Get your rate in about 2 minutes with no impact to your credit score.†
Your rate quote is valid for 30 days. Plus, there’s no application fee.
Fixed Rate Loan
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Your interest rate and monthly payments are locked in for the duration of your loan.
Variable Rate Loan
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Your interest rate and monthly payments can fluctuate during the repayment period.
Benefits of refinancing student loans with Citizens
Student loan payment tips
If you need federal student loan payment assistance, there are several repayment options that you could explore, including income-based repayment for qualified federal student loans.
Is refinancing right for me?
Refinancing student loans could potentially help you lower your payments, but refinancing federal student loans with a private loan may cause you to forfeit the benefits of federal loan programs.†
Top student loan refinancing FAQs
Find answers to commonly asked student loan refinancing questions
To be eligible to refinance your student loans you must:
- Have at least $10,000 in student loans to refinance
- Be a U.S. Citizen, permanent resident, or resident alien with a valid U.S. Social Security number
- Have a Bachelor's Degree or higher.
- Additional requirements may apply. Learn more
Citizens offers flexible repayment terms. Choose from 5, 7, 10, 15 and 20-year repayment periods. View repayment examples.
You can refinance your student loans with a minimum balance of $10,000. Maximum student loan refinance loan limits apply depending on the type of degree.
Maximum:
- $300,000 (Bachelor's degree)
- $500,000 (Graduate degree)
- $750,000 (Professional degree)
Calculate your rate or see rate and repayment examples to learn your options.
Yes. After making 36 consecutive on-time payments of principal and interest, a borrower may apply to release the cosigner from their Loan.† Co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents.
Variable Rates: May help you get a low rate and monthly payment with an interest rate that changes monthly and monthly payments that will vary over time.
Fixed Rates: Provides you with an interest rate that remains the same over the life of your loan and your monthly payments do not change.
See repayment examples to help you choose which rate option works best for you.
Ready to apply?
Contact Us
Questions? A real person is just a click or call away.
To connect with a Student Loan Advisor, call 888-716-4780 or click the chat icon at the bottom of the screen.
Contact Center Hours:
8:00AM-6:00PM ET Monday-Friday
Chat Hours:
8:30AM-5:00PM ET Monday-Friday
© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC
Citizens provides student lending services for US residents 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, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, AS, GU, MP, PR, TT, VI
† For additional information, please click the † symbols throughout this page to view our student lending disclosures.