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The federal government announced that interest will not accrue and payments will not be due for a period of 6 months on federal student loans. We recommend that all customers with federal student loan debt carefully consider their options before refinancing with a private student loan. This interest free period is beneficial to customers and we advise you to consider these benefits during the six month period and over the life of the loan prior to refinancing. When you refinance, you waive any current and potential future benefits of your federal loans and replace those with the benefits of the Education Refinance Loan.
Depending on your rate and amount borrowed, refinancing may still be a good lifetime savings option for you. We are here to help you think through what might be your best option. Please call us at 1-800-708-6684.
Please carefully review your current and potential future benefits on your federal loans before refinancing.
Newlyweds have many goals — buying a home, starting a family, and saving for a comfortable retirement are just a few. However, many young couples enter marriage with student loan debt, which they need to learn to manage together as they plan for the future.
While it may seem challenging, balancing student loans and other financial needs after marriage can be done. But it's important to know your options, outline your goals as a couple, and create a solid plan to achieve those goals.
The guide below will give you a framework for tackling student loan debt with your spouse, which will help you prepare for future financial goals, such as applying for a mortgage, saving for retirement, and saving for your children's education.
Once you're married, you and your spouse will need to work together to maintain your new family's finances. Whether one or both of you is repaying student loan debt, it's important to create a plan to address your loans and pay them down effectively.
Consider these steps to get started:
We are committed to helping you reach your potential. To learn more about how refinancing your student loans could help you reach your saving goals, check out our education refinance loan calculator, call 1-877-405-2262 to speak with one of our Student Lending Specialists, or visit your nearest Citizens Bank branch.
The zip code you entered is served by Citizens One, the brand name for Citizens Bank's lending business outside of our 11‑state branch footprint. Under the Citizens One brand we offer Auto Loans, Credit Cards, Mortgages, Personal Loans and Student Loans. To learn more, please visit: