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
Ready to boost their college fund
The Citizens Scholarship† is giving away $2,500 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.*
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.
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† 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 begin 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.