A student loan without the headaches? It's real.

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

¹ At least one account holder must be under 25 years old. Student checking account will switch to One Deposit Checking from Citizens™ when all account owners are age 25 or older.

^{^} 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. Sweepstakes begins at 5:01 PM ET on 3/31/26 and ends at 5:00 PM ET on 3/31/27. Sponsored by Citizens. See Official Rules for details.

* IMPORTANT INFORMATION

Variable Rate Disclosure: Variable interest rates are based on the 30-day average Secured Overnight Financing Rate (“SOFR”) index, as published by the Federal Reserve Bank of New York. As of #ProductLine=Edfi|Brand=citizensbank|ProductAttribute=benchmark::asOfDate#, the 30-day average SOFR index is #ProductLine=Edfi|Brand=citizensbank|ProductAttribute=benchmark::baseRate#%. Variable interest rates will fluctuate over the term of the loan with changes in the SOFR index, and will vary based on applicable terms, level of degree and presence of a co-signer. The maximum variable interest rate is the greater of 21.00% or the prime rate plus 9.00%.

Lowest Rate Disclosure: Lowest rates are only available for the most creditworthy applicants, require a 5-year repayment term, include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, and repayment type selection of Immediate on In-School Loans and Immediate Repayment on Education Refinance Loans. Rates are subject to additional terms and conditions and are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change.

Student Loan Rate Disclosure: Variable interest rates range from #ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=MinRate# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=MaxRate# (#ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=APRMax# APR). Fixed interest rates range from #ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=MinRate# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=MaxRate# (#ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMax# APR).

Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence 30 days prior to the date that the borrower provides consent to a soft credit check for the application. The following are qualifying accounts: home equity, home mortgage, personal checking, personal savings, personal credit card or previous student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DC, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VA, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.

Automatic Payment Discount: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.

Multi-Year Approval: Funds available for future use are subject to a soft credit inquiry at time of your next request to verify continued eligibility. After we make the initial Loan to you, you must continue to meet eligibility criteria to obtain additional funds under the Multi-Year Approval feature. Terms and conditions are outlined in the promissory note. Multi-Year Approval borrowers have a 99% approval rate on future requests for additional funds. The additional funds approval rate is based on the percentage of approved Multi-Year borrowers from Citizens between October 1, 2024 and October 1, 2025. The approval rate represents only borrowers who had previously accepted the Multi-Year Approval offer. Please Note: International students are not eligible for Multi-Year Approval.