Get your graduate program off on the right foot with a Citizens Student Loan.
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If you prefer interest rates and monthly payments that are the same over time, this option is best for you.
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If you prefer a typically low starting interest rate and fluctuating monthly payments over time, this option is for you.
Get StartedIt's a hassle to apply for loans each year. Multi-Year Approval† lets you apply once to potentially fund every college year.
The college experience may only be a few years, but you have student loan experts at your fingertips. Get help picking the right loan - and way more student loan and refi guidance. Chat, call, or find online resources.
With flexible terms, competitive rates, and with perks like interest rate discounts† and no application fees, we can find a perfect solution for your needs.
Explore articles from our Financial Education Center to get started.
Now that you've been accepted to grad school, how will you pay for it? Learn about the three options, as well as differences between student loans.
Is grad school a wise investment? Consider all of the factors before continuing your education.
Did you know your employer could help cover your education expenses for grad school? It could be possible, thanks to tuition reimbursement.
We have an established track record of deep credibility and broad expertise with more than 40 years in the student loan business. Over that time, we've developed a network of close relationships with college financial aid offices and other student financial aid professionals, which greatly benefits our borrowers.
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: $1,000
Graduate Degrees: $225,000
MBA and Law: $300,000
The Citizens Student Loan® has no origination, application, or disbursement fees. And there is no prepayment penalty or any other penalty for paying more than the minimum monthly payment or for paying off the entire loan early.
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.
* Citizens Scholarship: No purchase necessary. Void where prohibited. The Citizens Scholarship Sweepstakes is open to legal residents of the 50 United States, D.C., and U.S. Territories, who are 18 years of age or older, are students, or prospective students, or parents or legal guardians of students intending to enroll or enrolled at least half-time in an accredited undergraduate/graduate post-secondary institution. To be eligible for a chance to win the Citizens Building the Workforce of the Future Scholarship entrants must be from an underrepresented or a low-income community as described in the Official Rules. Sweepstakes begins at 12:00 AM ET on 4/1/25 and ends at 5:00 PM ET on 3/31/26. Sponsored by Citizens. See Official Rules for details.