- Name
- Address
- Date of Birth
- Social Security Number
- Email Address
- Phone Number
- Highest Degree Attained
- Total Amount to Refinance
- Total Current Monthly Payments
- Total Current Monthly Income
- Total Current Monthly Rent or Mortgage Payment
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Rates as low as
#ProductLine=Edfi|Brand=citizensbank|ProductSet=erlProductSet|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=APRMin# APR Variable1
#ProductLine=Edfi|Brand=citizensbank|ProductSet=erlProductSet|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMin# APR Fixed1
Calculate My RateFree yourself — and your budget — from costly student loan debt. With a Citizens Bank Education Refinance Loan, you can save an average of $3,036 per year* by refinancing and consolidating all your private and government, and undergraduate and graduate loans, into one affordable loan. Lower your interest rate, reduce your monthly payment, fix a variable-rate, even remove a cosigner to gain financial independence and control.
Are you a parent? Check out our refinance loan options for parents.
With our competitive fixed and variable rates, you could save an average of $253 each month or $3,036 annually*. You can also fix a variable-rate loan to get predictable monthly payments and peace of mind.
View our rates
With our low rates and flexible terms of 5, 7, 10, 15 or 20 years, you may be able to lower your monthly payments, giving you more room in your budget.
Combine all your federal and private loans and undergraduate and graduate loans into one loan, allowing you to make one low monthly payment to one lender3. We are here to help.
Choose from 5, 7, 10, 15 and 20-year repayment periods, depending on your budget.
After making 36 consecutive on-time payments of principal and interest, a borrower may apply to release the cosigner from their Loan.4
View our repayment examples.
Minimum:
$10,000
Maximum:
$300,000 (Bachelor's degree or below)
$500,000 (Graduate degree)
You’re busy. We get that. So, we’ve made applying for the Education Refinance Loan fast and easy. You can do it in 15 minutes with 3 easy steps.
Apply Now
Apply from your computer or mobile device6. You also have the option to add a cosigner, which may increase your likelihood of approval, and getting the most favorable rate.
Choose a fixed or variable rate, the loan term, and how and when you want to repay the money.
You and your cosigner (if applicable) will sign and accept your loan documents electronically.
Wondering if refinancing is right for you? Here is some information to assist you. Of course, if you have any additional questions, you’re always welcome to Ask a Citizen.
Want to learn more? See our FAQs section.
Speak with a Student Lending Advisor
1-888-411-0266
Mon – Fri: 8:00 am – 9:00 pm ET
Sat: 8:30 am – 5:00 pm ET
* Medical doctorate pricing includes MD, DMD/DDS, OD, DO, and PharmD degrees.
Assumption: Citizens Bank Student Loan repayment examples assume a $10,000 loan in the first year of school with two equal disbursements, the repayment term and interest rate type selected above, and is based on an application with a borrower and a co-signer. Lowest rate shown requires borrower to take advantage of available ACH and loyalty discount to achieve the 0.50 percentage point interest rate savings. Other assumptions include a 21 month in-school period, 6 month grace period, a standard repayment account, and the student remains in school through the expected graduation date.
Monthly interest payments based on current rates average #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitParentProductSet|productName=TruFit|rateType=Fixed|repaymentType=InterestOnly|loanType=Undergraduate|term=10|basedOn=10,000|ProductAttribute=loanOptions::repaymentExample::min::interestOnlyPayment#, depending on the interest rate during the 45 month in-school period and the 6 month grace period. Terms and conditions apply. Calculations are estimates only. Actual rates and payment information may vary based on applicable terms. Payment ranges do not reflect selections above.
Citizens Bank reserves the right to modify interest rates at any time without notice. Such changes will only apply to applications taken after the effective date of change.
See our Citizens Bank Student Loan page for important disclosure information.
* Medical doctorate pricing includes MD, DMD/DDS, OD, DO, and PharmD degrees.
Assumption: Citizens Bank Student Loan repayment examples assume a $10,000 loan in the first year of school with two equal disbursements, the repayment term and interest rate type selected above, and is based on an application with a borrower and a co-signer. Lowest rate shown requires borrower to take advantage of available ACH and loyalty discount to achieve the 0.50 percentage point interest rate savings. Other assumptions include a 45 month in‑school period, 6 month grace period, a standard repayment account, and the student remains in school through the expected graduation date. Business and Law assumptions include a 21 month in-school period.
For interest-only repayment term:Monthly interest payments based on current rates are between $23.44 and $95.55, depending on the interest rate during the in-school period and the 6 month grace period. Terms and conditions apply. Calculations are estimates only. Actual rates and payment information may vary based on applicable terms. Payment ranges do not reflect selections above.
Citizens Bank reserves the right to modify interest rates at any time without notice. Such changes will only apply to applications taken after the effective date of change.
See our Citizens Bank Student Loan page for important disclosure information.
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: