Am I eligible to refinance my parent student loans?

To be eligible to refinance your parent student loans, including Parent PLUS loans, you must: Have at least $10,000 in parent student loans to refinance Be a U.S. Citizen, permanent resident, or resident alien with a valid U.S. Social Security number. Additional requirements may apply.

What are my parent student loan refinance payment term options?

Citizens offers flexible repayment terms. Choose from 5, 7, 10, 15 and 20-year repayment periods.

How much of my parent student loan can I refinance?

Parent student loans can be refinanced with a minimum balance of $10,000 and maximum limit of $500,000. You may also combine your private parent student loans and Parent PLUS student loans into one loan with one convenient payment each month.

What is the difference between a variable rate and a fixed rate?

Variable Rates: May help you get a low rate and monthly payment with an interest rate that changes monthly, and monthly payments that will vary over time. Fixed Rates: Provide an interest rate that remains the same over the life of your loan and your monthly payments do not change.

Parent Student Loan Refinance FAQs

Parent Refinancing Student Loans

To be eligible to refinance your parent student loans, including Parent PLUS loans, you must:
- Have at least $10,000 in parent student loans to refinance
- Be a U.S. Citizen, permanent resident, or resident alien with a valid U.S. Social Security number
- Additional requirements may apply. Learn more.

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

Frequently Asked Questions: Parent Refinancing Loan

Parent Refinancing Student Loans