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Graduate Student Loans
An advanced degree without a high degree
of financial worry.
Rates as low as
#ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentVariable|DisclosureAttribute=APRMin# APR Variable†
#ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentFixed|DisclosureAttribute=APRMin# APR Fixed†
Get StartedGraduate Student Loans to Fit Your Life — and Budget
Multi-Year Approval for Graduate Student Loans
Citizens Bank offers Multi-Year Approval†, because we are committed to staying with you all the way through graduation. With Multi-Year Approval, you’ll know how much money we will lend you across multiple years of college. In year two and beyond, the application is simplified, such that after a soft credit check, you can request your funds for the upcoming school year. Learn More
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Fixed Rates
#ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentFixed|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=graduatefixed|DisclosureAttribute=APRMax# APR†Your interest rate will remain constant over the life of your loan and your monthly payment amount will remain the same.
Rate and Repayment Examples -
Variable Rates
#ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentVariable|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=graduatevariable|DisclosureAttribute=APRMax# APR†Get a potentially lower rate and lower monthly payments. The interest rate will fluctuate monthly, and therefore, your monthly payment amount will vary over time.
Rate and Repayment Examples
3 Reasons to Choose Citizens Bank
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Easy
Multi-Year Approval
Multi-Year Approval† is a simple way to secure money for school, from orientation to graduation, with just one application.
Learn More -
Helpful
Dedicated people
and resourcesOur dedicated Student Lending Advisors and interactive tools will help you understand your options and make the right decisions for your situation.
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Flexible
Payments on your terms
Whether you are a parent or student looking for a new loan or to consolidate existing ones, Citizens has options to fit your needs — and budget.
Graduate Loan Features
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Repayment
Choose from 5, 10 and 15-year terms. You also get the option to make full or interest-only payments in school, or defer payments until after graduation. You can defer payments for up to 8 years while in school (Note: Interest will accrue during any periods of deferment). View our repayment examples.
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Eligibility†
- 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
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Loan Amounts
You may borrow up to the maximum qualified loan amount or the total cost of education, whichever is lower. Our student loan does have lifetime aggregate limits (including both federal and private loan debt) of:
Minimum: $1,000
Graduate Degrees: $150,000
MBA and Law: $225,000
Healthcare: $180,000 or $350,000 depending on your degree†
3 Easy Steps to Apply
Getting your graduate degree takes time; applying for a loan with Citizens doesn’t. You can do it in 15 minutes with these 3 easy steps.
Get Started
Complete the online application
Apply from your computer or mobile device†. You also have the option to add a cosigner, which may increase your likelihood of approval, and getting the most favorable rate.
Select your rate and terms
Choose a fixed or variable rate, the loan term, and how and when you want to repay the money.
Sign and accept.
You and your cosigner (if applicable) will sign and accept your loan documents electronically.
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
Helpful Tools
Rate and Repayment Examples
| Amount to Borrow: | Immediate Repayment
Immediate Repayment
Make principal and interest payments while enrolled in school, beginning about 30 days after funds are disbursed. | Interest Only Repayment
Interest Only
Make interest-only payments while enrolled, full payments begin 6 months after leaving school or dropping below half-time status. | Deferred Repayment
Deferred Payment
Make no payments while in school. Principal and interest payments begin 6 months after leaving school, or dropping below half-time status. |
|---|---|---|---|
| Interest Rate | |||
| APR | |||
| Monthly Payment | |||
| Total to Pay Back |
| Immediate Repayment
Immediate Repayment
Make principal and interest payments while enrolled in school, beginning about 30 days after funds are disbursed. | Interest Only Repayment
Interest Only
Make interest-only payments while enrolled, full payments begin 6 months after leaving school or dropping below half-time status. | Deferred Repayment
Deferred Payment
Make no payments while in school. Principal and interest payments begin 6 months after leaving school, or dropping below half-time status. |
|---|---|---|
| Amount to Borrow: |
|---|
| Interest Rate |
| APR |
| Monthly Payment |
| Total to Pay Back |
*Medical doctorate pricing includes MD, DMD/DDS, OD, DO, PDM, DVM, and PharmD degrees.
Assumption: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 cosigner. 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.
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.
Citizens Bank Medical Residency repayment examples assume a $10,000 loan in the second year of school with one disbursement, the repayment term and interest rate type selected above, and is based on an application with a borrower and a cosigner. 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 33 month in‑school period, 6 month grace period, a standard repayment account, and the student remains in school through the expected graduation date.
Citizens Bank Bar Study repayment examples assume a $10,000 loan in the last year of school with one disbursement, the repayment term and interest rate type selected above, and is based on an application with a borrower and a cosigner. 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 6 month in‑school period, 6 month grace period, a standard repayment account, and the student remains in school through the expected graduation date.
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 cosigner. 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.
Citizens Bank Medical Residency repayment examples assume a $10,000 loan in the second year of school with one disbursement, the repayment term and interest rate type selected above, and is based on an application with a borrower and a cosigner. 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 33 month in-school period, 6 month grace period, a standard repayment account, and the student remains in school through the expected graduation date.
Citizens Bank Bar Study repayment examples assume a $10,000 loan in the last year of school with one disbursement, the repayment term and interest rate type selected above, and is based on an application with a borrower and a cosigner. 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 6 month in-school period, 6 month grace period, a standard repayment account, and the student remains in school through the expected graduation date.
For interest-only repayment term:Citizens Bank Student Loan 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.
Citizens Bank Medical Residency monthly interest payments based on current rates average #ProductLine=Edfi|Brand=citizensbank|ProductSet=medicalResidencyProductSet|productName=MedicalResidency|rateType=Fixed|repaymentType=InterestOnly|loanType=MedicalResidency|term=10|basedOn=10,000|ProductAttribute=loanOptions::repaymentExample::min::interestOnlyPayment#, depending on the interest rate during the 33 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 Bar Study monthly interest payments based on current rates average #ProductLine=Edfi|Brand=citizensbank|ProductSet=barStudyProductSet|productName=BarStudy|rateType=Fixed|repaymentType=InterestOnly|loanType=BarStudy|term=10|basedOn=10,000|ProductAttribute=loanOptions::repaymentExample::min::interestOnlyPayment#, depending on the interest rate during the 6 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.
#Json=Label_Lookup|Brand=citizensbank|ApplyToParentElement=|TargetElementType=|TargetElementId=|Key=Personalize your experience.#
Thank you for your interest in Citizens Bank
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:
CitizensOne.com