Fixed rates
#ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=graduatefixed|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=graduatefixed|DisclosureAttribute=APRMax# APR†
Why choose fixed rates?
If you prefer interest rates and monthly payments that are the same over time, this option is best for you.
Variable rates
#ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=graduatevariable|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=graduatevariable|DisclosureAttribute=APRMax# APR†
Why choose variable rates?
If you prefer a typically low starting interest rate and fluctuating monthly payments over time, this option is for you.
Benefits of a Citizens Student Loan™
One student loan with Multi-Year Approval
It's a hassle to apply for loans each year. Multi-Year Approval† lets you apply once to potentially fund every college year.
40 years of know-how
The college experience may only be a few years, but you have student loan experts at your fingertips. Get help picking the right loan - and way more student loan and refi guidance. Chat, call, or find online resources.
Tailored for you
With flexible terms, competitive rates, and with perks like interest rate discounts† and no application fees, we can find a perfect solution for your needs.
Learn about student loans for graduate school
Explore articles from our Financial Education Center to get started.
How to pay for graduate school
Now that you've been accepted to grad school, how will you pay for it? Learn about the three options, as well as differences between student loans.
Should you go to grad school?
Is grad school a wise investment? Consider all of the factors before continuing your education.
How to get tuition reimbursed by work
Did you know your employer could help cover your education expenses for grad school? It could be possible, thanks to tuition reimbursement.
We're here to answer your questions
For 40+ years, Citizens has helped students and families bridge the gap between financial aid and the cost of college. Call 866-999-0077 to connect with a Student Loan Advisor, or click the chat icon at the bottom of the screen.
Contact Center Hours:
8:00AM-9:00PM ET Monday-Friday
8:30AM-5:00PM ET Saturday
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
† For additional information, please click the † symbols throughout this page to view our student lending disclosures.
* Citizens Scholarship: No purchase necessary. Void where prohibited. The Citizens Scholarship Sweepstakes is open to legal residents of the 50 United States, D.C., and U.S. Territories, who are 18 years of age or older, are students, or prospective students, or parents or legal guardians of students intending to enroll or enrolled at least half-time in an accredited undergraduate/graduate post-secondary institution. To be eligible for a chance to win the Citizens Building the Workforce of the Future Scholarship entrants must be from an underrepresented or a low-income community as described in the Official Rules. Sweepstakes begins at 12:00 AM ET on 4/1/25 and ends at 5:00 PM ET on 3/31/26. Sponsored by Citizens. See Official Rules for details.