Refinance your student loans.

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Now's The Time To Refinance Student Loans

It’s never too late for savings. Save an average of $4,248† annually when you combine and refinance your student loans into one easy payment.

Variable Rates

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Get a potentially lower rate and lower monthly payments. The interest rate will fluctuate monthly, and therefore, your monthly payment amount will vary over time.

Rate and Repayment Examples

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Fixed Rates

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Your interest rate will remain constant over the life of your loan and your monthly payment amount will remain the same.

Rate and Repayment Examples

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Benefits Of Refinancing Your Student Loans With Citizens

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Additional Discounts

Reduce your interest rate up to 0.50 percentage points when you refinance or consolidate your student loans with a Loyalty† and Automatic Payment Discount.†

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Cosigners Welcome

Apply with a qualified cosigner to increase chances of approval or help secure a lower interest rate. You can later apply to release them from the loan.†

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Flexible Options

One convenient monthly payment for your student loans. Choose your loan repayment term (5, 7, 10, 15 & 20 year options).
Check out our rate and repayment examples.

Refinancing Options To Help Simplify Your Payments

We keep things simple with no application, origination or disbursement fees when you refinance your student loans.

Refinance Student Loans

  • Students out of school are the primary borrower†
  • Customers have saved an average of $4,248† per year
  • Flexible 5 to 20 year term options available

Refinance Medical School Loans

  • Medical school graduates are the primary borrower†
  • Low fixed payment of $100 per month during medical residency†
  • 5 to 20 year loan terms available

Refinance Parent PLUS Loans

  • Parents are the primary borrower†
  • Combine all of your kids' education loans into one affordable payment

Get Your Rate In About 2 Minutes With No Impact To Your Credit Score*

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© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC

† For additional information, please click the † symbols throughout this page to view our student lending disclosures.

 

* Important Information

Get My Rate: Selecting “Get My Rate” only requires a "soft credit pull" which does not affect your credit score. Submitting a full application will result in an inquiry on your credit report.