We've lowered our student loan refinance rates.

Refinancing could help you do more of what you love. Our customers have saved an average of $4,416 a year.†

Apply Now
decorative image

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.

#ProductLine=Edfi|Brand=citizensbank|ProductSet=ERL|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=ERL|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMax#APR†

Fixed Rate Loan

Your interest rate and monthly payments are locked in for the duration of your loan.

Get My Rate

#ProductLine=Edfi|Brand=citizensbank|ProductSet=ERL|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=ERL|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=APRMax#APR†

Variable Rate Loan

Your interest rate and monthly payments can fluctuate during the repayment period.

Get My Rate

Benefits of refinancing student loans with Citizens

Interest rate discounts

Reduce your interest rate up to 0.50 percentage points when you refinance your student loans with a Loyalty Discount† and Automatic Payment Discount.†

One monthly payment

Refinancing could help you streamline multiple student loans into one single loan with one monthly payment.

Flexible payment options

Choose the repayment terms that work best for you, with no penalty for paying more than the minimum monthly payment or for paying off the loan early. Citizens offers 5, 7, 10, 15, & 20 year options.

Rate and Repayment Examples

decorative image

Student loan payment tips

If you need federal student loan payment assistance, there are several repayment options that you could explore, including income-based repayment for qualified federal student loans.

Learn More

decorative image

Is refinancing right for me?

Refinancing student loans could potentially help you lower your payments, but refinancing federal student loans with a private loan may cause you to forfeit the benefits of federal loan programs.†

Learn More

Top student loan refinancing FAQs

Find answers to commonly asked student loan refinancing questions

Have more questions? Get more answers in our full FAQs section.

Ready to apply?

Customers have saved an average of $4,416 a year.†

Apply Now
Citizens is on the phone - Ready to talk with a real person?

Contact Us

Questions? A real person is just a click or call away.

To connect with a Student Loan Advisor, call 888-716-4780 or click the chat icon at the bottom of the screen.​

Contact Center Hours:
8:00AM-6:00PM ET Monday-Friday

Chat Hours:
8:30AM-5:00PM ET Monday-Friday

© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC

Citizens provides student lending services for US residents in the following United States and U.S. Territories: AL, AK, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, AS, GU, MP, PR, TT, VI

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