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Student Loan Refinancing

Planning and Saving for College

Refinancing your Education

Refinance your student loan debt to save money for what’s next in life. You could save an average of $3,252 per year1 and drop your rate by 2%.*

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Planning for College

Planning and Saving for College

Solutions for school and beyond

Whether you need to finance your education and reserve funds for multiple years, or refinance existing student loans, we've got the solutions you're looking for.

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Make the Most of Your Money

Planning and Saving for College

Banking & Credit Cards

Saving, spending, or credit: however you need to use or conserve your money, we've got options to help.

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Buying a Home

Planning and Saving for College

Home Mortgages

If you’re new to the home buying process or it has been a while since you’ve bought a home, you may have questions about your borrowing options. We can help.

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Home equity lines of credit are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960) or Citizens Bank of Pennsylvania (NMLS ID# 522615). All loans are subject to approval.

*Weighted average interest rate savings based on the difference in interest rate provided by 23,444 actual customers who lowered their interest rate by refinancing and the interest rate they received by refinancing their federal and private student loans through our Education Refinance Loan between January 1, 2017 and December 31, 2017. The borrower’s interest rate savings might vary based on the interest rates they qualify for, chosen terms and previous interest rate of the loans they are seeking to refinance. The borrower’s overall interest rate may be higher than the interest rate on the loans they are refinancing even if their monthly payments are lower.

1Average savings based on 18,113 actual customers who refinanced their federal and private student loans through our Education Refinance Loan between January 1, 2017 and December 31, 2017. The calculation is derived by averaging the monthly savings of Education Refinance Loan customers whose payments decreased after refinancing, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing. The borrower’s savings might vary based on the interest rates, balances and remaining repayment term of the loans they are seeking to refinance. The borrower’s overall repayment amount may be higher than the loans they are refinancing even if their monthly payments are lower.

2 Average savings of $643 are calculated using the 2016/2017 Award Year Federal Direct PLUS Loan program reporting (as of 5/03/2017 for quarter ending December 31, 2016 not including Grad PLUS) of originations of ~$11.1 billion to 740,097 borrowers through 769,597 loans with an average loan size of $15,035.30. Average fee savings is possible with either private student loan option we offer, including the Citizens Bank Student Loan® or the Citizens Bank Student Loan® for Parents.

3 Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate ("LIBOR") published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of August 1, 2018, the one-month LIBOR rate is 2.07%. Variable interest rates range from 2.72%-8.17% (2.72%-8.17% APR) and will fluctuate over the term of the borrower's loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a cosigner. Fixed interest rates range from 3.50%-8.69% (3.50% - 8.69% APR) based on applicable terms, level of degree earned and presence of a cosigner. Lowest rates shown require application with a cosigner, are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan.

4 U.S. Dept. of Education. The loan fee is a percentage of the loan amount and is proportionately deducted from each loan disbursement. For Loans first disbursed between October 1, 2017 and September 30, 2018 the origination fee is 4.264%.

5 Deposits made at our ATMs on a business day by 10pm will post the same day. Refer to our Funds Availability Policy for additional details. Not all Citizens Bank ATMs accept deposits.

The investment products and financial strategies suggested herein are subject to investment risk, including possible loss of principal amount invested. There can be no guarantee the suggested strategies will lead to successful outcomes. Investment decisions should be based on each individual’s goals, time horizon and tolerance for risk.

Securities, Insurance and Investment Advisory Services offered through Citizens Securities, Inc. (“CSI”), also referred to as Citizens Investment Services. Citizens Securities, Inc. is an SEC registered investment adviser and Member - FINRA and SIPC. 770 Legacy Place, MLP240, Dedham, MA 02026. (800) 942-8300. Citizens Securities, Inc. is an affiliate of Citizens Bank, N.A. and Citizens Bank of Pennsylvania.

SpeciFi ℠ is made available through CSI. Portfolio management services are sub-advised by SigFig Wealth Management, LLC (“SigFig”), an SEC registered investment adviser. SigFig is not an affiliate of CSI, Citizens Bank, N.A., or Citizens Bank of Pennsylvania.

Securities are:
● NOT FDIC INSURED 
● NOT BANK GUARANTEED 
● MAY LOSE VALUE 
● NOT A DEPOSIT 
● NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

Banking products are offered through Citizens Bank. Citizens Bank is a brand name of Citizens Bank, N.A. and Citizens Bank of Pennsylvania. Deposit accounts held at Citizens Bank, N.A. and Citizens Bank of Pennsylvania are separately insured. Member FDIC

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