Fund your college experience
Get a rate quote on a Citizens Student Loan™ in about 2 minutes. Rates as low as:
APR Variable†
APR Fixed†
Variable Rates
#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†
This option has an interest rate and monthly payments that fluctuate over time. Get a rate quote in about 2 minutes with no impact to your credit score.†
Get StartedFixed Rates
#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†
This option has interest rates and monthly payments that stay the same over time. Get a rate quote in about 2 minutes with no impact to your credit score.†
Get StartedChoose your Citizens Student Loan™
Undergraduate Loans
- Students enrolled at least half-time are the primary borrower, usually with a qualified cosigner
- Cosigning benefits: Students can start building credit. For students with limited credit history, a qualified cosigner may help lower your interest rate†
- Flexible rate and term options available
Graduate Loans
- Graduate students enrolled at least half-time are the primary borrower
- Types of loans include: Graduate, MBA, Law, Medical/Dental, Bar Study, and Medical Residency
- Variable rates as low as #ProductLine=Edfi|Brand=citizensbank|ProductSet=Student|Disclosure=disclosure|DisclosureName=graduatevariable|DisclosureAttribute=APRMin# APR† (see our rates)
- Flexible rate and term options available
Student Loans for Parents
- Parents, or any credit-qualified individual, are the primary borrowers
- Benefits: Save with no application fees. A better alternative to the Federal PLUS Loan. Help minimize the student’s loan debt.
- Variable rates as low as #ProductLine=Edfi|Brand=citizensbank|ProductSet=Parent|Disclosure=disclosure|DisclosureName=parentVariable|DisclosureAttribute=APRMin# APR† (see our rates)
- Flexible rate and term options available
Build your future's foundation
Citizens Student Credit Builder™†
Making payments while you’re in school gets your credit off on the right foot, with a lower rate and a lower total cost of your loan after graduation.
Multi-Year Approval†
Applying once could pay for every year of college. Figure out funding now, then you could be set until graduation.
Trusted Lender
We have 40+ years’ experience funding educations. Guidance from experts can take you far, even after your schooling ends.
Need advice or have questions?
Our Student Lending Advisors can help you through the process. Contact Student Lending at (866) 999-0077
© 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 Student Credit Builder™: Citizens Student Credit Builder™ refers to loans with either an Immediate or Interest Only repayment option chosen at the time the loan is originated. Credit scores are based on established borrower payment behaviors. By choosing a loan repayment option that requires payment while the student is in school, the borrower begins their history of payments earlier than a corresponding borrower that chooses a deferred repayment option. Additionally, an equally qualified borrower and/or cosigner with similar loan terms will receive a lower interest rate with an Immediate or Interest Only repayment option.
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, 2022 and October 1, 2023. 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.
Get My Rate: Selecting “Get My Rate” only requires a "soft credit pull" which does not affect your credit score. Submitting a full application will result in an inquiry on your credit report.
* 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 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.