Perks of a Citizens Student Loan™
Multi-Year Approval†
After applying for a Citizens Student Loan™, you may qualify for Multi-Year Approval. If eligible, prior to each academic year, simply log in to your account and request funds with no application and no hit to your credit score.
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Fixed Rate
Your interest rate and monthly payments are locked in for the duration of your loan.
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Variable Rate
Your interest rate and monthly payments can fluctuate during the repayment period.
Compare repayment options
You can also take a look at our rate and repayment examples.
Make full payments while in school
With an immediate repayment option, you start making principal and interest payments while still in school.
Pros: Reduce the amount of interest you'll owe over the life of the loan, and you could build credit while in school.†
Cons: Pay more monthly while in school.
Interest payments while in school
Make interest-only payments while in school, then full principal and interest payments begin six months after you graduate.
Pros: Keep monthly payments manageable, and you could build credit while in school.†
Cons: Pay more interest over the life of the loan than if you choose to make full payments while in school.
Deferred payments while in school
You won't make any principal or interest payments until after you graduate.
Pros: Make no payments on your loan while in school.
Cons: Pay more interest over the life of the loan.
We've made it simple to apply for a student loan.
STEP 1: Get started online in just minutes.
Begin your application by getting your rate quote in about two minutes with no hard credit check.† We'll let you know if you qualify for Multi-Year Approval. Your rate quote is valid for 30 days.
STEP 2: Select your rate and repayment option.
Choose either a fixed or variable interest rate. Then pick the repayment option that best suits your needs. (TIP: Applying with a qualified cosigner† could increase your likelihood of getting approved and with a lower rate.)
STEP 3: Complete, sign and accept your loan.
Upload any supporting documents, sign your paperwork electronically, accept your agreement and you're done!
Looking for other college loan options?
Graduate student loans†
For medical, dental, law or other advanced degrees, we offer graduate student loan options that are tailored to you and your ongoing education.
Loans for parents
Give your student the gift of education. A Parent Student Loan† is a great alternative to the Federal Direct PLUS loan. The qualified parent or sponsor is solely responsible for paying this loan.
We're here to support your college journey.
© 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
Citizens Scholarship: No purchase necessary. Void where prohibited. The Citizens Scholarship Sweepstakes is open to legal residents of the 50 United States, D.C., and U.S. Territories, who are 18 years of age or older, are students, or prospective students, or parents or legal guardians of students intending to enroll or enrolled at least half-time in an accredited undergraduate/graduate post-secondary institution. To be eligible for a chance to win the Citizens Building the Workforce of the Future Scholarship entrants must be from an underrepresented or a low-income community as described in the Official Rules. Sweepstakes begins at 12:00 AM ET on 4/1/25 and ends at 5:00 PM ET on 3/31/26. Sponsored by Citizens. See Official Rules for details.
Rates and offer subject to change. All accounts, loans and services subject to individual approval.