Refinance your student loans.

Consolidate, uncomplicate. Simplify your student loans by refinancing.

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Variable Rates

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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

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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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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

Fund your tomorrow with these benefits

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.

Combine Federal and Private Loans

Simplify your payments. Save time and money by conveniently refinancing your federal and private student loans into one low monthly payment.†

Big Yearly Savings

You could save an average of $4,248† annually when refinancing students loans into one easy payment.

To refinance your student loans now or later?

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

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The Perfect Time To Refi Student Loans

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

Is Refi Right For Me?

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Breaking From High Student Loan Payments

Get the scoop on the benefits of refinancing federal loans† to help you lower monthly payments and interest, and pay off your debt sooner.

Tell Me More

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Reducing Student Loan Payments

Simplify your monthly budget by consolidating your 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

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.

* 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.