#ProductLine=Edfi|Brand=citizensbank|ProductSet=Parent|Disclosure=disclosure|DisclosureName=allvariable|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=Parent|Disclosure=disclosure|DisclosureName=allvariable|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 Started#ProductLine=Edfi|Brand=citizensbank|ProductSet=Parent|Disclosure=disclosure|DisclosureName=allfixed|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensbank|ProductSet=Parent|Disclosure=disclosure|DisclosureName=allfixed|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 StartedAfter applying for a parent student loan, you may qualify for Multi-Year Approval. If eligible, prior to each academic year, simply log in to your account and request funds with no application and no hit to your credit score.
We have 40+ years’ experience funding education. Guidance from experts can take you and your student far, even after schooling ends.
With flexible repayment terms and perks like interest rate discounts† and no application fees, we can find a perfect solution for your needs.
Explore articles from our Financial Education Center to get started.
Deciding which student loan to take out for your student? Check out the differences between federal PLUS loans and private student loans for parents.
Explore Loan TypesYou've probably saved for your student’s college for years. Learn how to withdraw from your 529 account and what education expenses qualify.
Read About 529 FundsTalking to your kids about how you'll pay for college will help them understand what role they'll play in paying for the school of their choice.
Break the IceYour student's financial aid offer letter helps you understand the total cost for the upcoming year of college and how much will be covered by financial aid.
Explore Student Loan TimelinesOur eligibility requirements are:
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
Undergraduate: $150,000
Graduate Degrees: $150,000
MBA and Law: $225,000
Healthcare: $180,000 or $350,000 depending on your degree†
Have More Questions? Get more answers in our Full FAQs section.
© 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.
* 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.