Student Loan Options

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

Read to apply? Ask a Citizen about our college and grad school loans.

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

Citizens Bank Student Loan™

Put great rates and flexible terms to work for you.

  • Fixed or variable interest rates as low as 2.68% 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

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 6.70% APR for approved borrowers (includes automatic payment and loyalty discounts). Lower rate is available with a 5 year repayment term3 (see examples)
  • No application, origination, or disbursement fees
  • Interest-only or immediate repayment options on Student Loans for Parents
  • For parents or any qualified buyer

The student loan process, month by month

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

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Save up to .50 percentage points off your interest rate2

Undergraduate student loans

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

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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.

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Paying for school: the facts

Understand scholarships and grants, federal versus private student loans, and more. Get the facts

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