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Less Debt. Live More.
You could drop your rate by 2% and do it all.*
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 Loan1, which could help you:
Your 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
|Amount to Borrow:||Lowest
Lowest rates are for eligible applicants, require a 5-year repayment term and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each.2
Highest rates are for eligible applicants who select a 20-year repayment term, and do not include available discounts.
|Total to Pay Back|
Assumption: These examples above assume a $50,000 loan, standard repayment of a loan with a borrower and a co-signer, the borrower is not currently enrolled in school, a 0.25 percentage point interest rate reduction for automating payments from an eligible Bank account (automated payments can be set-up using KwikPay through FirstMark Services, our trusted servicing partner, at http://www.citizensbank.com/student-services/access-my-student-loan/default.aspx) and 0.25 percentage point interest rate reduction towards loyalty discount if borrower or the co-signer (if applicable) has a qualifying account in existence with us at the time you and your co-signer (if applicable) have submitted a completed application authorizing us to review your credit request for an Education Refinance Loan.
The variable interest rate example assumes the rate of 1-Month LIBOR plus a margin based on a FICO score, which will fluctuate over the term of your loan with changes in the LIBOR rate. The fixed interest rate example is based on a FICO score.
The final monthly payment may be slightly lesser or more usually within a range of $1 than the regular monthly payments shown above.
No application, origination or disbursement fees. Rate and payment information listed are estimates only. Actual rates and payment information may vary based on applicable terms, degree selected and presence of a co-signer. Lowest rates shown are for eligible applicants. Citizens Bank reserves the right to modify interest rates and loan margins at any time without notice. Such changes will only apply to applications taken after the effective date of change. Terms and conditions apply.
Reduce your interest rate with the following discounts when you consolidate or refinance your student loan debt with us:
Advance your education with no application, origination, or disbursement fees.
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