Student Loan Options

With the most options of any lender, we’ll help you find the best way to pay for college.

Ready to apply? Ask a Citizen about our student loans for college and grad school.

Whether you’re a student looking ahead to college or a parent preparing to make it happen, we’re here to help. After all, with Citizens Bank, it’s about more than a great rate on college loans. It’s about having a team of Education Finance Specialists on your side with the right types of student loans to put school in reach.


Citizens Bank Student Loan™

Put great rates and flexible terms to work for you.

  • Fixed or variable interest rates with variable rates as low as 2.70% APR1 for eligible applicants
  • Lower your interest rate by up to 0.50 percentage points with available discounts2
  • Flexible repayment options (see examples)
  • No application, origination or disbursement fees
  • NEW Multi Year Borrowing Option
    Qualified borrowers have access to a simplified, streamlined process to request funds in subsequent years. Terms and Conditions apply.3 Applicants who qualify will be presented with the Multi Year Borrowing Option in the application to lock in their student loan terms.

Citizens Bank Student Loan™ for Parents

Get an average fee savings of $627* with a better alternative to the Federal Direct PLUS loan.

  • 10-year fixed interest rate as low as 6.29% APR for approved borrowers (includes automatic payment and loyalty discounts). Lower rate is available with a 5 year repayment term4 (repayment examples)
  • No application, origination, or disbursement fees
  • Interest-only or immediate repayment options on Student Loans for Parents
  • For parents or any qualified borrower

Compare to the Federal Direct PLUS Loan >


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Save up to .50 percentage points off your interest rate2

Q. How long will I wait between applying for the student loan and having access to the funds?

A. Your school will set the disbursement date(s) for your loan and make funds available to you upon receipt. Once that happens, we have a quick and easy application process that allows you to complete all required documentation in a few business days.

More questions? Ask a Citizen.
Call 1-800-708-6684

Application timeline

What to expect

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What do I need to apply?

Submit an application
Once approved, choose your rate and repayment length
Upload requested documents
E-sign your loan
School receives payment

The student loan process,
month by month

Wondering what needs to happen when? Find out with our calendar for college loans.

View Calendar >

Undergraduate student loans

Looking for help paying for college? Our undergraduate school loans offer competitive interest rate options and flexible repayment terms.

Learn More >

Graduate student loans

If you’re ready to advance your education, we’re ready to help. Our Citizens Bank Graduate Student Loans offer competitive interest rates and flexible repayment terms.

Learn More >

Paying for school: the facts

Understand scholarships and grants, different types of student loans, and more. Get the facts

 
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