From job search and budgeting to student loan refinancing, we’re here to help you take the next step.
Whether you're navigating student loans or building your financial foundation, we have expert tips, articles, and tools to help you plan your next move.
Build your financial foundation. From budgeting to making the most of your first job’s benefits, we’ve got tips to help you start your post-grad journey with confidence.
Write a standout resume and cover letter, make the most of career fairs, and network at your best with these tips to help you navigate your job search.
Managing student loan debt doesn’t have to be overwhelming. Get tips to help you organize your loan‡ details, understand grace periods and payment strategies, and more.
Grad school can be a smart investment—or an expensive detour. Before you apply, explore whether it aligns with your career goals, budget, and timing.
Learn how to calculate DTI, what’s considered manageable, and how to make smart decisions about student loans, credit cards, and other debt.
Citizens and College Raptor®, Citizens’ college planning platform, have the tools and products you need to help you plan and prep for what’s next.
Citizens graduate student loans are tailored to your advanced degree program. Get flexible terms, no repayment fees, and additional benefits for existing customers.
Simplify your payments or lower your rate with student loan refinancing—so you can focus on your next chapter with more financial freedom.
Whether building credit history or managing everyday expenses, we have a credit card tailored to where you are and where you’re going.
With just one deposit a month, you can keep your account active and we'll waive the monthly maintenance fee.†
Manage your money from wherever you are with our mobile app.† Know where your money is going and practice smarter spending and saving.
We make managing your budget so much easier. In a few easy entries, see where your money is going and how much you have left to save and spend.
See different repayment scenarios based on when you want your debt paid off, the amount you owe, and interest and additional fees.
Graduating from college opens a world of possibilities—and it’s okay if you’re not sure what will come next. Whether you're considering grad school, jumping into the job market, or taking time to explore your options, the key is to make a plan that aligns with your goals and finances.
No matter your path, we’re here to help with tools like our career finder, checking and savings accounts, and credit cards tailored to where you are and where you're going.
Starting to save after graduation might feel overwhelming—but it’s one of the smartest moves you can make. Here’s how to get started:
Citizens offers products and tools like student checking and savings accounts, credit cards, and budgeting resources like Citizens Insights to help you build a strong financial foundation.
Starting repayment on your student loans can feel overwhelming—but with a clear plan, you can stay in control and make steady progress.
Citizens offers tools and resources to help you manage both federal and private loans, including refinancing options and budgeting tips to support your financial goals after college.
Refinancing your student loans can be a smart move—but timing is everything. You might consider refinancing when:
Refinancing could help you save money over time or reduce your monthly payments, depending on your goals. Be sure to compare rates, terms, and lender benefits before deciding.
If you’re heading to grad school, filing the FAFSA is still an important step—but there are a few key differences from undergrad:
Filing early can help you access the most aid possible. Learn more about the process and what to expect.
High school is full of milestones—first jobs, prom, college exams, and more. Having the right tools in your kit is key, and we’ve got them right here.
If getting into your dream school is on your daily planner, we’ve got all the tips and tools you need to find, get into, and pay for college.
Discover tips for managing money, finding careers, and preparing for life post-graduation. Your success starts here.
Take your next step with tips on pursuing your dream career, saving for your next big goal, or paying off those student loans.
Connect with a Student Loan and Checking Advisor by clicking the chat icon at the bottom of the page, calling 866-999-0077, or visiting a local branch.
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^ For additional information, please click the ^ symbols throughout this page to view our student lending disclosures.
‡ 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
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Credit cards are issued by Citizens Bank, N.A. pursuant to license by Mastercard International Incorporated.
College Raptor, Inc. is a wholly owned subsidiary of Citizens Bank, N.A. (Citizens)
Citizens Securities Inc. does not provide legal or tax advice. You should do your own research and/or contact your own independent legal or tax advisor for assistance with questions you may have regarding the tax or legal implications of your investments.
Banking products are offered through Citizens Bank, N.A. ("CBNA"). For deposit products, Member FDIC.
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Citizens Wealth Management (in certain instances DBA Citizens Private Wealth) is a division of Citizens Bank, N.A. (“Citizens”). Securities, insurance, brokerage services, and investment advisory services offered by Citizens Securities, Inc. (“CSI”), a registered broker-dealer and SEC registered investment adviser - Member FINRA / SIPC. Investment advisory services may also be offered by Clarfeld Financial Advisors, LLC (“CFA”), an SEC registered investment adviser, or by unaffiliated members of FINRA and SIPC providing brokerage and custody services to CFA clients (see Form ADV for details). Insurance products may also be offered by Estate Preservation Services, LLC (“EPS”) or an unaffiliated party. CSI, CFA and EPS are affiliates of Citizens. Banking products and trust services offered by Citizens.
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· NOT FDIC INSURED · NOT BANK GUARANTEED · NOT A DEPOSIT · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY · MAY LOSE VALUE