Important Updates
COVID-19: The well-being of our customers and colleagues is our top priority. Visit our Resource Center for the latest information.
A newer version of your browser is available. Older versions may limit your ability to access some of this site's functionality. Citizens Bank recommends upgrading your browser.
Secure log In to online banking
Ready for an education that lasts
with student loans that don't.
Ready for an education that lasts
with student loans that don't.
Ready for an education that lasts with student loans that don't.
Rates as low as
#ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentVariable|DisclosureAttribute=APRMin# APR Variable†
#ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitStudentProductSet|Disclosure=disclosure|DisclosureName=studentFixed|DisclosureAttribute=APRMin# APR Fixed†
Citizens Bank offers Multi-Year Approval†, because we are committed to staying with you all the way through graduation. With Multi-Year Approval, you’ll know how much money we will lend you across multiple years of college. In year two and beyond, the application is simplified, such that after a soft credit check, you can request your funds for the upcoming school year. Learn More
Multi-Year Approval† is a simple way to secure money for school, from orientation to graduation, with just one application.
Learn More
Our dedicated Student Lending Advisors and interactive tools will help you understand your options and make the right decisions for your situation.
Whether you are a parent or student looking for a new loan or to consolidate existing ones, Citizens has options to fit your needs — and budget.
Choose from 5, 10 and 15-year terms. You also get the option to make full or interest-only payments in school, or defer payments until after graduation. You can defer payments for up to 8 years while in school (Note: Interest will accrue during any periods of deferment). View our repayment examples.
You may borrow up to the maximum qualified loan amount or the total cost of education, whichever is lower. Our student loan does have lifetime aggregate limits (including both federal and private loan debt) of:
Minimum: $1,000
Graduate Degrees: $150,000
MBA and Law: $225,000
Healthcare: $180,000 or $350,000 depending on your degree†
Getting your graduate degree takes time; applying for a loan with Citizens doesn’t. You can do it in 15 minutes with these 3 easy steps.
Get Started
Apply from your computer or mobile device†. You also have the option to add a cosigner, which may increase your likelihood of approval, and getting the most favorable rate.
Choose a fixed or variable rate, the loan term, and how and when you want to repay the money.
You and your cosigner (if applicable) will sign and accept your loan documents electronically.
Speak with a Student Lending Advisor
1-888-411-0266
Mon – Fri: 8:00 am – 9:00 pm ET
Sat: 8:30 am – 5:00 pm ET
Amount to Borrow: |
---|
Interest Rate |
APR |
Monthly Payment |
Total to Pay Back |
*Medical doctorate pricing includes MD, DMD/DDS, OD, DO, PDM, DVM, and PharmD degrees.
Assumption:Assumption: Citizens Bank Student Loan repayment examples assume a $10,000 loan in the first year of school with two equal disbursements, the repayment term and interest rate type selected above, and is based on an application with a borrower and a cosigner. Lowest rate shown requires borrower to take advantage of available ACH and loyalty discount to achieve the 0.50 percentage point interest rate savings. Other assumptions include a 45 month in?school period, 6 month grace period, a standard repayment account, and the student remains in school through the expected graduation date. Business and Law assumptions include a 21 month in-school period.
Monthly interest payments based on current rates are between $23.44 and $95.55, depending on the interest rate during the in-school period and the 6 month grace period. Terms and conditions apply. Calculations are estimates only. Actual rates and payment information may vary based on applicable terms. Payment ranges do not reflect selections above.
Citizens Bank reserves the right to modify interest rates at any time without notice. Such changes will only apply to applications taken after the effective date of change.
See our Citizens Bank Student Loan page for important disclosure information.
Citizens Bank Medical Residency repayment examples assume a $10,000 loan in the second year of school with one disbursement, the repayment term and interest rate type selected above, and is based on an application with a borrower and a cosigner. Lowest rate shown requires borrower to take advantage of available ACH and loyalty discount to achieve the 0.50 percentage point interest rate savings. Other assumptions include a 33 month in?school period, 6 month grace period, a standard repayment account, and the student remains in school through the expected graduation date.
