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                  Student Loans & Refinancing

                  Get the help you need to pay for your education.

                  Student Loans to Fit Your Life — and Budget

                  3 Reasons to Choose Citizens Bank


                  • Easy - One approval for multiple years


                    Multi-year approval*

                    Apply once — with one application — and get the money you need every year, quickly and easily.

                  • Flexible - Payments on your schedule


                    Payments on your schedule

                    Choose how and when you want to pay with options to make full (principal and interest) or interest-only payments in school. Students have the option to defer payments until after graduation.

                  • Affordable - Competitive rates and fees


                    Competitive rates and fees

                    Reduce your competitive rates by 0.50%1 with our loyalty and auto payment discounts plus save with no application, origination, or disbursement fees.

                  Questions? Ask a Citizen.

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