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
Citizens Scholarship
We're giving away up to $45,000 towards school expenses annually. No essay, no contest, no sweat. No purchase necessary.
Learn about student loans for medical school
Explore articles from our Financial Education Center to get started. Questions about the application process? Learn more in our FAQ section.
What to know about medical school loans
Medical school is a significant investment of time, emotion, and yes — money. What are your borrowing options to pay for school and residencies?
Budgeting for graduates
How a 23-year-old art teacher made her salary work for her and what she's learned about budgeting with student loans.
Finding scholarships for medical students
Looking for scholarships for medical or dental school? Read on for helpful tips to find the right scholarship to fund your degree.
New doctors: Get control of student debt
New doctors have unique financial challenges. Learn how to navigate your financial future, including helpful advice on paying off student loans.
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
For Citizens Student Loans, the minimum amount that a student can borrow is $1,000. If approved, the maximum amount that a student can borrow is up to 100% of the certified cost of attendance less any financial aid received from the school. Certified expenses typically include tuition and fees, room and board, books, supplies, transportation, and technology.
© Citizens Financial Group, Inc. All rights reserved. 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. Sweepstakes begins at 5:01 PM ET on 3/31/26 and ends at 5:00 PM ET on 3/31/27. Sponsored by Citizens. See Official Rules for details.