Graduate Student Loans

If you’re ready to advance your education, we’re ready to help.

With Citizens Bank graduate loans, you’ll get the rate options and repayment flexibility you’re looking for—along with a team of Student Lending Specialists to help you through the process. So whether you’re pursuing medical, dental, law school, or want to get an MBA or other advanced degree, find out how we can help make it happen with private graduate student loans.

The Citizens Bank Private Graduate Student Loan

An easy-to-obtain graduate student loan option with no application, origination, or disbursement fees

  • We offer low, competitive fixed and variable interest rates. View our current rates.
  • Lower your interest rate by up to 0.50 percentage points with available discounts1
  • Flexible repayment options and terms (repayment examples) on graduate loans

Ready for a closer look at our graduate student loans? Start your Citizens Bank Student Loan application today.

FAQs about the Citizens Bank Student Loan

Do I need to file the Free Application for Federal Student Aid (FAFSA) form to apply for a student loan?

No. Private student loan borrowers DO NOT need to submit a FAFSA. Simply complete the online Citizens Bank Student Loan application to apply.

How much can I borrow as a graduate student with a Citizens Bank Student Loan?

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:

  •  Medical: $225,000 (MD, DO, DMD, DDS)
  •  Law: $175,000
  •  MBA: $175,000
  •  Other Graduate Degrees: $150,000

Can a private student loan help pay for my books and my personal expenses while I’m at school?

Yes. Our Citizens Bank Student Loan can be used to help pay for your indirect costs while you are enrolled in school. The maximum you can borrow each year is determined by your individual school through loan certification.

How do I apply for Citizens Bank Student Loans?

All you need to do is fill out the quick and easy online application. Before you apply, make sure you have the following items available so you can easily complete your application:

  •  Name, address, phone number, email address
  •  Date of birth
  •  Social Security Number
  •  Recent pay stub (no more than 60 days old) or other proof of income and
     monthly housing payment.
  •  Employer name, phone number and length of employment (if applicable)
  •  Name of school you plan to attend
  •  Cost of attendance and any financial aid received (see award letter from
     your school)
  •  Student’s anticipated graduation date, loan period and loan amount
  •  Student borrowers will need to provide a reference.
  •  Co-signer name and valid email address (if applicable)

Remember, students are encouraged to apply with a qualified co-signer to increase their chances of approval and receiving the lowest rate possible.

Are there any fees for Citizens Bank Student Loans?

The Citizens Bank Student Loan and Citizens Bank Student Loan for Parents have no origination, application, or disbursement fees.

What kind of credit is required for a Citizens Bank Student Loan?

We will need to see a reasonably strong credit history, which is derived from your credit score. If you do not have a sufficient credit history, you should apply with a creditworthy co-signer.

How often do I need to request funds?

With our new Multi Year Borrowing Option, qualified borrowers can now lock in terms to reserve the loan for multiple years.2 As the only national lender to offer this option, we’re committed to staying with you all the way to graduation day.

What if I apply and I'm not approved?

If you apply for a private student loan on your own, without a co-signer, and are denied, it may be because you have an insufficient personal credit history, which is typical for a student. If you are denied, you can add a qualified co-signer to increase your chances of approval and receiving the lowest rate possible.

Are there any penalties for paying off a Citizens Bank Student Loan early?

There’s no prepayment penalty.

Citizens Bank is here to help

Need more information on using private graduate student loans? Visit Paying for School: The Facts.

Or talk to a Student Lending Specialist at 1-800-708-6684.

Apply Now >

Save up to .50 percentage points off your interest rate1

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