Get your rate in about 2 minutes with no impact to your credit score.†
Your rate quote is valid for 30 days. Plus, there's no application fee.
Variable rates
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Get a potentially lower rate and lower monthly payments. The interest rate will fluctuate monthly, and therefore, your monthly payment amount will vary over time.
Fixed rates
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Your interest rate will remain constant over the life of your loan and your monthly payment amount will remain the same.
Forbearance, forgiveness and refinancing
There are a lot of factors to consider when it comes to your federal student loans, and Citizens is here to help you make sense of it.
Fund your tomorrow with these 3 benefits
Save big with 0.50% rate discounts
Save more when you enroll in our Loyalty and Automatic Payment Discounts, and lower your interest rate by up to 0.50%.†
Smart payment terms
Choose from 5 to 20 year terms to lower your monthly payment and give yourself more room in your budget.
To refinance your student loans now or later?
Right time to refi parent student loans
Refinancing could take a burden off your back. Maximize your savings by getting the timing just right.
Breaking from high student loan payments
Refinancing parent student loans could help you lower monthly payments, interest rate, and pay off your debt sooner.
Reducing parent student loan payments
Simplify your monthly budget by consolidating your parent student loans into one simple payment.
Frequently Asked Questions
Find answers to commonly asked student loan refinancing questions
To be eligible to refinance your student loans you must:
- Have at least $10,000 in student loans to refinance
- Be a U.S. Citizen, permanent resident, or resident alien with a valid U.S. Social Security number
- Have a Bachelor's Degree or higher.
- Additional requirements may apply. Learn more
Citizens offers flexible repayment terms. Choose from 5, 7, 10, 15 and 20-year repayment periods. View repayment examples.
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 Federal Direct PLUS Loan† into one loan with one convenient payment each month.
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: Provides you with an interest rate that remains the same over the life of your loan and your monthly payments do not change.
See repayment examples to help you choose which rate option works best for you.
Explore helpful resources for parents exploring refinancing options. You'll find insights on managing repayment, comparing loan types, and planning for long-term financial goals.
Visit the Citizens Student Hub for:
- Articles that explain how refinancing works and what to consider before making a change.
- Tips for comparing federal and private loan options.
- Guidance on how refinancing could impact your monthly payments and total loan cost.
- Budgeting tools to help you balance loan repayment with other family expenses.
© Citizens Financial Group, Inc. All rights reserved. Citizens Bank, N.A. Member FDIC
† For additional information, please click the † symbols throughout this page to view our student lending disclosures.
* Important Information
Get My Rate: Selecting "Get My Rate" only requires a "soft credit pull" which does not affect your credit score. Submitting a full application will result in an inquiry on your credit report.