Medical School Loans

Big help for your big goals. Rates as low as:

APR Variable^†

APR Fixed^†

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Variable Rates

Why choose variable rates?

If you prefer a typically low starting interest rate and fluctuating monthly payments over time, this option is for you.

Rate and Repayment Examples

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Fixed Rates

Why choose fixed rates?

If you prefer interest rates and monthly payments that are the same over time, this option is best for you.

Rate and Repayment Examples

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Affordable

Lower our competitive rates with our Loyalty and Automatic Payment Discounts^†. Plus save with no application, origination, or disbursement fees. Ever.

Easy

Instead of applying for a new student loan every year, Citizens Multi-Year Approval^† gives you a plan to fund your college experience.

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Flexible

Choose how and when you want to pay — make full or interest-only payments while in school; or put your payments on hold until after you finish.

View our repayment examples

Ready to Boost Their College Fund

The Citizens Scholarship^† is giving away $2,500 every month! If you don’t win this month, you’re automatically entered in the following months and for the annual grand prize of $15,000.*

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Explore articles from our Financial Education Center to get started. Questions about the application process? Learn more in our FAQ section.

What to Know About Medical School Loans

Medical school is a significant investment of time, emotion, and yes—money. What are your borrowing options to pay for school and residencies?

Budgeting For Graduates

How a 23-year-old art teacher made her salary work for her and what she's learned about budgeting with student loans.

Doctor standing in front of Case Western sign

Finding Scholarships For Medical Students

Looking for scholarships for medical or dental school? Read on for helpful tips to find the right scholarship to fund your degree.

New Doctors: Get Control of Student Debt

New doctors have unique financial challenges. Learn how to navigate your financial future, including helpful advice on paying off student loans.

Our eligibility requirements are:
- U.S. citizens or permanent residents. International students can apply with a creditworthy U.S. citizen or permanent resident cosigner
- The student must be enrolled at least half-time in a degree-granting program at an eligible institution. Half-time enrollment is typically 6-8 credit hours per semester and varies by school. Please consult your school’s financial aid office for details.
- Have good credit or have a qualified cosigner^†
- Have attained the age of majority in your state of residence or if you have not met the age of majority in your state of residence, a cosigner will be required
- Have no prior student loan defaults

Have More Questions? Get more answers in our Full FAQs section.

^† For additional information, please click the ^† symbols throughout this page to view our student lending disclosures.

* 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.