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Student Loan Refinance

Less Debt. Live More.
You could drop your rate by 2%* and save an average of $2,544 per year.1
Find out your personalized rate and savings in less than 2 minutes.

We believe you can live in the moment and still prepare for the milestones. And we understand that having a plan for your student loans can ensure you don't miss a thing.

Now you can refinance your student loans with our Education Refinance Loan2, which could help you:

  • Save an average of $2,544 per year.1
  • Combine multiple federal and private loans into one convenient monthly payment.3
  • Lower your rate, your payment, or both. See our Rates.4

Your student loan refinance savings are waiting. Now go do it all.

Get your personalized rate in under 2 minutes
Find out what your rate and monthly savings could be in less than two minutes before you refinance your student loans. Simply enter in a few pieces of information and we will provide you with your interest rate options, without affecting your credit.5

Why refinance with a leader in Student Lending

  • Ready to apply?

    • Apply Now >

      Here's what you need to apply:
      • A recent pay stub or other income information
      • Billing statements for the loans you wish to refinance
      • Social Security Number and Date of Birth
      • Driver’s license or state ID number
      • Current contact information (e.g. address, phone number, email)

      Here's what you need to be eligible:
      • At least $10,000 in student loans to refinance
      • US Citizens, permanent residents and resident aliens with a valid U.S. Social Security Number can apply
      • Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school.


      Access my Refinanced Student Loan >

You might also be interested in:

Citizens Bank Graduate Student Loans

Advance your education with no application, origination, or disbursement fees.

Get details

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