Citizens Bank Student Loan Application Requirements
The Citizens Bank Student Loan is available to undergraduate, graduate or continuing education students enrolled at participating schools nationwide. Program funds may be used for any education-related expense including tuition, housing, books, computer equipment as well as past due balances.
The Citizens Bank Student Loan is a fully credit-tested, unsecured education loan. The student is the primary borrower and most students will need a co-signer to qualify. International students may qualify with an eligible U.S. co-signer.
Applying With a Co-signer
Improve your chances of receiving the money you need for college and reduce your costs of borrowing by applying with a co-signer. If you'd like to apply without a co-signer, you must meet all three of the following requirements under the 2-2-2 Rule:
- You must have a satisfactory credit, residence and employment history of at least two years, and maintain employment with same employer or in the same field while attending school
- You must have two years' proof of current income (or, if self-employed, have been in business for at least two years)
- You must be aU.S. citizen or permanent resident and have resided in theU.S. for the previous two years
If you are an international student or do not otherwise meet these requirements, you will need to apply with a qualified credit-worthy U.S. citizen or permanent resident co-signer to be approved.
Educational Requirements and Benefits
This table portrays specific application details for each student loan type.
| Undergraduate Student |
Graduate Student |
Continuing Education |
| Enrolled at least half-time in a degree or certificate granting program |
Enrolled at least half-time in a degree or certificate granting program |
Enrolled part-time (i.e., less than half-time) in a continuing education program |
| Choice of repayment options to suit your particular needs |
Repayment option begins 180 days after graduation or separation from school |
Repayment options vary based upon enrollment in a degree or certificate-granting program |
Loan Details and Benefits
The following is a list of loan details and benefits for any student application.
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