS Citizens, N.A. or Citizens Bank of Pennsylvania may sell your student loan to a third party, and, in the event your loan is sold, it will use all commercially reasonable means to ensure that all of its promises to you, including all borrower benefits that you might become eligible for during the loan’s repayment period, will be honored. If you consolidate your loan prior to earning a benefit, you waive your right to that benefit, but you have the ability instead to earn consolidation benefits. If you consolidate your loan after you earn a benefit, that benefit will not be retracted or forfeited.