Private Graduate Student Loans

Variable rates

Why choose variable rates?

If you prefer a typically low starting interest rate and fluctuating monthly payments over time, this option is for you.

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Fixed rates

Why choose fixed rates?

If you prefer interest rates and monthly payments that are the same over time, this option is best for you.

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One student loan with Multi-Year Approval

It's a hassle to apply for loans each year. Multi-Year Approval^† lets you apply once to potentially fund every college year.

Check it out

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40 years of know-how

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.

Helpful resources

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Tailored for you

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.

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Ready to boost your college fund

The Citizens Scholarship^† is giving away $2,500 in tuition assistance every month! If you don't win this month, you're automatically entered in the following months and for the annual grand prize of $15,000 in tuition assistance.*

Enter now

Explore articles from our Financial Education Center to get started.

How to pay for graduate school

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.

Should you go to grad school?

Is grad school a wise investment? Consider all of the factors before continuing your education.

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How to get tuition reimbursed by work

Did you know your employer could help cover your education expenses for grad school? It could be possible, thanks to tuition reimbursement.

Frequently Asked Questions

Our eligibility requirements are:
- 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 cosigner^†
- 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

Have more questions? Get more answers in our full FAQs section.

^† 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 16 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 7/1/24 and ends at 11:59 PM ET on 3/31/25. Sponsored by Citizens. See Official Rules for details.

Graduate student loans