Take a look at our fixed and variable rates:
Fixed Rate Loan
#ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=undergradfixed|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=undergradfixed|DisclosureAttribute=APRMax# APR†
Variable Rate Loan
#ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=undergradvariable|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=undergradvariable|DisclosureAttribute=APRMax# APR†
Don’t have a credit score?
Applying with a qualified cosigner (typically a parent or guardian) could raise chances of approval.†
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.
You're 4x more likely to be approved with a qualified cosigner.†
A typical cosigner is a parent or guardian who could help you get a lower rate, too!
Why Choose a Citizens Student Loan?
Yes, you can pay for up to 100% of school certified expenses with a Citizens Student Loan. You could make applying for future years even easier with Multi-Year Approval†. Apply once and, if you're eligible, you could skip the hassle of completing a full application (and credit hit) next year. You simply request funds as needed.
Very easy! You can get a rate quote in about 2 minutes with no impact to your credit score† when applying online, or it's quick to apply in a branch or over the phone (866-999-0077).
We offer multiple repayment terms and repayment options. Choosing an interest-only or immediate repayment option could even build credit while you're still in school.†
How Multi-Year Approval† could fund future college years
Student Lending FAQs
Students attending four-year, Title IV public or private institutions.†
Two-year schools, community colleges, and for-profit schools are not eligible.
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.
Our student loans have no origination, application, or disbursement fees, with no penalty for paying more than the minimum or paying it off early.
You're 4x more likely to be approved for a Citizens Student Loan with a qualified cosigner†. If students don't have a credit history, applying with a qualified cosigner (typically a parent or guardian) could raise chances of approval, and could even lower your rate, too.
From classroom to career, we're your partner on the journey.
© Citizens Financial Group, Inc. All rights reserved. Citizens Bank, N.A. Member FDIC
For U.S. citizens, permanent residents, or eligible non-citizens with a creditworthy U.S. citizen or permanent resident co-signer, Citizens provides student lending services in the following United States and U.S. Territories: AL, AK, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, AS, GU, MP, PR, VI
College Raptor, Inc. is a wholly owned subsidiary of Citizens Bank, N.A. (Citizens)
† For additional information, please click the † symbols throughout this page to view our student lending disclosures.
*IMPORTANT INFORMATION
Co-signer Release: Borrowers may apply for co-signer release if they have entered full principal and interest repayment. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for co-signer release. Borrowers must complete a cosigner release application and provide income verification documents for review. The borrower must be a U.S. citizen or permanent resident (living in the US or US territories). Borrowers may apply for cosigner release once every 12 months from the previous application date. Terms and conditions apply. Note: co-signer release is not available on the Student Loan for Parents.
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.
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, 2024 and October 1, 2025. 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.