Variable rates
#ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=medicalVariable|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=medicalVariable|DisclosureAttribute=APRMax# APR†
Why choose variable rates?
If you prefer a typically low starting interest rate and fluctuating monthly payments over time, this option is for you.
Fixed rates
#ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=medicalFixed|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=medicalFixed|DisclosureAttribute=APRMax# APR†
Why choose fixed rates?
If you prefer interest rates and monthly payments that are the same over time, this option is best for you.
Benefits of a Citizens Student Loan™
Affordable
Lower our competitive rates with our Loyalty and Automatic Payment Discounts.† Plus save with no application, origination, or disbursement fees. Ever.
Easy
Instead of applying for a new student loan every year, Citizens Multi-Year Approval† gives you a plan to fund your college experience.
Flexible
Choose how and when you want to pay — make full or interest-only payments while in school; or put your payments on hold until after you finish.
View our repayment examples
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Frequently Asked Questions
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:
- 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
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
Healthcare Maximum: $250,000 or $400,000 depending on your degree†
The Citizens Student Loan™ and Citizens Student Loan™ for Parents have 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.
© 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 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.