Find the Graduate Loan for you
Fixed Rate Loans
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Fixed rates mean stable monthly payments and no surprises. See your rate in about 2 minutes with no credit impact.†
Variable Rate Loans
#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†
Variable rates can change, giving you flexibility as the market shifts. Check your rate in about 2 minutes without affecting your credit.†
Rate quotes are valid for 30 days. Rates shown include a combined 0.50% rate discount for our Loyalty† and Automatic Payment discounts.† See how different repayment options can affect your loan.
Perks of a Graduate Student Loan
Multi-Year Approval†
After 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.
Benefits of a Cosigner†
Applying with a cosigner (like a parent) could increase your chances of getting approved and with a lower rate.
Citizens Student Credit Builder®†
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.
Frequently Asked Questions
A graduate student loan is a private education loan that helps pay for graduate‑level education expenses, such as tuition and related costs, after other financial aid is applied.
People typically pay for graduate school using a mix of personal savings, scholarships or grants, federal student loans, and private student loans. Many students use private loans to help cover remaining education costs after other funding options are applied. For more information about financing your graduate education, read our article on how to pay for grad school.
There's no single option that's better for everyone. Federal student loans often have fixed rates and borrower protections, while private graduate student loans can help cover remaining costs after federal aid and may offer flexible repayment options. Many graduate students use a combination of both, depending on their needs.
You don't need to file the FAFSA for a private graduate student loan. However, to qualify for federal student loans it's always recommended that you complete the FAFSA.
A fixed interest rate stays the same for the life of the loan, so your interest rate and monthly payment remain consistent. A variable interest rate can change over time based on a market index (i.e. SOFR), which means your rate and monthly payment may increase or decrease over the loan term.
A graduate student loan from Citizens could offer you a lower rate than Federal Direct loans.
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
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† For additional information, please click the † symbols throughout this page to view our student lending disclosures.