Variable Rates
#ProductLine=Edfi|Brand=citizensbank|ProductSet=Parent|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=Parent|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=APRMax# APR†
This option has an interest rate and monthly payments that fluctuate over time. Get a rate quote in about 2 minutes with no impact to your credit score.†
Fixed Rates
#ProductLine=Edfi|Brand=citizensbank|ProductSet=Parent|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=Parent|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMax# APR†
This option has interest rates and monthly payments that stay the same over time. Get a rate quote in about 2 minutes with no impact to your credit score.†
Perks of a Parent Student Loan
Multi-Year Approval†
After applying for a parent 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.
Trusted Lender
We have 40+ years’ experience funding education. Guidance from experts can take you and your student far, even after schooling ends.
Tailored for you
With flexible repayment terms and perks like interest rate discounts† and no application fees, we can find a perfect solution for your needs.
Learn about student loans
Explore articles from our Financial Education Center to get started.
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The college talk with your kids
Talking to your kids about how you'll pay for college will help them understand what role they'll play in paying for the school of their choice.
When should you apply for student loans?
Your student's financial aid offer letter helps you understand the total cost for the upcoming year of college and how much will be covered by financial aid.
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† For additional information, please click the † symbols throughout this page to view our student lending disclosures.
* Multi-Year Approval: Funds available for future use are subject to a soft credit inquiry at time of your next request to verify continued eligibility. After we make the initial Loan to you, you must continue to meet eligibility criteria to obtain additional funds under the Multi-Year Approval feature. Terms and conditions are outlined in the promissory note. Multi-Year Approval borrowers have a 99% approval rate on future requests for additional funds. The additional funds approval rate is based on the percentage of approved Multi-Year borrowers from Citizens between October 1, 2022 and October 1, 2023. The approval rate represents only borrowers who had previously accepted the Multi-Year Approval offer. Please Note: International students are not eligible for Multi-Year Approval.