Variable Rates
#ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=buslawVariable|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=buslawVariable|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.
Fixed Rates
#ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=buslawFixed|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=buslawFixed|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.
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.
Citizens Scholarship
We're giving away up to $45,000 towards school expenses annually. No essay, no contest, no sweat. No purchase necessary.
Frequently Asked Questions
We have an established track record of deep credibility and broad expertise with more than 40 years in the student loan business. Over that time, we've developed a network of close relationships with college financial aid offices and other student financial aid professionals, which greatly benefits our borrowers.
Our eligibility requirements are:
- U.S. citizens or permanent residents. International students can apply with a creditworthy U.S. citizen or permanent resident cosigner
- The student must be enrolled at least half-time in a degree-granting program at an eligible institution. Half-time enrollment is typically 6-8 credit hours per semester and varies by school. Please consult your school's financial aid office for details.
- Have good credit or have a qualified cosigner†
- Have attained the age of majority in your state of residence or if you have not met the age of majority in your state of residence, a cosigner will be required
- Have no prior student loan defaults
For Citizens Student Loans, the minimum amount that a student can borrow is $1,000. If approved, the maximum amount that a student can borrow is up to 100% of the certified cost of attendance less any financial aid received from the school. Certified expenses typically include tuition and fees, room and board, books, supplies, transportation, and technology.
The Citizens Student Loan™ and Citizens Student Loan™ for Parents have no origination, application, or disbursement fees. And there is no prepayment penalty or any other penalty for paying more than the minimum monthly payment or for paying off the entire loan early.
© Citizens Financial Group, Inc. All rights reserved. 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. Sweepstakes begins at 5:01 PM ET on 3/31/26 and ends at 5:00 PM ET on 3/31/27. Sponsored by Citizens. See Official Rules for details.