Calculate your monthly student loan repayment.

Plan smarter for your college journey. Our student loan calculator could help you understand what a private student loan payment could look like. Enter different loan amounts and repayment options to adjust your monthly repayment amount to what fits your budget.

Apply with a Cosigner†

Many students don't have the credit history or income requirements to qualify for a loan on their own. Applying with a cosigner who has established credit can help lower your rate and significantly boost your chances of approval.

Fixed Rate Loan

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Variable Rate Loan

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Rate quotes are valid for 30 days. Rates shown include a combined 0.50% rate discount for our customer Loyalty† and Automatic Payment discounts†

Lock in your personalized rate quote now. No commitment. No credit hit.†

Get my rate

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College Raptor®

The Citizens college planning platform, College Raptor, is your one-stop shop for discovering affordable colleges, choosing your major and career, finding scholarships, and much more.

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Citizens scholarship

We're giving away up to $55,000 in scholarships toward school expenses on a monthly and yearly basis. No essay, no contest, no sweat.

Enter to win*

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

Citizens provides student lending services for US residents in the following United States and U.S. Territories: AL, AK, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, AS, GU, MP, PR, TT, VI

College Raptor, Inc. is a wholly owned subsidiary of Citizens Bank, N.A. (Citizens)

* 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.