Fixed Rate Loans
#ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=graduatefixed|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=graduatefixed|DisclosureAttribute=APRMax# APR†
Fixed rates mean stable monthly payments and no surprises. See your rate in about 2 minutes with no credit impact.†
Variable Rate Loans
#ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=graduatevariable|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=graduatevariable|DisclosureAttribute=APRMax# APR†
Variable rates can change, giving you flexibility as the market shifts. Check your rate in about 2 minutes without affecting your credit.†
Rate quotes are valid for 30 days. Rates shown include a combined 0.50% rate discount for our Loyalty† and Automatic Payment discounts.† See how different repayment options can affect your loan.
Perks of a Graduate Student Loan
Multi-Year Approval†
After applying for a graduate student loan, you may qualify for Multi-Year Approval. If eligible, prior to each academic year, simply log in to your account and request funds with no application and no hit to your credit score.
Benefits of a Cosigner†
Applying with a cosigner (like a parent) could increase your chances of getting approved and with a lower rate.
Citizens Student Credit Builder®†
Build credit by making timely immediate or interest-only payments while in school and it could have a positive impact on your life after graduation.
Frequently Asked Questions
You don’t need to file FAFSA for a private graduate student loan. However, to qualify for federal student loans—and other federal aid options, it’s always recommended that you complete your FAFSA.
Learn more about how you can fund your graduate program. Citizens Student Hub is a great place to explore if you want to feel more confident about your borrowing decision. Discover helpful resources on how to compare loan options, manage debt, and plan for life after grad school.
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.
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.
Graduate student loan applicants with at least 2 years of work history before entering their program can provide documents to verify their income and employment history for the 2 years prior to enrollment. Applicants must provide tax returns or W-2s from the last 2 years to verify their income and employment.
We're here to answer your questions
For 40+ years, Citizens has helped students and families bridge the gap between financial aid and the cost of college. Call 866-999-0077 to connect with a Student Loan Advisor, or click the chat icon at the bottom of the screen.
Contact Center Hours:
8:00AM-9:00PM ET Monday-Friday
8:30AM-5:00PM ET Saturday
Chat Hours:
8:30AM-5:00PM ET Monday-Friday
© 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.