Refinance your parent student loans.

Stress less and enjoy more by refinancing your student loans.

Forbearance, Forgiveness and Refinancing

There are a lot of factors to consider when it comes to your federal student loans, and Citizens is here to help you make sense of it.

Federal Forbearance Hub

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Save Big with 0.50% Rate Discounts

Save more when you enroll in our Loyalty and Automatic Payment Discounts, and lower your interest rate by up to 0.50%.^†

Smart Payment Terms

Choose from 5 to 20 year terms to lower your monthly payment and give yourself more room in your budget.

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Combine Federal and Private Loans

Simplify payments by combining the federal^† and private student loans you’ve taken on behalf of your kids.^†

Visit the Citizens Student Loan Hub for resources to help simplify student loan debt.

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Right Time To Refi Parent Student Loans

Refinancing could take a burden off your back. Maximize your savings by getting the timing just right.

Is Refi Right For Me?

Breaking From High Student Loan Payments

Refinancing parent student loans could help you lower monthly payments, interest rate, and pay off your debt sooner.

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Reducing Parent Student Loan Payments

Simplify your monthly budget by consolidating your parent student loans into one simple payment.

Refi benefits

Get your rate in about 2 minutes with no impact to your credit score.*

We keep things simple with no application, origination or disbursement fees when you refinance your student loans with us.

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Frequently Asked Questions

Find answers to commonly asked student loan refinancing questions

To be eligible to refinance your parent student loans, including Federal Direct PLUS Loans^†, you must:
- Have at least $10,000 in parent student loans to refinance
- Be a U.S. Citizen, permanent resident, or resident alien with a valid U.S. Social Security number
- Additional requirements may apply. Learn more.

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.

* Important Information

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.