Citizens Bank Bar Study repayment examples assume a $10,000 loan in the last year of school with one disbursement, the repayment term and interest rate type selected above, and is based on an application with a borrower and a cosigner. Lowest rate shown requires borrower to take advantage of available ACH and loyalty discount to achieve the 0.50 percentage point interest rate savings. Other assumptions include a 6 month in?school period, 6 month grace period, a standard repayment account, and the student remains in school through the expected graduation date.
Assumption: Citizens Bank Student Loan repayment examples assume a $10,000 loan in the first year of school with two equal disbursements, the repayment term and interest rate type selected above, and is based on an application with a borrower and a cosigner. Lowest rate shown requires borrower to take advantage of available ACH and loyalty discount to achieve the 0.50 percentage point interest rate savings. Other assumptions include a 21 month in-school period, 6 month grace period, a standard repayment account, and the student remains in school through the expected graduation date.
Citizens Bank Medical Residency repayment examples assume a $10,000 loan in the second year of school with one disbursement, the repayment term and interest rate type selected above, and is based on an application with a borrower and a cosigner. Lowest rate shown requires borrower to take advantage of available ACH and loyalty discount to achieve the 0.50 percentage point interest rate savings. Other assumptions include a 33 month in-school period, 6 month grace period, a standard repayment account, and the student remains in school through the expected graduation date.
Citizens Bank Bar Study repayment examples assume a $10,000 loan in the last year of school with one disbursement, the repayment term and interest rate type selected above, and is based on an application with a borrower and a cosigner. Lowest rate shown requires borrower to take advantage of available ACH and loyalty discount to achieve the 0.50 percentage point interest rate savings. Other assumptions include a 6 month in-school period, 6 month grace period, a standard repayment account, and the student remains in school through the expected graduation date.
For interest-only repayment term:Citizens Bank Student Loan monthly interest payments based on current rates average #ProductLine=Edfi|Brand=citizensbank|ProductSet=trufitParentProductSet|productName=TruFit|rateType=Fixed|repaymentType=InterestOnly|loanType=Undergraduate|term=10|basedOn=10,000|ProductAttribute=loanOptions::repaymentExample::min::interestOnlyPayment#, depending on the interest rate during the 45 month in-school period and the 6 month grace period. Terms and conditions apply. Calculations are estimates only. Actual rates and payment information may vary based on applicable terms. Payment ranges do not reflect selections above.
Citizens Bank reserves the right to modify interest rates at any time without notice. Such changes will only apply to applications taken after the effective date of change.
See our Citizens Bank Student Loan page for important disclosure information.
Citizens Bank Medical Residency monthly interest payments based on current rates average #ProductLine=Edfi|Brand=citizensbank|ProductSet=medicalResidencyProductSet|productName=MedicalResidency|rateType=Fixed|repaymentType=InterestOnly|loanType=MedicalResidency|term=10|basedOn=10,000|ProductAttribute=loanOptions::repaymentExample::min::interestOnlyPayment#, depending on the interest rate during the 33 month in-school period and the 6 month grace period. Terms and conditions apply. Calculations are estimates only. Actual rates and payment information may vary based on applicable terms. Payment ranges do not reflect selections above.
Citizens Bank Bar Study monthly interest payments based on current rates average #ProductLine=Edfi|Brand=citizensbank|ProductSet=barStudyProductSet|productName=BarStudy|rateType=Fixed|repaymentType=InterestOnly|loanType=BarStudy|term=10|basedOn=10,000|ProductAttribute=loanOptions::repaymentExample::min::interestOnlyPayment#, depending on the interest rate during the 6 month in-school period and the 6 month grace period. Terms and conditions apply. Calculations are estimates only. Actual rates and payment information may vary based on applicable terms. Payment ranges do not reflect selections above.
The zip code you entered is served by Citizens One, the brand name for Citizens Bank's lending business outside of our 11?state branch footprint. Under the Citizens One brand we offer Auto Loans, Credit Cards, Mortgages, Personal Loans and Student Loans. To learn more, please visit: