Looking for college loan options†?
Loans for graduate students
For medical, dental, law or other advanced degrees, we offer graduate student loan options that are tailored to you and your ongoing education.
Loans for parents
Give your student the gift of education. A Parent Student Loan is a great alternative to the Federal PLUS loan. The qualified parent or sponsor is solely responsible for repaying this loan.
Looking to refinance your student loans†?
Refinancing student loans
Uncomplicate your repayments by refinancing your student loans. Combine federal† and private student loans into just one monthly payment.
Refinancing for medical residents
Take control of your financial health by refinancing your student loans as a medical resident. Pay just $100 per month during your residency or fellowship program for up to four years.†
Refinancing for parents
Refinancing is available for many Parent Student Loan types, including Federal Parent PLUS†, private parent loans or any student loans that you cosigned.
Contact Us
Questions? A real person is just a click or call away.
To connect with a Student Loan Advisor, call 866-999-0077 or click the chat icon at the bottom of the screen.
Contact Center Hours:
8:00AM-9:00PM EST Monday-Friday
8:30AM-5:00PM EST Saturday
Chat Hours:
8:00AM-7:00PM EST Monday-Friday
We’re here to support your college journey.
© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC
† For additional information, please click the † symbols throughout this page to view our student lending disclosures.
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
*IMPORTANT INFORMATION
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 16 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 begins at 12:00 AM ET on 7/1/24 and ends at 11:59 PM ET on 3/31/25. Sponsored by Citizens. See Official Rules for details.