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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 Variable1

#ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentFixed|DisclosureAttribute=APRMin# APR Fixed1

Get Started

Graduate Student Loans to Fit Your Life — and Budget

Multi-Year Approval for Graduate Student Loans

Citizens Bank offers Multi-Year Approval2, because we are committed to staying with you all the way through graduation. With Multi-Year Approval2, 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

  • 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# APR1

    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
    Get Started

  • 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# APR1

    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
    Get Started

3 Reasons to Choose Citizens Bank

  • 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 resources

    Our dedicated Student Lending Advisors and interactive tools will help you understand your options and make the right decisions for your situation.

  • 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

  • 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.

  • Eligibility5

    • 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 cosigner3
    • 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

  • 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 degree4

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

1

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.

2

Select your rate and terms

Choose a fixed or variable rate, the loan term, and how and when you want to repay the money.

3

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

Questions? Ask a Citizen.
Questions? Ask a Citizen.

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1Student Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate ("LIBOR") published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of #ProductLine=Edfi|Brand=citizensbank|ProductAttribute=libor::liborAsOfDate#, the one-month LIBOR rate is #ProductLine=Edfi|Brand=citizensbank|ProductAttribute=libor::libor#%. Variable interest rates range from #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentVariable|DisclosureAttribute=MinRate# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=graduatevariable|DisclosureAttribute=MaxRate# (#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) and will fluctuate over the term of the loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a cosigner. Fixed interest rates range from #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentFixed|DisclosureAttribute=MinRate# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=graduatefixed|DisclosureAttribute=MaxRate# (#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) based on applicable terms, level of degree earned and presence of a cosigner. Lowest rates shown requires application with a cosigner, are for eligible applicants, require a 5-year repayment term, borrower making scheduled payments while in school and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of the loan.

2Multi-Year Approval: Funds available for future use are subject to a soft credit inquiry at time of your next request to verify continued eligibility. After we make the initial loan to you, we may refuse to allow you to take out additional loans under the multi-year approval feature, terms and conditions will be outlined in your promissory note. Please Note: International Students and Bar Study Loans are not eligible for Multi-Year Approval.

3Cosigner Release: Borrowers may apply for cosigner release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for cosigner release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the cosigner release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for cosigner release must be a U.S. citizen or permanent resident. If an application for cosigner release is denied, the borrower may not reapply for cosigner release until at least one year from the date the application for cosigner release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for cosigner release. Note: cosigner release is not available on the Student Loan for Parents or Education Refinance Loan for Parents.

4Aggregate limits up to $350,000 for MD, DMD/DDS, OD, DO, DPM, PharmD, and DVM degrees. Aggregate limits up to $180,000 for cardiac perfusion, chiropractic, cytotechnology, nurse practitioner, occupational therapy, physical therapy, and physician assistant degrees.

5Citizens Bank Student Loan Eligibility: Applicants must be enrolled at least half-time in a degree-granting program at an eligible institution. Applicants must be a U.S. citizen or permanent resident or an international applicant/eligible non-citizen with a creditworthy U.S. citizen or permanent resident cosigner. For applicants who have not attained the age of majority in their state of residence, a cosigner is required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Citizens Bank private student loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, and if applicable, self-certification form, school certification of the loan amount, and student’s enrollment at a Citizens Bank- participating school.