Citizens offers several lending options depending on your program.
Student loans for master’s degrees
Student loans to get your MBA
Student loans to go to law school
Student Loans for medical school
Student loans for dental school
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This option has interest rates and monthly payments that stay the same over time. Get a rate quote in about 2 minutes with no impact to your credit score.†
Get Started#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†
This option has an interest rate and monthly payments that fluctuate over time. Get a rate quote in about 2 minutes with no impact to your credit score.†
Get StartedAfter applying for a graduate student loan, you may qualify for Multi-Year Approval. If eligible, prior to each academic year, simply log in to your account and request funds with no application and no hit to your credit score.
Applying with a cosigner (like a parent) could increase your chances of getting approved and with a lower rate.
Build credit by making timely immediate or interest-only payments while in school and it could have a positive impact on your life after graduation.
Our eligibility requirements are:
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: $1000
Graduate Degrees: $225,000
MBA and Law: $300,000
Healthcare: $250,000 or $400,000 depending on your degree†
Graduate student loan applicants with at least 2 years of work history before entering their program can provide documents to verify their income and employment history for the 2 years prior to enrollment. Applicants must provide tax returns or W-2s from the last 2 years to verify their income and employment.
Have more questions? Get more answers in our full FAQs section.
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.