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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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Get More Out of Your Home

Planning and Saving for College

Home Equity Lines of Credit

Use a home equity line of credit to help pay for home improvements, education costs, and other major expenses. You can even consolidate debt.

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Refinancing Student Loan Debt

Planning and Saving for College

Refinancing Your Education

Customers have saved an average of $1,536 per year.1 Limited Time Offer: Get up to a $500 credit on a new Education Refinance Loan when you apply by November 15, 2017*

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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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May We Suggest

New to Citizens? Here are some of our most requested products and most popular areas of interest.

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.

*Offer available from 9/5/17 - 11/15/17. To qualify for the offer, the borrower and co-signer (if applicable) must submit a completed application between 9/5/17 and 11/15/17, including authorizing us to review the credit request for an Education Refinance Loan. Qualified borrowers will receive a reduction in their principal balance equal to one percent (1%) of the disbursed loan amount or $500.00, whichever is less. The Education Refinance Loan must be active and in good standing at the time the Principal Balance Reduction Benefit is applied. Only one Principal Balance Reduction Benefit is allowed per applicant. Principal reduction will be applied with an effective date equal to the loan’s disbursement date. Principal reduction may take up to  2nd billing cycle to display on monthly statement. The Principal Balance Reduction Benefit will be processed as a reduction of principal to the Education Refinance Loan and will not impact the required monthly payment amount or the payment due date for the loan. The value of the Principal Balance Reduction Benefit may be reported to the IRS. You are solely responsible for any taxes that may be owed as a result of the principal balance reduction earned. Please consult your tax advisor. Citizens Bank, N.A. does not provide tax advice. Citizens Bank Student Loans reserves the right to modify the terms of this offer at any point in the future for new applications.

1 Average savings based on 28,590 actual customers who refinanced their federal and private student loans through our Education Refinance Loan between August 1, 2016 and July 31, 2017. 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 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 #ProductLine=Edfi|Brand=citizensbank|ProductAttribute=libor::liborAsOfDate#, the one-month LIBOR rate is #ProductLine=Edfi|Brand=citizensbank|ProductAttribute=libor::libor#%. Variable interest rates range from #ProductLine=Edfi|Brand=citizensbank|ProductSet=erlProductSet|productName=ERL|rateType=Variable|repaymentType=Immediate|loanType=Undergraduate|term=5|basedOn=50,000|ProductAttribute=loanOptions::repaymentExample::min::rate# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=erlProductSet|productName=ERL|rateType=Variable|repaymentType=Immediate|loanType=Undergraduate|term=20|basedOn=50,000|ProductAttribute=loanOptions::repaymentExample::max::rate# (#ProductLine=Edfi|Brand=citizensbank|ProductSet=erlProductSet|productName=ERL|rateType=Variable|repaymentType=Immediate|loanType=Undergraduate|term=5|basedOn=50,000|ProductAttribute=loanOptions::repaymentExample::min::APR# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=erlProductSet|productName=ERL|rateType=Variable|repaymentType=Immediate|loanType=Undergraduate|term=20|basedOn=50,000|ProductAttribute=loanOptions::repaymentExample::max::APR# 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 co-signer. Fixed interest rates range from #ProductLine=Edfi|Brand=citizensbank|ProductSet=erlProductSet|productName=ERL|rateType=Fixed|repaymentType=Immediate|loanType=Undergraduate|term=5|basedOn=50,000|ProductAttribute=loanOptions::repaymentExample::min::rate# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=erlProductSet|productName=ERL|rateType=Fixed|repaymentType=Immediate|loanType=Undergraduate|term=20|basedOn=50,000|ProductAttribute=loanOptions::repaymentExample::max::rate# (4.74% - #ProductLine=Edfi|Brand=citizensbank|ProductSet=erlProductSet|productName=ERL|rateType=Fixed|repaymentType=Immediate|loanType=Undergraduate|term=20|basedOn=50,000|ProductAttribute=loanOptions::repaymentExample::max::APR# APR) based on applicable terms ,level of degree earned and presence of a co-signer. Lowest rates shown are for eligible applicants, require a 5-year repayment team and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount 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%.

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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